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Cards

If you want to know what it will cost to use your card to pay an amount in a European currency other than Danish kroner, you can use our Cost calculator.. 

Debit and credit cards are an important element of our full-service concept. A debit card is linked to your personal bank account, while a credit card allows you to have extra money available at all times. Our new generation of credit cards also function as debit cards. The cards are all easy and safe to use, also for contactless payment, and can be managed through Danske eBanking. Danske Bank bases its card offering to you on an individual assessment of your financial position. Order your card through eBanking or by calling us on +45 70 123 456.

Mastercard Basis

A card for everyday shopping and travel

  • Travel insuranceOptional insurance
  • CreditMin. DKK 15,000
  • Interest-free creditYes
Read more

Mastercard Direct

Balance control

  • Travel insuranceOptional insurance
  • CreditNo
  • Balance controlYes
Read more

Mastercard Guld

A card for everyday shopping and travel

  • Travel insuranceEurope
  • CreditMin. DKK 50,000
  • Interest-free creditYes
Read more

Mastercard Platin

A card for frequent travellers

  • Travel insuranceWorldwide
  • CreditMin. DKK 50,000
  • Interest-free creditYes
Read more

Visa/Dankort

A card for your day-to-day shopping

  • Travel insuranceNo
  • CreditNo
Read more

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Get advice

Are you in doubt as to which card to choose? Call us on +45 70 20 22 96 – and let us help you.

Cost calculator

You can use the calculator to get an estimate of currency conversion costs before you make a transaction. The calculator uses the reference rate of the European Central Bank (the ECB). You will get the difference in per cent as well as in Danish kroner.

Cost calculator

You can use the calculator to get an estimate of currency conversion costs before you make a transaction. The calculator uses the reference rate of the European Central Bank (the ECB). You will get the difference in per cent as well as in Danish kroner.

 

 

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ECB reference rate

The ECB publishes reference rates for the following European currencies once a day: CHF, CZK, DKK, EUR, HUF, ISK, NOK, PLN, SEK, BGN, HRK, RON. The rates are not intended to be used in market transactions, but are published for information purposes only.

ECB

The European Central Bank (ECB) is the central bank of the eurozone. The ECB is responsible, among other things, for the euro and sets and implements the monetary policy that determines the value of the euro together with the national central banks of the eurozone countries.

Read more about card payments abroad

The EU Cross-Border Payments regulation requires all banks to inform their customers of the charges they pay when they use their cards to make payments in another currency in the EU and in Norway, Lichtenstein and Iceland (the EEA countries). The regulation aims to ensure greater transparency for customers on certain charges for card transactions in the European Economic Area (EEA).

  • Why do you get a text message about the currency margin?

    We are obliged to inform you about the difference between the exchange rate applied and the exchange rate set by the European Central Bank in per cent.

    You will receive a text message if you have a credit card, a payment card or a corporate card with personal liability and we have your mobile phone number. You can always update your mobile phone number via Danske Mobile Banking or Danske eBanking.

    Parents of a child under the age of 18 will also receive a text message when the child’s card is used for payments.

  • Why can there be a difference between the mark-up stated in the text message and that stated in the price list?

    The ECB rate is a reference rate and not the rate used by Danske Bank for card transactions.

    We use MasterCard and Visa rates for conversion of card payments (depending on the card you use), and you may therefore find that there is a small difference between the mark-up stated in our text message and the mark-up stated in our price list. There are no changes to fees and charges.

    Please note that exchange rates change on an ongoing basis, so the rate may have changed when your payment is booked.

  • When will you receive a text message?

    You will receive a text message the first time you use your card to make a payment (at a physical point of sale or online) or an ATM withdrawal in an EU/EEA currency other than Danish kroner.

    Once you have received the first text message, you will not receive additional messages over the next 30 days if you make further payments or ATM withdrawals in the same currency using the same card.

    You will receive the text message as soon as Danske Bank has approved the transaction. If you have the option of paying in Danish kroner or the local currency, and you choose Danish kroner, you will not receive a text message from Danske Bank. If you pay in Danish kroner, the payment recipient/ATM owner will do the currency conversion, and you may have pay a higher exchange rate mark-up.

  • Can I unsubscribe for these text messages?

    Yes, you can stop receiving the text messages by sending a text message with the text “STOPCCY” to 3326.

    If you opt out of receiving the text messages, this applies to all cards issued to you by Danske Bank.

    You can always re-register for the service by sending a text message with the text "STARTCCY" to 3326.

    *EEA currencies: CHF, CZK, DKK, NOK, EUR, SEK, BGN, HUF, ISK, PLN, HRK, RON

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