Top 50 Mobile Apps Startup Investors in Denmark (June 2026)

Portfolio highlights

• Flare — Flare builds infrastructure for a more internet by connecting real-world data with machine learning in a verifiable way.This combines human intelligence with advanced AI to improve the clarity and reliability of information.Its goal is to create a shared, high-quality knowledge foundation that helps people navigate information with confidence.
• Verda (formerly DataCrunch) — DataCrunch is a cloud service provider which facilitates utilization and integration of state of the art AI/ML models
• Spiral Hydrogen — Spiral Hydrogen's mission is to lower the price of green hydrogen below that of fossil hydrogen, so opening up an industry for decarbonization and making hydrogen transportation and heating commercially viable.

Portfolio highlights

• Captego — Unique, high-speed field data capture. Empower your inspectors & surveyors with our unique collection app. Benefit from high quality data to automate reports and data insights.
• LastSwab — LastSwab launched May 2019 through the crowdfunding platform Kickstarter. At $16 a swab, LastSwab is meant to last at least 1,000 uses and is the easy-to-clean, reusable alternative to the abundant waste caused by single-use swabs around the globe. The tip of the swab is made from medical silicone and nylon and comes in a biodegradable case made ofa corn-based material. LastSwab can be easily cleaned using soap and water and is also dishwasher safe. It comes in a standard swab for cleaning and a pointed swab for makeup application. Be the change and #SwabYourHabits.
• Donkey Republic — Donkey Republic is leading bike share service in Europe with footprint in more than 10 key cities in Europe. We operate our locations with partners, and use custom-branded bikes. Our software backbone is developed by us with unique features that ensure we respect public space with our hub-centric service model. At the same time, we maximizepredictability of bike availability and convenience. We pride ourselves in service innovation.

Portfolio highlights

• Viio — Oveo creates cloud-based software that enables any company in any industry to easily discover, manage, optimise and secure all SaaS usage from one platform.We believe employees should be able to enjoy work, be agile, move fast and in turn become more innovative on behalf of the companies they work for. In a subscribed economy a “SaaS-Poweredworkplace” is the enabling foundation to make that vision come true and at Oveo we proud to contribute by making SaaS usage more transparent, manageable and secure. Theircloud-based software enable companies to easily push this transformation and as SaaS adoption continues to skyrocket we will be right here with you - building the platform to manage and optimize the lifecycle of your SaaS applications.
• Woba — Woba is a SaaS aiming to support a stress-free work environment and minimise sick leave.
• Legal Monster — Openli makes privacy transparent. Get control of your data processors and keep your DPAs up to date. Build trust and close deals faster all with Openli.

Portfolio highlights

• Cardlay — Build your own white-label card and expense management solution with Cardlay. Our platform helps banks, fleets, and tech partners launch modern spend management solutions fast.
• Flatpay — Flatpay's fair, flat-rate pricing simplifies payments & cuts costs. Benefit from our comprehensive solution & superior customer service. Join us now!
• Odendo — On Odendo you can make a great deal on exciting products while supporting a good cause

Portfolio highlights

• Marqii — Marqii’s automated system removes the daily pain points associated with updating content across consumer-facing platforms. Marqii revolutionizes the way restaurants, bars, coffee shops and dispensaries publish their menus, location data, and specials to potential customers. This process creates consistent and accurate content which leads to anincrease in unbranded local search.
• nMachine — A Low-Code solution for creating extraordinary Day 2 Operations platforms - called nMachines - for your existing Kubernetes-based applications, that can be shared inside and outside your organization.
• Journey Live — Journey is shifting the way modern companies prioritize mental health. Our proactive, inclusive tools engage every employee, every day.

Portfolio highlights

• VitVio — VitVio is a platform built around AI and computer vision with the goal of improving efficiency and quality of care in operating rooms.
• Dannce.ai — dannce.ai uses AI-driven 3D-aligned neural networks to automate behavioral analysis for faster, more accurate drug development and clinical care.
• Sonus Microsystems — Sonus Microsystems is revolutionizing ultrasound imaging with polymer CMUTs, developing transducers for advanced healthcare, NDT and wearable applications.

