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Svar: Bank is closing my business account because of permanent residence permit.

szam — Wed, 29 Apr 2020 14:03:53 GMT

Thank you for the detailed response John. I am already working and handling the communication with the bank together with my accountant.

Cookie - John Hannover:
DO NO REGISTER BEFORE MAKING AN AGREEMENT WITH A BANK FOR YOUR UPCOMING BUSINESS

That is good advice, but in my case they have already opened an account and suddenly they froze it without any warning or even a call/email. I had to call them in order for them to send an email about the permanent residence requirement.

I have also called SIRI and they said that they dont know anything about the permanent residence requirement and it sounds strange to them as well because it is irrelevant.

We are still in contact with the bank and they have asked extra paperwork (some of which they already have from when I applied for the account). In theory, I should not be worried because it is just a small business operating only in Denmark, but I can not be optimistic when they freeze the account without a concrete explanation.

Good luck with your letter. It should definitely become easier and more straightforward to get a risk-free account for simple business operation.

//S

Svar: Bank is closing my business account because of permanent residence permit.

Cookie - John Hannover — Wed, 29 Apr 2020 13:01:04 GMT

Lier:

Jeg bryder mig ikke om dit forslag om at tvinge bankerne til at skulle stille en nemkonto til rådighed for virksomhederne. Og slet ikke at et nej skal kunne ankes. Omkostningerne ved klagesager komme bankerne til at hænge på.

Problemet omkring en manglende nemkonto har lovgivningen taget højde for i bekendtgørelsens §35, hvor det jo netop er pålagt den udbetalende myndighed at finde alternativt måde at udbetale pengene på.

det mener jeg så ikke rækker - det er jo ikke kun til at modtage moms - det er jo netop til mange andre ting helt nødvendigt med en konto til ens selskab (kan gå uden i personlig virksomhed) og her nægtes alt for mange konto uden egentlig begrundelse.

Jeg er med på at alt koster - og at kontoen jo som du kan se i brevet til ministeren, må koste det som finansDK og ministeren kan blive enige om er rimeligt til at dække alle bankens omkostninger ved at stille en erhvervskonto til rådighed - også inkl. de udgifter et nævn vil have.

Det må være rimeligt enkelt at stille kriterier op for hvornår en bank må sige nej - så nævnsbehandling må være relativt enkel og dertil kommer jo, at kontoen må være uden alm kort og ret til tilknytning af Nets betalinger osv - men blot skal kunne indholde ex et selskabs ApS (IVS) kapital og give mulighed for at kunder kan indbetale på den og indhaver kan hæve eller overføre manuelt til andre - hvis der er penge (top-op konto og top-op kort) og dermed reelt risikofri for bankerne.

Det kan tænkes der skal være bundkrav om dansk folkeregister adresse og CPR på stifter.

Aftalen skal give en pris der er rimelig (forestiller mig de ville lande omkring 3-4.000 i oprettelse og noget med 250 kr kvartalet + evt kortgebyr - og finansDK skal lave en pakke som klart viser hvilke dokumenter der skal afleveres ved ansøgning - så hvidvask kontrol relativt let kan klares.

Bankerne må naturligvis forhandle lavere priser med de kunder de ønsker, og højere priser hvis der skal andre kort og Nets ret med på konto -men de som vil have en tvungen konto, kender så betingelserne inden

Så længe man jo ikke kan drive et selskab uden en bank, og mange står med nystiftede selskaber og nej fra banker, ofte med meget tynde eller ingen begrundelse så mener jeg, ganske som det er krav for private, at så må det også være krav, at der kan stilles konto til rådighed for CVR

Ellers kunne man i princip lige så godt nægte stiftelse af selskaber med mindre stifter kunne godtgøre, at der var en konto "under stiftelse" til rådighed, for det giver ikke mening med et ApS uden en bank.

Det lader sig gøre med CPR - og kan givet også med helt simpel konto, lade sig gøre for CVR

Men vist er det da kontroversielt

vh John Hannover

Svar: Bank is closing my business account because of permanent residence permit.

Anonymous — Wed, 29 Apr 2020 12:43:58 GMT

Jeg bryder mig ikke om dit forslag om at tvinge bankerne til at skulle stille en nemkonto til rådighed for virksomhederne. Og slet ikke at et nej skal kunne ankes. Omkostningerne ved klagesager komme bankerne til at hænge på.

Problemet omkring en manglende nemkonto har lovgivningen taget højde for i bekendtgørelsens §35, hvor det jo netop er pålagt den udbetalende myndighed at finde alternativt måde at udbetale pengene på.

Svar: Bank is closing my business account because of permanent residence permit.

Cookie - John Hannover — Wed, 29 Apr 2020 09:42:49 GMT

The sad answer is - that a bank is an independent business and they are only obliged to set up one personal account - which can then also be restricted as to on card attached og top-op card only and not Nets payment allowed and more - and they can close that personal account, if it is used for business purpose without agreement.

They can refuse business accounts without having to give any specific reason for that - but many banks would today refuse it if a customer do not have permanent residence permit - or not danish citizenship or similar issues - and they would anyway require a lot of additional documentation. So your accountant is right, there is no state or bank rule in DK or in any country I know of - requiring banks to set up business accounts.

It can also be a whitewash issue - but if you can prove to the bank that you have employees that have salary due - and sit down with you accountant or an auditor, with the management in you bank branche, then I would expect they could on freese it - but only after receiving a lot of whitewash based info about the nature of your business - transactions - in particular if from abroad, budget and more

Take a skilled auditor - who can confirm the legitimacy of your business - with you to the bank - One who understands the issue - that might help a lot

I think it would be good if, EOS everytime someone registered a CVR gave a warning - DO NO REGISTER BEFORE MAKING AN AGREEMENT WITH A BANK FOR YOUR UPCOMING BUSINESS not to stop the registration, but to make clear, that that should be resolved.

I have written a letter to the Erhvervsminister suggesting a law making it compulsory for banks to set of simple business accounts - and if they do not set up one - for a particular reason, that decision could be tried in some way independently - but they would still have to be able to to deny a business account, if they have at good reason AND that account would most likely not be one where salaries could be connected to Nets automatic payment, but would require paying by transference from a top-up account. About my letter to the minister: https://johnhannover.blogspot.com/2020/02/bank-ikke-helt-let-at-fa-konto-brev-til.html

br John Hannover

Bank is closing my business account because of permanent residence permit.

szam — Wed, 29 Apr 2020 06:13:56 GMT

Hi

I hope it is ok to write in English, otherwise I can switch to Danish.
I am self employed and for months i have been trying to have a business account because no bank let me run my personal business (ENK) from a private bank account.

Last month, I got a business account with a bank, after carefully reading the rules and exchanging detailed paperwork with them.

Few days ago, I noticed that I can not use the account and after I called them I received an email that it is frozen (without any warning) because I do not have a permanent residence permit.

I fulfill the requirements for the permit, but no one has ever asked for it and of course the bank never asked for it during the application process. It is not written in their requirements either. I can not find this requirement anywhere so I would like to ask you if you know anything about it or if it is common for a bank to freeze an account for this reason. I have already applied for the permit, but it takes time and I can not trust my bank anymore that they will unfreeze my account. I am also worried for my employees because it is also their upcoming salaries in the frozen account.

I have talked to my accountant and he told me that he has other customers in the same situation recently. Banks asking them for permanent residence permit, even though some of them live in the country for many years and there is no state or bank rule for this matter.

Thanks for your time.

//S

PS: I hope i seleted the right category.