Nykredit Reviews 

After more than 7 years as a Nykredit customer, I never imagined I would end up writing this review. Unfortunately, my experience over the past year has been nothing short of exhausting, stressful and deeply disappointing.

It all started in November 2025, when I approached my Nykredit advisor about financing an andelsbolig. Instead of receiving guidance and support, I experienced a difficult and unnecessarily complicated process. Eventually, I turned to Danske Bank and Lån & Spar, where I found people who were considerably more helpful and willing to explore solutions.

Things became even worse when I needed to sell my share of my previous andelsbolig. My Nykredit advisor asked me to arrange a separate agreement by email with my former partner, outside the existing housing association agreement, because he could no longer arrange the financing for her.

I followed his advice, which subsequently contributed to a difficult financial dispute when my former partner no longer agreed to pay the amount. I had to involve legal advisors to resolve the situation. This was an extremely stressful period in my life, during which I went on stress leave and subsequently lost my job.

I have retained correspondence documenting what happened.

Then came the unexpected fees.

Danske Bank later required me to move my NemKonto to them to maintain my credit arrangement. I did so, without realising that Nykredit would downgrade me from BoligBank 365 to its lowest customer category.

Nobody, to my knowledge, informed me about the downgrade or explained which benefits I would lose.

Instead, I gradually discovered new charges:

225 DKK annually for a Visa card that was previously free.

Additional charges related to my Mastercard Platinum.

50 DKK per incoming international transfer, including a transfer from a European bank.

Unexpected Priority Pass lounge charges.

Every time, I had to call customer service myself to find out why I was suddenly paying for services that had previously been included.

The Priority Pass situation is particularly frustrating.

In April 2026, I specifically contacted Nykredit and was told that my complimentary lounge visits were changing from 10 to 5, with the five visits available from April until the end of 2026.

Yet today I discovered another unexpected charge. When I called, customer service explained that I had used six lounge visits, but they were counting visits from January 2026 rather than from April, as I understood their earlier explanation.

How is a customer supposed to follow the rules when the information provided by the bank appears inconsistent?

And then came today's conversation with my advisor.

After all these issues, my advisor called me and insisted that I should have known I would start paying fees after moving my NemKonto.

How exactly was I supposed to know if nobody clearly informed me?

Isn't that part of an advisor's responsibility – explaining changes that affect a customer's financial situation?

He then suggested that I should simply move all my money away from Nykredit if I wanted to avoid further fees.

After more than 7 years as a customer, that was particularly disappointing.

Interestingly, my advisor has always managed to inform me when he is going on holiday. Apparently, communicating changes that cost customers money has been less of a priority.

I have now requested a different advisor and the cancellation of my Mastercard and Priority Pass. I am also submitting a formal complaint and requesting an explanation and reimbursement of any incorrectly applied charges.

My biggest problem isn't the 50 or 225 DKK. It is the complete lack of transparency, accountability and proactive communication.

I should not have to constantly check my account, discover unexpected charges and call the bank to investigate changes I was never clearly informed about.

A bank should make its customers feel financially secure, not create additional uncertainty and stress.

After seven years of loyalty, this is certainly not the treatment I expected from Nykredit.

I am considering escalating the matter to the relevant financial complaints body and sharing my experience more widely if these issues are not properly addressed.

Nykredit, is this really how you believe long-standing customers should be treated?

Worst bank I have ever dealt with. The level of incompetence is astounding, and somehow the customer service manages to make the experience even worse.

Communication is poor, getting anything resolved feels unnecessarily difficult, and the overall experience has been incredibly frustrating.

Honestly, you probably have a better chance of getting proper banking advice at Netto or a random kebab shop.

Do yourself a favour and choose another bank.

I would like to give my feedback about my experience with Nykredit. I am very happy with the service and support I have received, especially during the process of buying my apartment.

A special thank you to my adviser for being helpful, patient, and always taking the time to explain things clearly. He helped us understand the different loan options and guided us through the process step by step.

The whole process felt much easier because of the good communication and support we received. We really appreciate the help and professionalism from Nykredit.

Mark Skaarup from Nykredit Private Banking offered me excellent support and services in investment and the acquisition of my first property. It was wonderful to have an adviser who really cares and goes an extra mile to help me through the complex process of buying property and who protects my best interests at every step of the process. I warmly recommend Nykredit Bank.

Always a good service!

We always get prompt and effective responses from the team. my only wish is that they improve their mobile experience, then perhaps we wouldn't have to rely on human support so much. Here they do fall behind the market somewhat.

I want to point out that I have been to many banks in DK but this one feels like the first one that also has my best interest at heart (of course also ask the right questions). I would like to give huge kudos and heartwarming thankyou's to
Inge Bendix Madsen - she has been an absolute force in driving and helping my understand how the system works. Although I speak english she did her best to explain everything in my own rithm so I am clear with everything. What an amazing service. She is absolutely wonderful and a true professional.