Portfolio highlights

• Hakio — With our AI-powered demand forecasting platform, we help fashion and apparel companies make more accurate predictions about their future sales to optimise inventory levels and reduce waste.This enables planners in the fashion industry to reduce excess inventory and free up capital to avoid stockouts and costly overstock. All things that lead toleaner costs, better product availability, and last but not least, a CFO with a smile on their face.Say goodbye to complex forecasting processes and overly complicated Excel spreadsheets. With Hakio, you streamline your processes and centralise your data. This makes it easier to onboard new employees, collaborate internally, and ensure an understanding of trends and forecasts.
• Cernel — Reduce manual work by 90%, launch 10x faster. Automate product data enrichment, media content, and feed optimization for ecommerce at scale.
• Eyeball — Eyeball operates as a digital platform for youth football.

Portfolio highlights

• Pachama — Harnessing AI to drive carbon capture and protect global forests
• Wellthy — Wellthy is a family care concierge service bringing relief to families managing complex or ongoing care situations. The company's solution brings relief to families managing aging-related concerns, childcare, special needs, health conditions, and other complex or ongoing care situations. Wellthy connects families with a dedicated CareCoordinator to help tackle the logistical and administrative tasks of caring for the ones they love, including themselves.Through Wellthy’s online platform, families can keep track of appointments, save contacts, organize tasks by type, store important documents, and revisit past conversations.The company was founded in 2014 by Lindsay Jurist-Rosner and Kevin Roche and is headquartered in New York, United States.
• Immersive Gamebox — Electric Gamebox delivers immersive team Adventures in the world's smartest room. Our GameBox Adventure pods combine projection mapping, touch screen, motion tracking and surround sound technologies to create an entirely new form of digital group entertainment.

Portfolio highlights

• Certainly — Award-winning AI Chatbot Builder. Build your own chatbot with Certainly to provide instant, quality User Experiences through conversational interfaces.
• Reshopper — Reshopper is an application for buying and selling used kids items. The compamy was founded by Jonas Funk Johannessen, Anders Dahl Pape, Anders Munk, and Nicolai Denmark Johannesen. In 2016 former AirBnB country manager Aja Guldhammer Henderson joined Reshopper as CEO and now she is leading the ambitious international expansion.

Portfolio highlights

• Colossyan — We make video creation simply and stressless. AI video technology allow us to crate video in just a few minutes. Ty out here.
• Shouter — Shouter is a mobile marketplace for services that connects people and businesses with local members of a gig-work community.

Portfolio highlights

• trawa — The partner for renewable and affordable electricity for businesses. Get electricity directly from solar and windparks with corporate PPAs.
• Equitable Earth — Built upon next-generation digital MRV, the Equitable Earth Standard is designed to verify impact on climate, biodiversity, and livelihoods.
• Minimum — Take control of your organization's carbon accounting and management with granular, robust and auditable emissions data.

Portfolio highlights

• VEAT — VEAT is on a mission to make healthy, plant-based foods more accessible. We cook and prepare our fresh meals locally at Stora Essingen and deliver them daily to our vending machines throughout the city.
• HIVED — Looking for a greener, cheaper and better way to send your parcels? All parcels tracked and insured. Same-day, next-day and other options. Contact us today.
• Monta — Monta's EV charging management software helps industry pioneers to streamline their operations and deliver stellar EV charging experiences to their customers.

Portfolio highlights

• Shouter — Shouter is a mobile marketplace for services that connects people and businesses with local members of a gig-work community.

Portfolio highlights

• Shouter — Shouter is a mobile marketplace for services that connects people and businesses with local members of a gig-work community.

Portfolio highlights

• Arkyn — Make SAP maintenance simpler with Arkyn's FastApp Suite for planning, work execution, and insights. Pre-built SAP PM/CS coverage and go live in 2 to 6 weeks.
• Replik — Replik.dk offers free and non-binding legal advice as well as the preparation of legally correct documents within family and inheritance law, such as wills, power of attorney, children's wills and prenuptial agreements.
• Replica — Replik is one of the leading digital organizations focused on family and inheritance law, with a heavy emphasis on legal and personal guidance.

Portfolio highlights

• Clue — Track your menstrual cycle with the Clue app, a women-led period and cycle tracker. Get science-based insights, predictions, and personalized tracking.
• Primer — Primer is the first open automation platform for payments, enabling you to build end-to-end payment flows with no code, and a checkout developers love.
• Quantum Systems — Our vision is to become the global leader in providing aerial data for decision making by the use of our drones.

