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Why does Danske Bank ask District users to provide proof of identity?


At Danske Bank, we are very focused on fighting financial crime, and this also affects you as a customer. Like all other banks, we are under an obligation to comply with the Danish Anti-Money Laundering Act (Hvidvaskloven). This requires us to be able to document to the authorities that we know who our customers are and understand how they use Danske Bank.

With our former District user registration process, we were unable to meet these requirements because it was possible to create a new user without Danske Bank knowing the user’s identity. We believe that this set-up exposes both our customers and us to considerable risk.

With our new process, we will become even better at ensuring that both we and our customers always know who is authorised to operate our customers’ accounts. This will give us a better chance to reveal fraud – and thereby also provide a more secure system to our customers.

Q&A regarding the uploading of documentation

  • The Anti-Money Laundering regulation requires us as a bank to be able to provide documentation to the authorities showing that we know the identities of the users in District. This is to help prevent fraudulent use of the financial system.

    We understand that some users may feel inconvenienced when we ask for proof of identity and/or other information. However, just as the security checks at an airport ensure that all travelers can enjoy a safe flight, it is both necessary and in the best interests of us all that we meet the legal requirements for knowing our users. Please note that all information will be safely stored.
  • For more details about why we are asking questions and obtaining proof of identity from our customers, please visit danskebank.dk/erhverv/kyc.
  • All banks must assess what documentation they deem sufficient to enable them to comply with the Anti-Money Laundering regulation. This includes being able to provide documentation to the authorities showing that we know the identities of any District user.

  • The following instructions apply to you if you are aged 18 or older.

    Please note that:

    • Your proof of identity must be valid (i.e. not expired)
    • A selfie, portrait photo or similar is not a valid form of photo ID

    Which proof of identity do you need to upload copies of?

    • Your passport or
    • Driver’s license and your health insurance card

    If you do not have a valid passport or other type of photo ID
    If you do not have a passport, driver’s license or other valid photo ID, please contact Customer Service at (+45) 45 14 83 26 (English speaking support).

    Please see below for a list of types of valid proof of identity.

    Valid photo ID

    • Passport
    • Driver’s license issued by an EU, EEA or EFTA (Iceland, Liechtenstein, and Switzerland) country or the Faroe Islands and Greenland

    Valid proof of identity without a photo

    • Health insurance card

    If you are living abroad, you must upload a proof of address.

    Documentation of your address abroad
    The documentation may not date back more than six months and must be written in Latin script. It is important that your full name and address is clearly stated in the document.  You can upload one of the following types of documents, for example:

    • An account statement from your local bank
    • A document from a public authority in your country of residence
    • A valid rental contract
    • A home utilities bill (electricity, water, heating, gas, broadband, cable TV or insurance)
    • A national ID card issued in your country of residence

  • Yes. You can securely upload your files via this website.

    We will only share this information with third parties with your specific consent or if explicitly stated in the law. Our websites provide secure connections that encrypt files and save them on Danske Bank’s secure systems in the same way as with all other confidential information. 

    You can read more on how we process personal data in Danske Bank A/S Privacy Notice.
  • We would like to emphasise that we only ask for the information that we believe is necessary for us to comply with our legal and contractual obligations. Overall, we have assessed that the requested personal data will help to reduce the risks mentioned earlier, including ensure that we comply with our legal obligations.
  • The requested information is a prerequisite to gain or retain access to District. If the information is not provided, kindly be informed that we are obliged to deny your access to District.
    • Take a photo of your proof of identity and proof of residential address, for example using your mobile phone camera or a scanner. Selfies cannot be used as photo ID.
    • Check that all information is included in the photo and is clearly legible
    • Save the file on a device (a computer or tablet for example), from which you can open this webpage
    • Fill in the personal data fields
    • Click/tap Upload and follow the instructions
    • You can upload up to 10 files at a time
    • Click/tap Send when you have uploaded all your files

    Choose between the following file formats: PDF; jpeg/.jpg/.png or gif.
    The maximum size for each file is 4 MB. 
  • How to take a picture of your passport and documentation of your residential address 
    • Place your passport or documentation of residential address on a table or other flat surface.
    • For the passport picture, you only need to take a picture of the page that contains your photograph, name, etc.
    • For the documentation of you residential address (e.g. electricity, water, heating, broadband, cable TV or insurance bills related to your property), you only need to take a picture of the page with the relevant information.
    • Make sure there is enough light – but avoid any reflection.
    • Make sure that your picture includes all the information on the passport page.
  • The requirements across countries are not exactly the same. Therefore, you can experience that we request additional information - this applies if you for example are an account mandate holder of Norwegian, German or Polish accounts.
  • We ask because persons who either are or are associated with politically exposed persons are generally more exposed to political pressure and corruption from persons seeking to influence certain decision-making. To prevent money from corruption from entering the financial system, we have to take extra precautionary measures in relation to customers who are politically exposed persons.
  • Unfortunately, it has come to our knowledge that some of our customers forget to delete inactive mandates or that they assign users’ personal log-in credentials to new employees rather than creating new users.
     
    Therefore, our communication about District users and mandate holders is not just about the Danish Anti-Money Laundering Act, but also about the fact that it is to our customers benefit as well as ours that the number of mandates is updated regularly to reflect our customers actual needs.
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