Go service og behandling og de helt rette snakke om rette elementer. Vigtigt med en snak “to the point”.

Hold jer væk fra den bank.
Det laver overførerelser af penge fra erhvervs konto til privat konto uden tilladelse ellers lov ellers fuldmagt.
Nu når jeg skifter bank , beder de mig dokumentation for at jeg ejer konto i den nye bank.
Kan det være mere elendighed.
Det tager ikke ansvar jeg køre sagen med advokat fordi åbenbart chef afdeling skiftes hver gang har et møde med mig.
Pas på med den bank de kan være noget skyld i deres handlinger.
English

Stay away from this bank.

My experience has been extremely disappointing. Money was transferred from my business account to my personal account without my consent, without a valid power of attorney, and, in my opinion, without a proper legal basis.

Now that I want to change banks, they are demanding proof that I own the account at my new bank, making the process even more difficult.

I do not feel that the bank has taken responsibility for what happened. I have therefore instructed a lawyer to handle the matter. Every time I have a meeting, there seems to be a different branch manager, making it impossible to receive consistent case handling.

I encourage anyone considering this bank to be cautious and do their own research before choosing it.

Español

Manténganse alejados de este banco.

Mi experiencia ha sido muy decepcionante. Se realizaron transferencias de dinero desde mi cuenta empresarial a mi cuenta personal sin mi consentimiento, sin una autorización válida y, en mi opinión, sin una base legal adecuada.

Ahora que quiero cambiar de banco, me exigen documentación que demuestre que soy titular de la cuenta en el nuevo banco, haciendo el proceso aún más complicado.

No considero que el banco haya asumido su responsabilidad. Por ello, he decidido llevar el caso con un abogado. Además, cada vez que tengo una reunión parece haber un nuevo director de la sucursal, lo que dificulta que el caso tenga un seguimiento adecuado.

Recomiendo a cualquiera que esté pensando en elegir este banco que actúe con precaución e investigue bien antes de hacerlo.

Tried reaching out to their custom service many many times and the 'waiting time' never goes to 0... the other day it went from 30 minutes to 80 minutes, and it today it got stuck at 5 minutes.
The one time they do pick up, I get re-directed 3 times, only for the last call to magically get stuck and hung up...
Customer service does not seem to exist here

Top class service, with a personal touch, rare in this day and age.

Massive shout out and congratulations on excellent service, attention to detail, listening (to a very fast speaking English man) to Kristian and Zachary at Nykredit Kastrup.

Since working with Kristian over the last 5 years, remortgage, business advice, financial, house selling, house buying, car purchase, leasing, the list goes on, Kristian has always been a superstar, I’ve never had bad advice ever, then when he’s on holiday, the system actually works a dream, Zachary mostly takes over and responds super quickly, again his advice is always superb.

I won’t go into it here, but personal life changes and circumstances, meant we needed care and attention under high stress.

These 2 guys and Nykredit actually, take our situations with such care it’s beyond belief how much they have made the stress of finances feel like a walk in the park.

I commend you both, it’s a rare thing these days with Chatbots, AI, ticketing systems, stressed out staff that simply don’t care about the customer, to receive such excellent, WORLD CLASS personal service, unbelievable listening skills and matching products and services that for us, have been life changing.

Words cannot express how grateful I am for the many years of great service (I’ve just relocated, hence the review now)

No good service. Excepting neverending fees for most transactions, nykredit isn't much help with anything. The customer service is next to impossible to contact but on the other hand on trustpilot reviews the answer is really fast. I tried to understand if a personal needs loan or a overdraft is a possibility... straight forward answer "NO" 😂 Help me understand if banking institutions do anything else but lending money and administrating. Disappointed to the core of this "pawn shop" because it is not a serious bank. I was expecting some level of conversation, I recieved a monologue.

Today I received a call from you guys . Instead of having a constructive conversation, the message was basically: “You don’t have enough money to buy a house, so it’s probably not a good idea to open an account with us.”

En bank som ikke er sat i verden for at tjene penge til aktionærer, men til sine kunder. What’s not to like?

Linda Weimann is seriously a fantastic banker. She is quick, witty, funny, and knows what you are looking for before you have even begun to think. She is not just a banker, but a financial advisor with your best interests in mind while also driving value for Nykredit in the long-term. Promotion for this one!

Zachary held a highly informative meeting for me, answering all my questions and provided exhaustive information in a professional way, demontrating that Nykredit is way better than some other banks in Denmark. My appreciation for the meeting and the overall handling of my case (morgage, account opening).

As usual, Linda was friendly, personal, and very informative. I really appreciate the time she takes in walking me through all the different options, makes me feel that no question is too stupid to ask, and always gives me the feeling that she is honest and has my best interests in mind.

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