The Visual Artists Association is one of the more than 50 professional organizations that co-own Lån & Spar. And therefore, as a member, you can have access to a number of advantages in the bank - including Denmark's highest interest rate on the salary account. It pays to be part of a good community.
Lån & Spar is owned by i.a. BKF. If you are a member, you own us. Therefore, you get, among other things, Denmark's best salary account with a whopping 5% interest.
To get 5% interest on your salary account, you must be a member of the Visual Artists' Association and have completed your education. You must pool your entire finances in Lån & Spar (LSBprivat®Salary is part of an overall package of products and services, on the basis of which your finances are assessed).
You get 5% interest on the first DKK 50.000 in the salary account. From DKK 50.001-500.000 the interest rate is 1,5%. After that, the interest rate is 2,5% on the balance. The interest is calculated daily and attributed annually. You do not need to move your mortgage loans, but possibly changes to existing mortgage loans or new mortgage loans must be recorded through Lån & Spar and Totalkredit. The interest rates are variable and apply per 27 November 2023.
Read about Denmark's best salary account at lsb.dk under benefits
As a member, you also get free accounts with Lån & Spar - and if you pool your entire finances in the bank, you also get a free debit card.
In Lån & Spar, you get a personal adviser who is particularly specialized in your industry. This means that you get advice based on your terms of employment, such as your holiday scheme, pension, salary step and supplementary schemes. This makes it easier for both you and us when you need to borrow money for a house, car, holiday home or something completely different.
As a member, you can get a very attractive car loan at Lån & Spar if you buy an electric car or a plug-in hybrid car. You get e.g. a variable interest rate, which is lower than Lån & Spar's ordinary car loan. In addition, you can make do with a 10% down payment on the car loan for electric cars and plug-in hybrid cars, where you have to put down 20% on a regular car loan.
In short, as a member of the Association of Visual Artists, you get better terms on your car loan than Lån & Spar's regular customers. If you want to make use of the cheap car loan for members, it is a prerequisite that you pool your finances in Lån & Spar.
As a student, you get a student account with many benefits that will help you throughout your studies. The account gives you, among other things 5% interest on the first DKK 20.000. You can also get a cheap overdraft that can help you if you need money for a new bike or this year's books.
In addition to the cash benefits, you also get specialist advice because we know you and your fellow students better than most.
If you are looking for a home, you can get help to make a financial plan for how you can afford to buy a home. And then the very best – you can keep Denmark's best student account 3 years after you graduate. You don't get any better.