Mastercard Direct

Balance control

  • International payment card
  • Spending limited to the amount in your account
  • More secure online shopping

Order your Mastercard 
- or call us on 
+ 45 70 123 456

The Mastercard Direct card is an international payment card that you can use for both everyday shopping and for travel. You can use the card in most shops in Denmark, in ATMs and when shopping online – and abroad, you benefit from Mastercard being the most widely accepted card in the world.

The Mastercard Direct card functions as an ordinary payment card as amounts are charged to your account immediately. The card offers balance control, which means that spending is limited to the amount deposited in your account.
You can apply for a Mastercard Direct card in Danske eBanking and the new Danske Mobile Banking.
Add insurance
You can upgrade your Mastercard Direct card to include attractive insurance – for example ‘Annual Travel Insurance Europe’ or a purchase and mobile insurance policy.

Mastercard Direct


  • Card with balance control

    The Mastercard Direct card offers balance control, which means that spending is limited to the amount deposited in your account. When you pay with the card, the amount is charged to the account either immediately or a few days later. 
    Balance control makes it easy to keep track of spending, so you can manage purchases and avoid unpleasant surprises.
  • Optional insurance 

    If you have a Mastercard Direct card, you can choose to upgrade the card to include one or more policies. For example, you can buy ‘Annual Travel Insurance Europe’ and baggage and flight delay with lounge membership insurance.
    Insurance provider Tryg Forsikring A/S, Klausdalsbrovej 601, DK-2750 Ballerup offers the travel insurance. Tryg Forsikring A/S is a member of the Danish Guarantee Fund for Non-Life Insurance Companies, which covers consumer insurance claims if the insurance company goes bankrupt, and has its registered office in Denmark.

    Read more about the various additional policies and prices here.

    Upgrade your card in Danske eBanking
    You can use Danske eBanking to upgrade your card to include one or more policies once you have received the card.
  • No fees on card payments in the EU

    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

  • A single pin for all your cards

    You can have the same PIN for all your Danske Bank cards. This way you have to remember only one PIN, making it easier to use cards you only use occasionally. You can order a single PIN for all your cards in Danske eBanking under ‘Cards and currency’ | ‘Card overview’.
  • Have amounts been charged to your account that you do not recognise or have not authorised?

    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.
  • Block and reactivate your card in Danske Mobile Banking

    If you lose your card, you can easily block it in Danske Mobile Banking – and reactivate it if you find it again.

    How to block cards in Danske Mobile Banking

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