You can pay for goods or services with a Visa/Dankort card in shops that accept Dankort and/or Visa cards, including online shops.  If you choose to pay with Visa instead of your Dankort card in an online shop, it will be easier for you to submit a dispute to the shop should it become necessary.

Read more about disputes

If you return an item, most shops will be able to refund the amount to your Visa/Dankort card.

Your Visa/Dankort card is personal and may be used only by you. There is also a PIN for your card, which you need to memorise. If you suspect that someone has gained access to your PIN or card, you must contact us immediately.

If you lose your Visa/Dankort card, you must block it. You can do this quickly and easily in Danske Mobile Banking, Danske eBanking or Danske Tablet Banking. If you cannot find your card, you can easily deactivate it in Danske Mobile Banking and reactivate it if you find it again. If your card is stolen or lost, you can order a new card in Danske Mobile Banking, Danske eBanking or Danske Tablet Banking. If you do not have access to Danske Mobile Banking, Danske eBanking or Danske Tablet Banking, you can call us 24 hours a day on + 45 70 20 70 20.

As a general rule, your Visa/Dankort spending is limited to the amount you have in your account. However, if you use the card as a Visa card, there is a maximum spending limit per current 30 days (and a maximum spending limit per day). This applies regardless of whether you use your Visa card in Denmark or abroad. If you reach the maximum spending limit, your card is automatically blocked.

To reduce the risk of card fraud online, there are requirements for the authentication of online card payments.
This means that you may experience that you need to authenticate your purchases using either:

• The MitID app or
  
• A personal password of your choice in combination with a one-time passcode sent by text message.
  

Read more here

From 1 January 2018, neither physical shops nor online shops may charge a fee when you pay with a Mastercard card or any other card. This applies throughout the EU.

There are exceptions, however. Fees may be charged on corporate cards and cards issued in non-EU countries. If you are liable for purchases made with your corporate card, it is regarded as a personal card and no fees are payable.

If you are charged a fee when using the card, you must complain to the shop and ask them to refund the amount according to the Danish Payments Act (Betalingsloven). You can also file a complaint about the shop with the Danish Competition and Consumer Authority at kfst@kfst.dk

You can submit a dispute if you see card transactions on your account that you do not recognise or have not authorised. 

For example, if you have shopped online and have not received your purchase, we may well be able to help you. Before you contact us, however, you must try to work out the problem with the shop or website. If you cannot come to an agreement within 2-4 weeks after the purchase was made, you should submit a dispute immediately. 

If you suspect that your card has been used fraudulently, block it immediately and then submit a dispute.
Read more about how we can help and how to submit a dispute here.