Switch to IDA+Lån&Spar and get member benefits

IDA+Lån&Spar is a partnership between IDA and Lån&Spar Bank, which IDA owns, and you as an IDA member. This ownership structure ensures that no shareholders profit from you in IDA+Lån&Spar. Here, you will find services and products tailored to your needs.

IDA+Lån&Spar has developed a unique understanding of the financial requirements, challenges and opportunities you may face throughout your education and career. It ranges from your student years to buying a house a car, starting a family, managing your finances, savings and investments, to retirement. Additionally, you can also enjoy various benefits when using IDA+Lån&Spar.

What are the reasons for choosing IDA+Lån&Spar?

• You don't need to negotiate for the best terms - IDA has done it for you.
• You receive unbiased advice from IDA+Lån&Spar since they don't receive bonuses for selling but a salary for advising.
• You can get quick answers from IDA+Lån&Spar when you need them, such as when buying a home.
• You will get a bank with the experience and unique knowledge to meet the needs of IDA members.

What about the tangible benefits and interest rates?

Apart from receiving objective advice and prompt solutions, you will undoubtedly experience the difference between IDA+Lån&Spar and other banks in everyday transactions. As a customer of IDA+Lån&Spar, you are entitled to various benefits.

• A salary account offering an interest rate of 5% on the first DKK 50,000*.
• Attractive interest rate on loans for electric cars or plug-in hybrid cars.
• It is one of the most affordable car loans available in the country.
• You can use Mastercard and Visa/Dankort without any additional fees.
• You can get an OD account with attractive interest rates.
• You and your partner can enjoy a fee-free checking account, regardless of the scope of your business.
• No account fees.

Read more about the benefits of IDA+Lån&Spar

*How to get a 5% interest rate on your current account 

You are a member of IDA and have completed your degree. Consolidate all your personal finances at Lån & Spar (LSBprivat®Løn is part of a package of products and services that any credit assessment of your financial situation is based on). 

The 5% interest is on up to DKK 50,000 on your current account. From DKK 50,001-500,000, the interest is 0.00%. The rate is 0.5% on the rest. The interest rate is calculated daily and added annually. The interest rates are variable and applicable from Match 28th, 2025.  

See all terms and conditions (in Danish) on lsb.dk/medlemsvilkaar. You won’t have to move your mortgage-credit loans. However, any changes and new mortgage-credit loans must go through Lån & Spar and Totalkredit. Please note that all documents in Lån & Spar are in Danish. 

We help you when buying a home

Are you looking for a house or apartment? IDA+Lån&Spar can help you find the right loan for your needs. Get started by booking a meeting that will give you an overview of your financial opportunities. Even if you're just looking, it's a good idea to contact your bank adviser early on in the process. That way, you're ready to act as soon as the right opportunity arises.

Get more information about loans