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Financial crime risks when using cards and making digital payments


Criminals have access to the same financial instruments and tools as everyone else, and we are all at risk of falling victim to these criminals when we use our cards and make payments. On this site, you can learn about these risks and what to be aware of.

Dos

  • Always verify the sender of an email or text message and be particular wary about clicking on links and opening attachments.

  • Forward suspicious emails and text messages to falskemails@danskebank.dk.

  • Contact us via Danske Mobile Banking or Danske eBanking, which use secure communication channels that let you safely send us your personal information.

Don’ts

  • Never open links or files from an unknown source.
  • Never answer emails, calls or texts messages that
  • ask you to share personal information such as your NemID/MitID, passwords, user ID or account details
  • urge you to make hasty decisions
  • request control of your computer or mobile device
  • ask you to move your money to another account
  • Never share your usernames or passwords.

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

Tips to Be Safe

  • Using your card in a shop, restaurant or ATM

    Be safe when you use your card in a shop, restaurant or ATM

    • You should be the only person who knows your PIN.
    • Be aware of your surroundings when you withdraw money.
    • Never let others withdraw money through your card – you could end up as money mule.
    • Always cover the keypad when you enter your PIN.
    • Never give out your card information or give your card to somebody else.
    • Never let your card out of sight when you make a purchase.
    • Reduce your spending limit for your payment card and cash withdrawals. You can reduce the limit in your Danske Mobile Banking or Danske eBanking.

  • Making payments and transfers

    Be safe when you make payments and transfers

    • Before you approve the transaction, check that all the details (e.g. bank, account and country information) actually are as you expect once you have filled out all the transfer information.
    • Never make a payment or transfer that you feel insecure about.
    • If someone contacts you by email, text message or phone call telling you that you should make an urgent transfer or move your money from one account to another, it may be an attempt at fraud. Do not respond and contact Danske Bank on +45 70 123 456 if you are in any doubt.
    • Reduce the maximum amount you want to transfer per payment and/or per day using Danske eBanking: select account à terms and settings à settings à change your limits.
    • Read more about payments and transfers to ensure that you make them securely and correctly.

  • Shopping online

    Be safe when you shop online

    • Reduce the risk of fraud online by authenticating your purchases with NemID/MitID. Read more about making secure online purchases.
    • If you need to visit a website, you should type the web address directly into your browser’s address bar rather than clicking on a link you have been sent – unless you have verified that the link is genuine.
    • Check that Danish retail websites are labelled with the e-mærket certificate. You can verify that a Danish online retailer is genuine by checking it on emaerket.dk.
    • Check that the retailer’s website also lists a physical address, email address and telephone number. If there is no contact information, the online shop may be a scam.
    • Be wary if the language used on the website is poor and full of errors, or if the prices are listed at odd amounts (e.g. DKK 387,67).
    • Check reviews on Google or Trustpilot etc.
    • Read more about online shopping fraud and be safe when shopping online.

  • Spotting an unusual transaction

    Keep watch for unusual transactions on your account

    • Regularly check your transactions in Danske Mobile Banking or Danske eBanking to keep watch for any suspicious transactions.
      Read more       here about how to check account balances and view your payment history
    • Contact your bank immediately if you spot any unusual transactions. Read more here about how to behave if you discover unauthorised use of your card.
    • Block your card if you suspect any form of fraud or misuse of your card. Read more here.
    • If there are transactions on your account that you do not recognise or accept, you should submit a card dispute. Read more here about submitting a card dispute.

  • Receiving emails, text messages and phone calls

    Stay vigilant when you receive emails, text messages and phone calls

    • Never reveal financial information such as your card details.
    • Never share personal information such as your NemID/MitID information with anyone else.
    • Never open unsecure links or attached files. Always double-check the domain name of the website. If the URL of the website includes unusual numbers, symbols and strange words, you need to further check the authenticity of the website.
    • Beware of poor spelling or grammar, and double-check the authenticity of the sender. If a message says it is from Danske Bank but you think it may be suspicious, you should contact us by calling us on our publicly available phone number or via the secure communication channel in Danske Mobile Banking and Danske eBanking.
    • If you have any misgivings about an email or text message, you should delete it immediately. If it claims to be from a sender who you know, contact that person directly on the phone number you would normally use – do not use the number given in the email or text message.
    • Read more about fake emails, text messages and fake phone calls.
    • Use Forbrugerrådet Tænks app ‘Mit digitale selvforsvar’ (in Danish only) to check which scams are currently circulating.

How our responsibility as a bank affects you as a customer

To protect our customers, Danske Bank and society from financial crime

Preventing and fighting financial crime are two essential tasks that every responsible financial institution must perform. 

That is why we at Danske Bank have both an obligation and a commitment to comply with Danish and international anti-money laundering legislation and regulations and to fight money laundering and fraud against banks and customers. 

Among other things, this means that we continuously update our knowledge of our customers and their use of our products and services, carefully monitor transactions and cooperate closely with authorities in and outside Denmark.

  • At Danske Bank, we employ measures such as monitoring and screening transactions to meet our obligation to prevent financial crime. To monitor customer behaviour and transactions for any unusual activity, we use the knowledge we have about our customers to understand what behaviour is expected or usual for each customer. Read more here about why we ask questions and ask for proof of identity.
    • In Danske Bank we monitor all transactions passing through our systems, including card payments, digital payments, and investment-related payments, to ensure they align with the expected or usual behaviour of the customer.
    • We compare transactions against customer information and if a transaction is not in line with the expected behaviour, we investigate the reason. 
    • To prevent fraud and protect you as our customer, we may also ask you questions about a transaction to determine whether the transaction has in fact been made by you or is fraudulent.

    Example: If you do not usually deposit or withdraw cash but then start doing so, we may ask why your banking needs in relation to making cash deposits and withdrawals have changed.
    • Like all financial institutions, Danske Bank has an obligation to ensure that its customers and the people its customers do business with do not violate sanctions.
    • To meet this obligation, we screen all transactions against international sanction lists and protocols.
    • We adhere to international sanctions, such EU and UN sanctions, and sanctions issued by individual countries, such as the US, UK and the Nordic countries. Read more about sanctions here. 

Watch our video to learn how these measures can impact you as a customer.

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