IDA+Lån&Spar

Get the best student account in Denmark and switch to a bank that knows you better than most.

IDA+Lån&Spar offers you tailored benefits that suit your student life and future working life.

Get an attractive interest rate and the best mortgage before you graduate.

Make a student account See the terms and conditions

to personer i et køkken - en sløret person i forgrunden, en i baggrunden som hælder vand i en kop fra en elkedel

IDA+Lån&Spar

A student account with tailored benefits

Get Denmark’s best student account with 5% interest, free Mastercard and Visa/Dankort, help you with your budget and an attractive cooperative housing loan.

You might think banking only matters once you land a full-time job. But IDA has already negotiated great terms for you as a student.

The bank advantage in IDA+Lån&Spar means that you, as a student member, get a student account with 5% interest on the first DKK 20,000 (see conditions).*

You can also get a cheap overdraft that can help you if you need money for a new bike or this semesters text books. And most fees have been waived, which will save you a lot of money.

You also get to keep Denmark’s best student account 3 years after you graduate.It really is a great deal.

Make your student account See your benefits

Member benefits

IDA+Lån&Spar is your bank

IDA is one of more than 55 professional organisations that co-own Lån & Spar. As a member, you gain access to a range of benefits at the bank – even as a student.

You’ll get a personal adviser who understands your future career and sees the potential in your finances.

Join IDA+Lån & Spar and book a meeting with an adviser today.

Fill in the form and be contacted

Information for you as a international students

Please note that all documents in Lån & Spar are in Danish.

You can read more about what it takes to open up a student bank account in English here: “How to open at student bank account”

NB: The information about student accounts on Lån & Spar´s student site is in Danish.

For more detailed information please call Lån & Spar bank directly at +45 33 78 19 50

Apply for a student account here

Mortage as a student?

Did you know that you can buy a home while still studying?

Many people believe you can only buy property once you’ve graduated and secured a full-time job – but that’s not necessarily true.

If you’re a student with less than a year left of your studies, you may in some cases be approved for a mortgage already. And that can be a big advantage if you’re dreaming of owning your own home as a recent graduate.

Heading into your first job?

Did you know we have a dedicated section on finances to help you transition smoothly from student grant to full-time employment? Here you can:

Få gode tips til at lægge budget

Lære at læse din års- og forskudsopgørelse

Forstå din lønseddel

Få gode råd til din første boligkøb

Get more financial tips

Member benefits and conditions for you

Member benefits at IDA+Lån&Spar

High interest on your student account
Low-cost overdraft facility
You may keep the account for up to three years after completing your studies
Free Visa/Dankort and Mastercard with the same PIN code
Free withdrawal with Visa/Dankort in all ATMs in Denmark
Free currency exchange for lån til bolig allerede et år før, du afslutter din uddannelse
Free online and mobile banking
Option to apply for a home loan up to one year before graduation
Track your spending with a Student Budget overview

*Conditions for a student account

You are a member of IDA.
You consolidate your personal finances with Lån & Spar.
The student account is granted following a standard credit assessment.
Interest is calculated daily and credited annually.
All interest rates are variable and valid as of 13 February 2025.

Learn more and apply for an account: Studentaccount

Thinking about buying a home?

Get help with budgeting and the best mortgage

One advantage of being a part of IDA+Lån&Spar is that you will get a bank adviser who is an expert in the needs and wants of IDA members.

As a special benefit, you can apply for a mortgage at Lån & Spar up to one year before completing your studies as a student customer.

If you are dreaming of your own place book a meeting now to get an overview of your financial opportunities and make a plan for your next step. Are you in the market for a “andelsbolig”, IDA+Lån&Spar can help you find the right loan for your needs.

Being a IDA+Lån&Spar member you are guaranteed a fast reply when you are in the market. That way you are ready to act, when the opportunity arises.

This loan at IDA+Lån&Spar has also been voted “Best in test” by the consumer council TÆNK. It’s just one of the many good benefits you get with an account with us.

Calculate price Read more