u/Direct-Prompt4299

Hello everyone,

I'm reaching out to all US and Canadians who are living in Denmark since I’m moving from Toronto, Canada to Denmark in the next couple of weeks and have some questions about cross-border taxes.

I currently hold TFSA, FHSA, and RRSP accounts (these are tax-free saving accounts in Canada, similar to Roth IRA/401k in USA), and I’m planning to keep them invested and continue to grow while living in Denmark.

From my research, it seems I need to declare all foreign assets (including these accounts) to SKAT.

However, I’ve also heard from some Canadians (e.g., from the "AllCanuck-Canadians living in Denmark" Facebook group) as well as other Redditor's comments that I should not declare anything to SKAT due to the Canada–Denmark tax treaty and the tax-sheltered nature of these accounts, they themselves did not report them to SKAT.

For those from the US/Canada citizens who are living in Denmark:
- Did you report your TFSA/FHSA/RRSP to SKAT?
- How are these accounts actually treated from a Danish tax perspective?
- Can anyone recommend a reliable cross-border tax advisor familiar with Canada–Denmark rules?

Thanks in advance for any guidance.

Hello everyone,

I'm reaching out to all US and Canadians who are living in Denmark since I’m moving from Canada to Denmark in the next couple of weeks and have some questions about cross-border taxes.

I currently hold TFSA, FHSA, and RRSP accounts (tax-free saving accounts in Canada, similar to Roth IRA in USA), and I’m planning to keep them invested and continue to grow while living in Denmark.

From my research, it seems I need to declare all foreign assets (including these accounts) to SKAT.

However, I’ve also heard from some Canadians (e.g., from the "AllCanuck-Canadians living in Denmark" Facebook group) that due to the Canada–Denmark tax treaty and the tax-sheltered nature of these accounts, they themselves did not report them to SKAT.

For those from the US/Canada living in Denmark:
- Did you report your TFSA/FHSA/RRSP to SKAT?
- How are these accounts actually treated from a Danish tax perspective?
- Can anyone recommend a reliable cross-border tax advisor familiar with Canada–Denmark rules?

Thanks in advance for any guidance.

Hi everyone,

I will be moving from Toronto to Copenhagen on June 29 for a full‑time Data Scientist position. I’ve already received my residence/work permit and visa under the Pay Limit Scheme, and I also have my CPR number listed on the permit letter.

I’m still pretty confused about the bureaucracy in Denmark, so I’m hoping some of you can help clarify a few things. I’d be extremely grateful — and I’m more than happy to buy you dinner and beers once I arrive in Copenhagen!

1. Activating CPR: My residence permit letter says I need to activate my CPR number immediately after arriving. But to do that, I need a permanent address, and finding long‑term housing in Copenhagen has been… frantic and intense. How strict is this requirement, and what are my options if I don’t have a permanent/long-term rental contract right away?
2. Getting MitID: Since I’m not an EU citizen (Vietnamese passport), what’s the most efficient way to register for MitID after CPR number activation? I plan to set up Digital Post as soon as I have it.
3. Choosing a bank: I’ve seen very mixed reviews about Danske Bank, especially regarding customer service toward foreigners, yet it still seems to be the most commonly recommended option. I’ve also looked at Lunar (easy signup but slow processing) and Nordea. For those of you in Copenhagen, which bank — and which branch location — has been the least racist against expats, especially for Asian expats?
4. Connecting with expats: I'm coming to Denmark alone and I’d love to meet other expats in the Copenhagen area. If you’re open to connecting, feel free to message me, first drink is on me 😄

Thanks so much in advance, and wishing you all the best!