referencesats: what does it mean in Danish debt collection?

referencesats in English: reference rate

article By InkassoHurtig team update Last reviewed 5 November 2026

info General information, not legal advice. Always check the current rules and get advice on your specific case. Disclaimer

Short answer

The Nationalbank's official lending rate on 1 January and 1 July. The basis for late-payment interest.

Explanation

The reference rate applies for six months at a time. Late-payment interest is the reference rate plus 8 percentage points. You can find the current rate from Danmarks Nationalbank or on forbrug.dk, and our calculator uses the rates we have checked.

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Tool: Late-payment interest, fees and collection costs calculator

Related terms

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