3F – Fagligt Fælles Forbund

What 3F – Fagligt Fælles Forbund does

3F – Fagligt Fælles Forbund is a Danish non-profit trade union and unemployment insurance fund (a-kasse) founded in 1899 and headquartered at Kampmannsgade 4 in Copenhagen. It is Denmark's largest trade union, serving approximately 249,214 members as of November 2025 — roughly 26.4% women and 73.6% men — across six industry groups: Industry, Construction, Transport, Public Sector, Private Service/Hotel/Restaurant, and the Green Sector, with 11,042 apprentices and trainees. The organization is operationally distinct from a typical B2C subscription business: it operates as a member-governed, democratic federation with a congress held every three years, a main board (Hovedbestyrelse), 57 local departments (afdelinger) staffed by trade-specific experts, and 44 service offices distributed across Denmark. Its wholly-owned subsidiary, 3FA, delivers the regulated unemployment insurance function.

Name

3F – Fagligt Fælles Forbund

Legal name

Fagligt Fælles Forbund

Website

https://3f.dk

Company type

Private

Founded year

1899

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

3F – Fagligt Fælles Forbund is Denmark's largest trade union, serving approximately 249,214 members across six blue-collar industry groups with collective bargaining, integrated unemployment insurance (3FA), legal aid, training, and bundled member benefits including discounts and insurance.

Ownership category

akta.pro rank

Product category

Trade Union Services

NAICS

Labor Unions and Similar Labor Organizations (81393), Health and Welfare Funds (525120)

SIC

Services-Membership Organizations (8600), Services-Employment Agencies (7361)

akta.pro primary industry

Taft-Hartley / Union Multiemployer Group Health Plans (FSAIAFAG)

Keywords

• Trade union services
• Unemployment insurance
• Collective bargaining
• Labor representation
• Member benefits programs

Headquarters

HQ city

Copenhagen

HQ country

Denmark

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Membership Dues (Fagforening): Primary revenue stream from monthly membership fees for trade union services. Fees vary by employment status: full-time workers pay approximately 501 DKK/month, part-time workers under 30 hours pay approximately 372 DKK/month, and apprentices/trainees pay 65 DKK/month. All fees include group life insurance.
2. Unemployment Insurance Fund (A-kasse): Revenue from unemployment insurance fund (3FA) membership. Full-time insured members pay approximately 570 DKK/month, part-time insured members pay 432 DKK/month. Unemployed members with expired unemployment benefit period may apply for exemption from payment.
3. Supplementary Pension Contributions (Efterløn): Optional supplementary pension scheme contributions. Full-time members pay approximately 593 DKK/month, part-time members pay 396 DKK/month for after-retirement benefit entitlement.
4. Voluntary Insurance Add-ons: Additional insurance products including leisure accident insurance at 38 DKK/month, income insurance, and other optional coverage.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

3F – Fagligt Fælles Forbund is Denmark's largest trade union, providing collective bargaining representation, workplace support, and union membership services for approximately 249,214 blue-collar and related workers across six industry groups (Industry, Construction, Transport, Public Sector, Private Service/Hotel/Restaurant, and Green sector). The organization also operates an unemployment insurance fund (3FA) offering dagpenge (unemployment benefits) and efterløn (early retirement) entitlements, alongside a portfolio of member benefits including legal advice, salary review, job placement, holiday house rentals, discount programs, insurance products, and free football match tickets.

Product overview

3F – Fagligt Fælles Forbund is Denmark's largest trade union and unemployment insurance fund (3F A-kasse / 3FA), providing a unified member platform through the Mit3F self-service portal. The core offering combines union representation, collective agreements (overenskomster), and unemployment insurance with a portfolio of member benefits including PlusKort discounts, 3F Feriehuse holiday rentals, 3F Superliga ticket program, insurance products, legal advice, salary review (Løntjek), job placement (3F Jobformidling), and training at Langsøhus. The union also publishes Fagbladet 3F and offers mobile apps for iPhone and Android covering the magazine, course information, and the PlusKort digital membership card. 3FA handles unemployment benefits (dagpenge) and early retirement (efterløn).

Differentiator

Problem solved

Functional benefit

Brands

• 3FA: 3F's unemployment insurance fund (a-kasse) providing unemployment benefits and related services to members

Products and services

• Mit3F Self-Service Portal Online portal for 3F members to manage membership, view correspondence, book holiday houses, access unemployment fund services, and handle job search activities.
• 3F A-kasse (3FA)
• PlusKort Discount Program Discount program offering members exclusive savings at over 1,800 retail partners across Denmark, with access via physical card or the PlusKort digital membership card mobile app.
• 3F Feriehuse (Holiday Houses) Rental service offering members access to vacation properties in Denmark and Europe at member-discounted rates.
• 3F Superliga Ticket Program Membership benefit providing free tickets to all 3F Superliga football matches throughout the season, including one guest ticket per member.
• Løntjek (Salary Check) Free salary review service where 3F specialists verify whether members are receiving correct pay, supplements, holiday pay, and pension contributions per their collective agreement.
• Juridisk Rådgivning (Legal Advice) Free legal consultation service for 3F members covering both work-related issues and private matters such as divorce, inheritance, and wills.
• 3F Jobformidling (Job Placement) Job search and placement assistance service helping members find new jobs matched to their skills, including CV workshops and interview preparation support.
• 3F Insurance Products Insurance products including leisure accident, home contents, income, group life, critical illness, car, and liability coverage offered through Alka Forsikring.
• 3F Mobile Applications Suite of mobile applications providing union news notifications, course information with peer interaction, and digital membership card access for PlusKort discounts.
• Fagbladet 3F (Union Magazine) Official 3F trade union publication kept members informed about labor market developments, union activities, and benefits, delivered as a mobile app with notification alerts.

