IDA.DK IDA Forsikring IDA Studerende
Join IDA Join IDA
Join IDA
Visit IDAs other websites
IDA.DK IDA Forsikring IDA Studerende

Front page / Benefits for students / Get the best student account in Denmark with IDA+Lån&Spar

Member benefits

IDA+Lån&Spar

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

As a member of IDA, you are a co-owner of Lån & Spar. This gives you access to a student account with exclusive benefits you won’t find elsewhere – including 5% interest on your student account and the best home loan options before you graduate.
Make a student account See all your benefits on Lån & Spar’s website
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 on the first DKK 20,000, and benefits tailored to you as a student.

IDA has negotiated the benefits in advance, giving you strong banking terms already during your studies – including the option to buy a home before you graduate.

You receive personal advice and can keep your student account for up to three years after graduation.
See all your benefits on Lån & Spar’s website
Member benefits

IDA+Lån&Spar is your bank

Lån & Spar is created by – and for – the trade unions that own the bank. That’s why you get a bank that works to make things add up – in your life, your finances, and the community we are all part of.

IDA is one of more than 55 professional organisations that own Lån & Spar. As a member, you therefore gain access to a wide range of banking benefits – also as a student.
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?

As something special, Lån & Spar gives you the opportunity to buy a home while you are still studying.
This is possible because the bank assesses your future income, not just your current finances as a student.

If you are a student with less than one year left of your studies, you may in some cases already be approved for a home loan. This can be a major advantage if you dream of owning your own home as a newly qualified graduate.
Read more at Lån & Spar
to personer sidder udenfor i et urbant miljø med kopper i hånden og smiler
Klik på billede for at se i større udgave
to personer sidder over for hinanden ved et bord og snakker. bag ved er havneudsigt.
Economy

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:

Get more financial tips

Member benefits and conditions for you

Member benefits at IDA+Lån&Spar 

  • 5% interest on the first DKK 20,000 in your student account, and 0.1% interest on amounts above this
  • A personal adviser who understands your field of study and your circumstances
  • 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 home loans, available as early as one year before you complete your studies
  • 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
Smilende pige står i et køkken med hånden nede i en indkøbspose og smiler til dreng

Terms and conditions

You must be a member of IDA and place your entire personal finances with us. You receive 5% interest on the first DKK 20,000, and 0.10% thereafter. Interest is calculated daily and credited annually.

The Student Salary Account is granted following a standard credit assessment. You may keep the student account for up to three years after completing your studies. All interest rates are variable and valid as of 8 August 2025.

If you want a more legal/compliance-focused or a slightly simpler version for students, I can adapt it.

More advantages for students

Akademikernes
a-kasse

Unemployment benefits

Become a student member of Akademikernes A-kasse for free and earn the right to unemployment benefits after you graduate.
Unemployment benefits
IDA insurance

Free Home Contents Insurance

The insurance covers personal items as well as crisis counselling and liability for the duration of your studies and one year of graduation.
Student insurance
IDA Counselling

Job sparring

Looking for a job in Denmark? We can help you identify your competencies, give feedback on CV and application or advice on how to best prepare for your job interview.
Career advice