Portfolio highlights

• Digitail — Grow your practice, offer a modern client experience, and automate routine practice tasks with the proven all-in-one veterinary software.
• Dreamdata — Dreamdata is a B2B Revenue Attribution Platform that gathers, joins, cleans all revenue-related data to present transparent, actionable analysis of what drives B2B revenue. The ultimate B2B multi-touch attribution tool for multi-techstack businesses.
• Paraglide AI — Paraglide AI agents handle your financial inbox, automatically reply to invoice inquiries from clients, pursue past-due invoice payments, and customize collections at scale.

Portfolio highlights

• Jukeit — Jukeit is a B2B music streaming service including a jukebox app.Music is very close to our heart. That is why Jukeit has created an economically sustainable music streaming service for commercial use. With our innovative jukebox app, we can provide music lovers a brand new way of interacting with the music in public spaces. This will both benefitthe venues and the creators of the music that we all love.
• Reshopper — Reshopper is an application for buying and selling used kids items. The compamy was founded by Jonas Funk Johannessen, Anders Dahl Pape, Anders Munk, and Nicolai Denmark Johannesen. In 2016 former AirBnB country manager Aja Guldhammer Henderson joined Reshopper as CEO and now she is leading the ambitious international expansion.
• ZERV — ZERV is a Danish-owned company that produces and sells sports equipment for various sports.

Portfolio highlights

• MQube — MQube: Next-generation lending platform offering fast, automated mortgage solutions with real-time decisioning and built-in compliance.
• Think Bioscience — Think Bioscience is reimagining synthetic biology by guiding the design and assembly of better medicines through the use of living systems.
• Bluezone Insurance — Bluezone Insurance is an insurtech reinventing life insurance for people with chronic illnesses .

Portfolio highlights

• Qatalog — Connect tools, resources and teams in one digital Work Hub. Find information quickly, collaborate effectively. Set up your Work Hub.
• Purple Dot — Sell More by Selling Earlier
• Cosmos Video — Cosmos Video is virtual office software for remote teams, cohort-based learning, and creative studios. Always-on spatial video with proximity-based audio.

Portfolio highlights

• Homa Games — Leave your mark in the gaming industry. We are building a team of extraordinary individuals working together to build apps that entertain the world. We are experts in every step of the publishing process.
• Acorns — Acorns is a financial wellness app that helps individuals and families save, invest, and grow money automatically through simple, everyday habits.
• Honeycomb — Honeycomb is a software debugging tool that can help you solve problems faster within your distributed services. Try Honeycomb for free today!

Portfolio highlights

• Eyeball — Eyeball operates as a digital platform for youth football.
• Shouter — Shouter is a mobile marketplace for services that connects people and businesses with local members of a gig-work community.

Portfolio highlights

• Tajir — Tajir offers full transparency on the prices of various products, addressing a challenge that store owners confront offline each day, and sells and delivers inventories to the stores, said the Khan brothers, whose father ran an FMCG retail distribution business for three decades.
• StudySmarter — StudySmarter is an EdTech company that develops an intelligent and content-agnostic platform for lifelong learning. It was first published in 2018 and is used by millions of learners worldwide. StudySmarter has been voted the best EdTech start-up in Germany and Europe by university representatives and education experts.
• Empirical — Culinary & scientific innovations applied in flavor to spirits and cans. From premium spirits to ready to drink cans, Empirical has an exciting selection. Order today!

Portfolio highlights

• Artland — Artland is a dedicated platform for contemporary art. Discover, buy from galleries on a global scale and connect with art lovers and art collectors.

Portfolio highlights

• unitQ — unitQ's product quality monitoring platform empowers businesses to take a data-driven approach to product quality so they can fix the right quality issues smarter and faster.
• Payosu — Use Osu to get more bookings, take payments with zero fees, automate the invoicing, and let your business thrive.
• Cerrion — Cerrion is a visual AI that helps production teams react faster to process deviations, automate root cause analysis, and implement targeted improvement actions. They believe that process transparency enabled by AI and computer vision is key to achieving more autonomy and sustainability in manufacturing. Their software is built and designed withproduction teams from all over the world in the loop.