Quantifiable outcome

• 249,214 members (November 2025) - making 3F Denmark's largest trade union
• +4 more outcomes

Named customers7 records

Segments7 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• PlusKort Partner NetworkcoreGTM or Marketing PartnerOver 1,800 retailers and webshops across Denmark participate in the PlusKort discount program, offering 3F members exclusive discounts and benefits at partner businesses. Partners span multiple industries including retail, services, and online shopping platforms.
• Alka ForsikringcoreOthersAlka Forsikring provides insurance products to 3F members including youth liability insurance (automatically included for members aged 18-25 at no extra cost) and other member insurance offerings. Insurance products are marketed through 3F as member benefits.
• Arbejdernes LandsbankminorOthersPartnership offering 3F members access to preferential car loans through Arbejdernes Landsbank. Members of 3F's trade union and/or customers of Arbejdernes Landsbank can access some of Denmark's cheapest car loans.
• 3F Superliga (Danish Football League)coreGTM or Marketing Partner3F sponsors the 3F Superliga, Denmark's top professional football league. Members receive free tickets to all 3F Superliga matches throughout the season, including one guest ticket per member. This partnership serves as both a member benefit and major brand visibility platform.
• Skat (Danish Tax Authority)coreOthers3F automatically reports membership dues to Skat for tax deduction purposes. Members receive tax deductions for union fees, unemployment insurance contributions, and after-retirement contributions. The partnership enables automatic tax reporting, simplifying member tax filing.
• PensionDanmarkminorOthersMembers covered by health schemes through PensionDanmark or Industriens Pension receive reimbursement for physiotherapy and chiropractic treatments. This partnership provides additional health benefits to members in relevant industry sectors.
• 3F Feriehuse/FeriefondecoreOthers3F operates holiday houses and partners with Feriefonde to offer members access to vacation properties in Denmark and Europe at discounted rates. This provides members with affordable vacation options as part of membership benefits.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Serviceforbundet: Serviceforbundet is a Danish union covering service sector workers, directly overlapping with 3F's Private Service, Hotel and Restaurant group. It competes for the same hospitality and service workers and offers comparable union representation, A-kasse, and member benefits.
• FOA: FOA is Denmark's third-largest trade union, representing public sector employees including care workers, cleaners, and kitchen staff — directly overlapping with 3F's Public Sector segment. It provides similar collective bargaining, A-kasse, and member benefit services under the same LO umbrella.
• BUPL: BUPL is the Danish union for pedagogues, covering educators and childcare workers. While operating in a different professional niche, it is a similarly structured LO-affiliated union with comparable A-kasse, training, and legal services competing for the same pool of Danish union members.
• IDA: IDA is the Danish union for engineers, scientists, and other technical professionals. While covering a different (more white-collar) demographic, it competes with 3F for ancillary memberships and operates a similar A-kasse plus member benefit structure, making it a comparable Danish union model.
• Dansk Metal: Dansk Metal is the Danish trade union for metalworkers, covering skilled industrial workers that overlap with 3F's Industry group. It operates under the same LO umbrella as 3F, competes for similar blue-collar members, and offers comparable A-kasse, legal, and training services.
• DJØF: DJØF is the Danish union for lawyers, economists, and other social science professionals. It is a comparable Danish union operating under the same collective bargaining and A-kasse framework, representing an alternative union choice for white-collar workers that 3F does not cover.
• TL (Teknisk Landsforbund): TL is a Danish trade union for technicians, technical-merchandising, and similar skilled workers. It operates under the same broader union ecosystem as 3F and competes for members in technical and industrial occupations with similar A-kasse and member benefit offerings.
• HK (Handel & Kontor): HK is one of Denmark's largest trade unions, representing salaried employees in trade, offices, and administration. It competes directly with 3F for members in overlapping private sector roles and is part of the same broader Danish trade union ecosystem with similar collective bargaining and member benefit structures.

Regional players

• TCO (Tjänstemännens Centralorganisation): TCO is the Swedish trade union confederation for salaried employees, operating as a structural counterpart to LO in Denmark. While geographically separate, it offers a comparable multi-union ecosystem with similar A-kasse-like insurance funds, collective bargaining, and member benefit programs used as a regional benchmark for Danish union models.

Broad incumbents

• LO (Landsorganisationen i Danmark): LO is the Danish Confederation of Trade Unions, the umbrella organization to which 3F belongs. It coordinates collective bargaining across member unions and represents the broader Danish labor movement, making it the natural broad incumbent peer for evaluating 3F's place in the Danish union landscape.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/3f.dk

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 3F – Fagligt Fælles Forbund