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Secure online trade

When you shop online, you may need to authenticate your card payments.
The easiest way to authenticate payments is to use the MitID app.


To reduce the risk of online card fraud, there are requirements for the authentication of online card payments.

This means that you may need to authenticate your payments using either

  • MitID
  • a personal password of your choice in combination with a one-time password sent by text message.

You may not be able to complete your purchases if you do not have the MitID app or a personal password ready when you shop online.

Use the MitID app, MitID code display or MitID audio code reader
We recommend that you use the MitID app to authenticate online payments but MitID code display and MitID audio code reader can also be used.
If you do not have the MitID app: Read how you get access to the MitID app. 

Personal password required when you pay using payment cards in apps
If you use your card to make payments in apps, for example for games and purchases of groceries or clothes, you may occasionally need a personal password and a one-time password sent by text message for authentication of the payment. You will not always have the option of using MitID in apps.

You therefor have to create a personal password for making payments in apps. Otherwise, you may not be able to complete your purchase. Please see the guide below.

How to authenticate using a personal password and a one-time password
If you do not use MitID, you need to authenticate your online payments using a personal password in combination with a one-time password sent by text message.

  • Visa/Dankort card
    Create a personal password for your Visa/Dankort card at nets.eu/3ds. You will need your MitID to log on to the website. You will get the one-time password by text message in connection with the payment.
  • Mastercard card
    Create a personal password for your Mastercard card at danskebank.dk/managecards.  
    You will need your MitID to log on to the website. If you do not have a MitID  you need a temporary PIN to log on to the website for the first time.
    You can order a temporary PIN by calling us on +45 70 20 70 20 – it will then be sent to you by post.

Questions and answers about online purchases

  • You can create a new personal password for your Visa/Dankort at Nets’ website at nets.eu/3ds. You will need a MitID to sign in to the webpage.
  • You can create a new personal password for your Mastercard card at danskebank.dk/managecards.
    Use your MitID to log on to the website. If you do not have a MitID, you need a temporary PIN for logon.
    You can order a temporary PIN by calling us on 70 20 70 20, and it will then be sent to you by post.
  • If you use your payment card to make payments in apps, for example for games and purchases of groceries or clothes, you may occasionally need a personal password and a one-time password sent by text message for authenticating the payment. You will not always have the option to authenticate with MitID in apps.
    Instead, you have to authenticate your payments using a personal password in combination with a one-time password sent by text message. See how you get a code in the guide in the blue box above.
    Instead, you have to authenticate your payments using a personal password in combination with a one-time password sent by text message. See how you get a persona passwordcode above.
    • If you have a Visa/Dankort card
      It may be because you have not linked your phone number to your Visa/Dankort card or because you have not created a personal password for your card. You can link your phone number to your card and create a personal password for your card at nets.eu/3ds.
    • If you have a Mastercard card or a Pocket Money card
      It may be because you have not linked your phone number to your Mastercard card. You do so by registering your phone number in Danske eBanking or Danske Mobile Banking. If you do not have access to one of these solutions, you can call us and give us your phone number. It may also be because you have not created a personal password for your card. You can create one at danskebank.dk/managecards.
  • The easiest way to authenticate a payment when shopping online is to use the MitID app. You can also use MitID code display and MitID audio code reader.. If you do not have the MitID app: Read how you get access to the MitID app.
  • Yes, it is now possible to use MitID code display and MitID audio code reader to approve online purchases.
  • Some telephone operators do not allow automatically generated text messages. Please contact your operator to find out whether they allow automatically generated text messages sent to you or whether such messages are blocked. If you have access to a mobile phone with a Danish subscription, we recommend that you use that phone.

    Remember to link the Danish mobile number to the card you would like to use for online payments. You can link your mobile number to your Visa/Dankort card at nets.eu/3ds, and you can link your mobile number to your Mastercard card by entering your number in Danske eBanking/Danske Mobile Banking.
  • Yes, you can have several cards linked to the same mobile number.
  • The requirements for how you authenticate online card payments do not affect your possibilities of submitting a dispute. You can always submit a dispute if you see a card transaction on your account that you do not recognise or cannot accept. Read more about how to submit a card dispute.

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