Portfolio highlights

• Knewton — Knewton puts achievement within reach for everyone with adaptive technologies and products that deliver personalized and lasting learning experiences.
• Sayspring — Sayspring enables designers to create voice-enabled apps without code ahead of handing over projects to development. Founded in 2016, the company is headquartered in New York, New York, United States.
• Uizard — UI design for apps, websites, and desktop software in minutes. If you can use Google Slides or PowerPoint, you can use Uizard!

Portfolio highlights

• Lyst — Lyst is a global fashion search platform used by 70 million shoppers every year. Offering over 4 million fashion products from 11,000 of the world’s leading fashion brands and stores, Lyst brings together the widest inventory in luxury and contemporary fashion online. The company has raised $60 million to date, and is backed by range of all-starinvestors including 14W (Moda Operandi, Reformation), Accel Partners (Facebook, Spotify), Balderton (Yoox Net-A-Porter Group), Draper Esprit, part of the Draper Venture Network (Hotmail, Skype), and the teams behind LVMH, Michael Kors, Oscar de la Renta, and Tory Burch.
• Exoticca — Exoticca develops an online platform intended to facilitate travel booking. The company's platform offers holiday packages which includes flights, accommodation, meals, guides and private transports, for exotic locations all around the world, enabling travelers to book travel packages online at competitive prices.
• Simple Feast — Simple Feast operates as an online cookbook platform. Aside from this, they also offer plant-based food that is sustainably produced and organic, delivered straight at consumer's doorstep. At Simple Feast, they offer Weekly Boxes and Comfort Food Boxes. Weekly Boxes are three nights of entire vegetarian or vegan meals that require a few stepsof preparation. Comfort Food Boxes are monthly offerings of 4 to 8 complete jarred meals that only require heating up and your favorite side dish.Founded in 2015 by Jakob Jønck and Thomas Ambus, the company is headquartered in Copenhagen, Denmark.

Portfolio highlights

• Medley — Medley is a membership for curious, growth-minded people who want a structured, social, and accessible way to invest in themselves.
• Mental — Mental app offers action-oriented Coaching and Programs that help you become your most energized, disciplined, and motivated self.
• Fiction Foods — A technology-first, architectural approach to food to deliver purpose-driven nutritional solutions that advance both human and environmental health.

Portfolio highlights

• GroupCam — GroupCam is the first of its kind camera sharing app. We share cameras to avoid the sharing hassle.
• Billy App —
• Betterbooqr —

Portfolio highlights

• Softr — Softr lets you develop custom web apps, client portals, or internal tools. Build your first app or tool in minutes, for free.
• Qatalog — Connect tools, resources and teams in one digital Work Hub. Find information quickly, collaborate effectively. Set up your Work Hub.
• Ahead App — Learn to control your emotions and influence others in fun, short sessions - so you and those around you become happier and better together.

Portfolio highlights

• Avanlee Care — Bring your family closer with the all-in-one elderly care app.
• Smarterer — Individuals and Fortune 500 companies use Smarterer to help close the gap between the skills they have and the skills they need. Their dynamic assessment engine leverages the freshest crowdsourced tests around, to rapidly pinpoint skill level with a credible score. In November 2014, Pluralsight, the global leader in online learning for serioussoftware developers, IT specialists and creative technologists, acquired Smarterer. As the world's largest curated e-learning library for professionals, the company offers instant access to more than 3,500 courses authored by top experts. Smarterer will continue to power crowdsourced assessments for freelancer marketplaces, e-learning providers and enterprise companies anywhere people need to prove their skills to connect with professional opportunities. The Smarterer community has answered over 56 million during 1.7 million test sessions, across hundreds of tests.
• Keep Holdings — Keep Holdings offers products focusing on advertising, commercial email, and e-commerce to enhance the link between consumers and brands. The company's products empower consumers and brands to better connect and engage. Keep Holdings' suite of services focuses on commercial email and e-commerce with an emphasis on how the social web canbring brands and consumers together in new productive ways.

Portfolio highlights

• Tacto — Tacto develops an intuitive, data-driven, and automated solution for procurement in medium-sized industrial enterprises. The AI-based software gives customers a transparent overview of their procurement activities, algorithmically highlights risk & savings potential, and automates all transactional workflows in sourcing and supplier managementto focus on what matters. With Tacto customers can focus on strategic work, leverage savings potential, and reduce complexity - without the need for costly IT resources.
• Decart — Decart is an AI platform significantly improves the training and inference of large generative models.
• Sierra — Sierra helps businesses build better, more human customer experiences with AI.

