Be Safe – Protect yourself from financial crime

Financial criminals are always on the lookout for new opportunities, so you should always remain vigilant to protect your money. Criminal activities come in many forms, and this site will guide you through what financial crime risks to be aware of to avoid becoming a victim yourself. This site also explains what our work to fight financial crime means for you as a Danske Bank customer.

Top six tips for protecting you and your money

Never reply to text messages, emails or phone calls that ask for your personal information. Never share personal information such as your NemID/MitID details, logins or passwords.

! Think before clicking on links and opening attachments. Check emails carefully – even small irregularities in an email can indicate that it is a scam. Be particularly careful with emails and text messages you get from people you do not know and from banks and other official sources. Emails and text messages from fraudsters create a sense of urgency and often have errors and unusual-looking layouts, so also be on the lookout for spelling mistakes.

! Always trust your instincts. If something sounds too good to be true, it probably is! Criminals often sound professional and create a false sense of security. One example of this is in investment fraud, where fraudsters promise guaranteed returns from an investment opportunity that they claim is available only to you. Stop and give yourself some time to think. Legitimate companies will never ask you to make hasty decisions.

! Keep watch for unusual transactions on your accounts. Check your balance on a regular basis via Danske Mobile Banking or Danske eBanking to keep watch for any transactions that you cannot recognise.

! When you transfer money, ensure that all the information is correct before you proceed. When you transfer money abroad, remember to check the SWIFT/BIC address, the country and currency code, and all of the other information about the person you are transferring the money to.

! Be safe online with firewalls and passwords. Use different, strong and secure passwords that use a mix of alphabetic and numeric characters – and change your passwords often. Read more about cybersecurity and find useful advice about staying safe online.

If you suspect that you have been a victim of fraud, please contact us immediately on +45 70 123 456. Read more here about what you should do if you suspect fraud.

Good advice

  • Using cards or digital payments

    Know how to protect yourself when you

    • use your card in a shop, restaurant or ATM
    • make payments and transfers
    • shop online
    • spot an unusual transaction on your card
    • receive emails, text messages and phone calls

    Find useful tips about detecting financial crime and learn how to avoid becoming a victim

    Read more on our cards and digital payments site, where you can also find tips to help you protect yourself from financial crime when you use your payment card or make digital payments and transfers. The site also explains the financial crime risks that you are exposed to when you make payments.


    Please contact us immediately on +45 70 123 456 if you suspect that you have been a victim of fraud.

  • Making investments

    Investment fraud is characterised by fraudsters promising high returns for minimum risk. To appear genuine, fake advertisements will often claim that the investment scheme is endorsed by celebrities or backed by a trusted company.

    • Think critically about investment offers that promise you a secure investment, a guaranteed high return and low risk.
    • Be wary of any offer that you are told is only available to you and is not to be shared with others.
    • Check that the investment campaign comes from a certified financial institution.
    • Read more about investment fraud in our section about fraud types.
  • Having international risks

    Stay vigilant about the international risks you are exposed to when you make cross-border money transfers and other international transactions


    • Fraudsters hide behind (multiple) international borders to mask their illegitimate activities. Investigate international investment opportunities thoroughly – and verify international transactions and online sellers before you act.
    • Read more here about how to make international transactions securely.
    • When you buy from, sell to or transfer money to somebody abroad, be aware of any embargoes and sanctions that may be in place. Read more about sanctions here.
    • When you transfer money abroad, we may need to contact you and ask you further questions. We do this to ensure that your transaction is not exposing you or Danske Bank to any international risk.

Be Safe online

On our cybersecurity site, you can read more about cybersecurity and how to be safe online

Use strong and secure passwords - and never share them with anyone else

Never disclose personal information such as your NemID/MitID details and passwords

Remember to update your antivirus software and firewalls

Some of the most typical kinds of fraud

How our responsibility as a bank affects you as a customer

Protecting our customers, Danske Bank and society from financial crime


Preventing financial crime includes looking for patterns and spotting things that are unusual. We take a three-step approach that enables us to know who our customers are, understand how our customers are using the bank, and detect and analyse any unusual use of the bank’s products and services.

Watch the video on this site to learn how the measures we employ at Danske Bank to fight financial crime can have implications for you as a customer.

Why do I need to upload proof of my identity?

  • All our customers are subject to our customer due diligence process, which is a process that ensures that we know who our customers are. This process applies both to new customers and existing customers, even if they have been Danske Bank customers for many years.
  • Our customer due diligence process includes verifying the identity of the customer, understanding the customer’s needs and establishing how the customer uses or is expected to use our products and services.
  • We carry out our due diligence checks on our customers on a regular basis to see if a customer’s needs or use of our products and services has changed. All financial institutions have an obligation to know who their customers are, and at Danske Bank we call this process Know Your Customer (KYC).
  • Read more here about why we ask questions and ask our customers to provide us with proof of their identity.

Why are you asking about my transactions?

  • During a customer relationship, we monitor how our customers are using our products and services by means of transaction monitoring and screening.
  • By knowing our customers and monitoring their use of our products and services and then comparing this data against the customers’ expected use of the bank, we are able to spot any unusual activity.
  • Our systems and processes also help us to identify when we need to investigate if customers have been victims of financial crime or if Danske Bank is being misused for illegal activities. This protects both Danske Bank and our customers.
  • We may ask you to send us documentation of transactions on your bank account that have been deemed to be not in line with your expected use of the bank. For this reason, we advise you to have documentation for transactions such as private loans or purchases.

Why is my transaction stopped?

  • We match the information we have about customers against data and information to validate and cross-reference customer information and data.
  • To validate, compare and screen our own customer data, we use data from international sources, such as the EU and the UN, and from national registers.
  • Like all other financial institutions, Danske Bank monitors international sanction lists and screens customer information against these lists.

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