Nykredit Bank offers self-directed securities dealing through MitNykredit, with separate assisted and specialist services. Its 2026 merger with Spar Nord matters for cash protection: Nykredit is the continuing legal bank, so eligible balances across the merged relationship do not create two independent ordinary deposit-guarantee limits.[2][1][4][5][6]
Accounts and eligibility
Sections ↑Account comparison01
Available service relationships
| Item | Details |
|---|---|
| Self-directed | MitNykredit securities dealing.Source 2 |
| Assisted | Instructions through bank employees.Source 2 |
| FX Online | Currency-derivative service under a separate agreement.Source 2 |
| Managed portfolio | Separate discretionary-management mandate; not implied by ordinary online access.Source 2 |
Account comparison02
Aktiesparekonto rules
Account comparison03
Aktiesparekonto tax administration
| Item | Details |
|---|---|
| Rate | 17% annual mark-to-market taxation under the account rules.Source 3 |
| Administration | Bank calculates and handles the account tax.Source 3 |
| Loss credit | Carried within the account framework; closure can forfeit unused credit.Source 3 |
| Tax payment | Additional deposits for tax can be allowed separately from ordinary contribution capacity.Source 3 |
Products and market access
Sections ↑Specifications04
Online securities range
Trading and holding costs
Sections ↑Pricing & charges05
Online dealing
Pricing & charges06
Assisted Danish shares
Pricing & charges07
Assisted foreign shares
Pricing & charges08
Other assisted categories
Pricing & charges09
VP bond custody and administration
Pricing & charges10
Foreign custody rates
Pricing & charges11
Custody measurement and billing
| Item | Details |
|---|---|
| Valuation | Daily-average value under the published calculation.Source 1 |
| Billing | Semiannually, June and December.Source 1 |
| VAT | Included in the listed custody prices.Source 1 |
| Comparison | An annual percentage with twice-yearly collection is not a twice-yearly percentage.Source 1 |
Pricing & charges12
Other records and data services
Platforms, orders and execution
Sections ↑Process13
Online instruction hours
| Item | Details |
|---|---|
| General window | 06:00–22:00 all week, Danish local time.Source 2 |
| Market-dependent orders | Some instructions can only be accepted during the relevant market session.Source 2 |
| Overnight markets | The terms describe special 06:00–07:00 handling for Asian/Australian/New Zealand markets.Source 2 |
Process14
Limits and partial fills
Process15
Erroneous trades and market controls
| Item | Details |
|---|---|
| Manifest error | The terms allow cancellation/correction under stated erroneous-price or market-abuse conditions.Source 2 |
| Advance contact | The bank need not always reach the client before the specified protective action.Source 2 |
| Stop/limit consequence | An order instruction does not guarantee a particular execution result during a gap or disruption.Source 2 |
Funding, settlement and transfers
Sections ↑Process16
Cash and custody prerequisites
Process17
Domestic VP outward transfer
Process18
Foreign transfer and ownership changes
Custody and client protection
Sections ↑Protections & eligibility19
Cash after the Nykredit/Spar Nord merger
| Item | Details |
|---|---|
| Continuing legal bank | Nykredit Bank A/S.Source 5Source 4Source 6 |
| Ordinary guarantee | €100,000 equivalent per eligible depositor across the merged bank relationship.Source 5Source 4Source 6 |
| Aggregation | Nykredit and Spar Nord brand/account labels do not create two separate limits.Source 5Source 4Source 6 |
Protections & eligibility20
Custody compensation
Support, complaints and records
Sections ↑Process21
Investment contact routes
Process22
Keeping tariff and tax records aligned
| Item | Details |
|---|---|
| Custody records | Review the annual-rate basis and June/December bills.Source 1Source 3 |
| Aktiesparekonto | Bank-calculated account tax is distinct from ordinary-custody tax reporting.Source 1Source 3 |
| Historic documents | Copies or research can attract the specified service fee.Source 1Source 3 |
Research and additional services
Sections ↑Availability23
Currency derivatives are a separate service
Availability24
Management versus self-directed trading
| Item | Details |
|---|---|
| Self-directed account | Investor submits the instructions.Source 2 |
| Discretionary portfolio | A separate mandate defines the bank’s authority.Source 2 |
| Controls | Cancellation or withdrawal from a managed service follows that mandate rather than an ordinary order-cancel button.Source 2 |
Company and service history
Sections ↑Regional comparison25
Completed legal merger
Regional comparison26
Bank identifier and document dates
- Headquarters
- Denmark
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Nykredit Bank A/S — continuing bank after the Spar Nord merger
No separate licence entry is recorded in this panel.
Cost illustrations and practical implications
Sections ↑Scenarios27
Calculated DKK 10,000 online order
Scenarios28
Calculated foreign custody example
| Item | Details |
|---|---|
| DKK 100,000 shares/ETF market value | DKK 375 annually at 0.375%, at constant assessed value.Source 1 |
| DKK 100,000 bond nominal value | Same rate calculation uses nominal rather than market value.Source 1 |
| Limit | Illustration excludes changes in daily average, dealing, FX and other fees.Source 1 |
Scenarios29
Aktiesparekonto capacity illustration
| Item | Details |
|---|---|
| Prior year-end value below the ceiling | Remaining contribution room depends on that value and the statutory deposit calculation.Source 3 |
| Prior year-end value above the ceiling | The headline DKK 174,200 does not grant another DKK 174,200 of fresh deposits.Source 3 |
| Growth | Investment gains and cash contributions are different inputs to the account rules.Source 3 |
Sources & further reading
- Nykredit retail securities tariff PDF, printed dates and foreign custody Nykredit Bank · Accessed 27 Oct 2026
- Nykredit trade terms and optional FX Online routing Nykredit Bank · Accessed 27 Oct 2026
- Nykredit Aktiesparekonto consumer explanation Nykredit · Accessed 27 Oct 2026
- Nykredit Bank: official 1 April 2026 announcement confirming legal merger with Spar Nord Nykredit Bank — Securities and Share Savings · Accessed 27 Oct 2026
- Nykredit: Garantiformuen deposit and investor coverage Nykredit / Spar Nord · Accessed 27 Oct 2026
- Nykredit/Spar Nord merger FAQ: ending separate deposit guarantees at legal merger Nykredit · Accessed 27 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.