Portfolio highlights

• Fond — Boost engagement by simplifying and uniting employee recognition, rewards, communications and more in one easy-to-use employee engagement platform.
• Pillow — Pillow provides Internet-based management services. It offers information about a property, essential amenities, and other apartments and houses. The company is an Expedia group that solves short-term rentals for multifamily properties, allowing building owners and property managers to have control and transparency over short-term rentals whileenabling their residents to rent their units short-term on listings sites such as Homeaway, VRBO, and Airbnb.
• PureWow — PureWow is the women's lifestyle destination dedicated to making your life easier, more interesting and of course, beautiful. Elevate the everyday.

Portfolio highlights

• cheMastery — Echo handles repetitive tasks with accuracy and precision, allowing your chemists to tackle high-value challenges.
• Circuit Mind — Circuit Mind enables electronics engineering companies, teams, and engineers to design reliable electronic systems faster and without errors.
• INTERSTELLAR LAB — autonomous modules for crop cultivation on Earth and life-support in Space

Portfolio highlights

• DBtune — Most databases are shipped with very conservative default settings across a host of parameters to ensure that they can function properly for a wide variety of applications. However, once a database has been installed and applied to a particular application, there is plenty of room to tune these parameters in a way that improves your particulardatabase performance.
• Spare-it — Spare-it offers a solution to track office waste streams in real-time.
• Composo — No more testing by vibes. Conduct data-driven evaluation to find the best prompts, models & end to end architecture for LLM applications.

Portfolio highlights

• Junto — Elevate your business performance with impactful leadership training. Junto's leadership development programs equip your people with the skills and behaviours to thrive.
• Adent Health — Adent Health is an AI-based mobile app for tracking and monitoring dental health. It also enables users to scan their teeth with smartphones and get recommendations on personalized dental care products based on the results.

Portfolio highlights

• Whatnot — Whatnot is a community marketplace where you can safely buy, sell, go live and geek out with collectors and other like-minded people. All items on Whatnot are verified. Shop on web or download the app.
• The Interaction Company of California — The proactive AI assistant in your iMessage, WhatsApp, and more. Texts like a human, really knows you, and integrates with your life in dozens of ways.
• Goldin Auctions — Goldin Auctions is the leading marketplace for trading cards, sports memorabilia, and other collectibles. Founder Ken Goldin has sold more than $1 billion in memorabilia from many of the biggest names in sports, history, and pop culture. The company routinely sets records for the most expensive trading cards and other memorabilia ever sold.Lifelong collectors and new hobbyists alike trust Goldin Auctions because the company professionally authenticates everything it sells.

Portfolio highlights

• Sdui — Sdui is the solution for mobile communication in schools. With amazingly easy features for messaging, timetables and a wide range of third party integrations, the app digitizes processes and reduces administrative effort. Within two years, Sdui has reached hundreds of institutions and grown a serious reputation in the educational market.
• Coachbetter - You are the game — Football drills for kids, youth and pro teams in one platform. Coachbetter is your digital assistant coach. Manage football trainings, matches, teams and your club.
• Uizard — UI design for apps, websites, and desktop software in minutes. If you can use Google Slides or PowerPoint, you can use Uizard!

Portfolio highlights

• Vera — Digital Guardian Secure Collaboration (formerly Vera) enables zero-trust security for sensitive data, enabling organizations to protect any file, anywhere.
• Outfunnel — Outfunnel is a sales and marketing workflow platform that combines data from different tools to help you score your leads and plan the next actions. Works with Pipedrive, Copper, HubSpot, Salesforce.
• Shouter — Shouter is a mobile marketplace for services that connects people and businesses with local members of a gig-work community.

Portfolio highlights

• Hala.ai — Conversational AI platform that blends everyday business software into one conversational UI. QuickBooks Online Digital Assistant & Web chat for IBM Watson.
• Obital — I'm Elias, a guy from Denmark doing start-ups, coding and a bunch of fun projects in Engineering.

Portfolio highlights

• Heaps — HeapsGo helps you own your restaurant sales. We build, run and scale a custom branded digital platform for your restaurant.

