MobilePayMobilePay

Denmark E-wallet Foreigners restricted Not a bank · not insured ★ 4.4

Open on official site ↗

OperatorVipps MobilePay AS (originally part of Danske Bank)

Minimum top-upNo minimum top-up — the linked card is debited

Main feesFree for consumers; business versions with payment links and online acceptance are charged by plan.

Local bank neededRequired — you link a Danish bank card

How to sign upFully online — in-app registration verified with MitID

Sign-up timeAbout 5–10 minutes with MitID and a Danish card

Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this wallet

Denmark’s national mobile wallet, used by the large majority of Danish adults for P2P transfers, in-store payments, online checkout and splitting bills. It is part of the Vipps MobilePay group.

!Not a bank. MobilePay operates as a payment service under Danish FSA supervision; wallet balances are e-money / stored value, NOT deposits, and are outside deposit-insurance protection. Funds are safeguarded in segregated / trust accounts under the applicable rules, not covered by any deposit guarantee scheme.

Can foreigners or tourists open it?

You need a Danish CPR number, MitID electronic ID and a Danish bank card. Visitors without a CPR number and MitID generally cannot register; once you take up residence in Denmark you can apply.

Advantages

Near-universal in Denmark; your phone number is the payment address
Free consumer transfers
Same group as Vipps, with Nordic interoperability expanding

Limitations

Requires a Danish CPR number, MitID and a local card — not usable by tourists
No multi-currency or cross-border transfers
Merchant acceptance and advanced features require paid plans

What you need

A Danish CPR number
MitID electronic ID
A Danish bank card
A Danish mobile number

No minimum top-up — the linked card is debited｜Free for consumers; business versions with payment links and online acceptance are charged by plan.

How to sign up

Obtain a Danish CPR number and open a Danish bank account
Apply for MitID from your bank
Download MobilePay and register with your Danish number
Verify your identity with MitID
Link your Danish card and start using it

Limits & protection

Per-transaction and daily caps are set by your card issuer and shown in the app. Balances are not deposits and are not deposit-insured.

FAQ

Can a foreigner or tourist open MobilePay?

You need a Danish CPR number, MitID electronic ID and a Danish bank card. Visitors without a CPR number and MitID generally cannot register; once you take up residence in Denmark you can apply.

Do I need a local bank account or a local phone number for MobilePay?

Local bank account: Required — you link a Danish bank card. Items typically needed: A Danish CPR number; MitID electronic ID; A Danish bank card; A Danish mobile number.

What documents are required to open MobilePay?

Typically: A Danish CPR number; MitID electronic ID; A Danish bank card; A Danish mobile number.

How do I sign up for and top up MobilePay?

How to sign up: Fully online — in-app registration verified with MitID (About 5–10 minutes with MitID and a Danish card). Steps: 1) Obtain a Danish CPR number and open a Danish bank account 2) Apply for MitID from your bank 3) Download MobilePay and register with your Danish number 4) Verify your identity with MitID 5) Link your Danish card and start using it Fees: Free for consumers; business versions with payment links and online acceptance are charged by plan.

Are there limits on MobilePay? Is the balance deposit-insured?

Per-transaction and daily caps are set by your card issuer and shown in the app. Balances are not deposits and are not deposit-insured.

Ready? Open it officially

E-wallet rules change often — always follow the latest instructions in the official app.

Open on official site ↗ We charge no fees and cannot guarantee approval — always apply through official channels.

Other e-wallets

All e-wallets Bank accounts Opening guide