Portfolio highlights

• Adent Health — Adent Health is an AI-based mobile app for tracking and monitoring dental health. It also enables users to scan their teeth with smartphones and get recommendations on personalized dental care products based on the results.

Portfolio highlights

• Handle — Purpose-built for material suppliers and contractors to manage the entire process of payments and lien management.
• Nira Energy —
• Banyan Infrastructure — Banyan is the only end-to-end software platform that is purpose-built to streamline sustainable infrastructure finance, from development to asset management.

Portfolio highlights

• aiomics — Aiomics | Back to your calling.Across Europe, healthcare providers lose hours every day to fragmented documentation—handwritten notes, scanned PDFs, dictations, disconnected IT systems. The result: burnout, missed revenue, and patients feeling like they’re asked the same question three times.Aiomics changes this. Our AI-driven co-pilot capturesevery clinical detail—speech, handwriting, digital notes—and validates it in real time with a human-in-the-loop process. Interactive checklists surface missing information before the patient leaves, and audit-ready records flow straight back into existing systems. Built for GDPR, MDR, and the EU AI Act from day one, Aiomics makes documentation complete, compliant, and instantly usable.We don’t replace EHRs—we make them better. From admission and discharge reports to insurer forms, from therapist briefings to patient-friendly letters, Aiomics turns paperwork from a burden into an asset. For providers, that means fewer errors, faster reimbursements, and—most importantly—more time at the bedside.Our mission: to empower healthcare professionals by removing administrative burdens and elevating their decision-making with trusted AI guidance—so they can reconnect with why they chose this vocation in the first place.Who we are: Aiomics is co-founded by Dr. Sven Jungmann, a physician with frontline experience of administrative overload; Dr. Nikita Tarasov, a physicist and data scientist; and a lawyer who scaled one of Europe’s largest digital service companies. Together, we unite empathy, technical mastery, and regulatory expertise to build the trusted co-pilot for Europe’s healthcare providers.
• ThinkSono — ThinkSono is a company at the cutting edge of medicine and technology.
• Nolea Health — As a clinician with Nolea you can set your own schedule, work with as many healthcare companies as you want, hold all of your credentials in one single sharable wallet, access new educational resources, and receive community feedback.

Portfolio highlights

• Bosso — Bosso projects and realizes automation and robotic solutions for the growth of your business.
• Chpter — Chpter is a software development company that offers fast billing and checkout to help start, run, and grow a business.
• Level Africa — Digital Investment Marketplace for Africa

Portfolio highlights

• Spatial Labs — Spatial Labs is a technology infrastructure company that is powering the next generation of Augmented Reality, Blockchain, Omni-channel, and Immersive Experiences - collectively known as the Metaverse.
• Swiftly — Increase sales and foster customer loyalty with Swiftly's innovative retail media platform. Get turn-key solutions to thrive in a digital world.
• Signa Sports United — INSPIRING PERFORMANCE. UNITED BY PASSION.

Portfolio highlights

• Fauna — Fauna is a digital pet health book that connects pet owners and animal clinics.

Portfolio highlights

• LimeWire — We are under maintenance.
• Bezel — Shop for thousands of the most collectible watches online. Find Rolex, Cartier, Patek Philippe, Panerai, IWC, and more. All of our watches are authenticated in-house by our team of specialists and watchmakers with decades of experience in luxury watches.
• Kits.AI — Arpeggi is a web3 music creation platform where musicians can publish their sounds for others to create with. Begin remixing samples, loops, and songs in our free in-browser DAW in one click. Connect with artists. Grow your following.

Portfolio highlights

• Plecto — Boost performance with real-time dashboards and motivate your employees to reach new limits
• Fenerum — Automate your subscription management and financial operations with automatic billing, automated accounting, expense management, SaaS KPIs, and reporting.
• Fishtrip — Fishtrip helps you find, book and pay for your fishing trip. We convey the contact between trip providers and anglers. It has never been easier arranging a fishing trip.Fishtrip is the easiest way to offer anglers a fishing trip with your boat, as a fishing guide or at a Put&Take lake. Let Fishtrip help you offer and manage your servicesonline.

Portfolio highlights

• Monta — Monta's EV charging management software helps industry pioneers to streamline their operations and deliver stellar EV charging experiences to their customers.
• Miramis —
• Pluto.markets — Pluto is the modern investment app for the 100m Europeans living in countries without the EUR.