Why are we asking questions and asking for proof of identity?

At Danske Bank, we are very focused on fighting financial crime. As a customer, you will also notice this. Like all other banks in the EU, we are under an obligation to follow what are known as the Know Your Customer regulations, which require that we must be able to document who our customers are and understand how they are using our products and services. 


We understand that it can feel like an inconvenience when we ask you to provide us with proof of identity or when we ask questions about citizenship and tax liability – particularly if you have been a loyal customer for many years. But just as the security checks at an airport ensure that all travellers can enjoy a safe flight, our regular updating of your information and compliance with the Know Your Customer regulations are both necessary and in the best interests of us all.

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Upload a copy of your proof of identity

We will contact you if we do not have a copy of your proof of identity.

Upload ID

 

What specifically does this mean for you?

If we do not already have the following information about you, we will contact you.

  • We require a copy of your proof of identity.
  • We need to know which country’s citizenship you hold.
  • We need to know if you are a politically exposed person (ambassador, judge, minister or other prominent public function) – or whether you are related to such a person.
  • We need to know the country or countries in which you are liable to pay tax, including whether you are liable to pay tax in the United States.

 

 

 

What will we use the information about you for?

When we know you – and all of our other customers – we are better able to:

  • Protect you from the fraudulent activities of others, e.g. when you shop online.
  • Spot criminals who exhibit behaviour that stands out from the norm.
  • Combat money laundering, the financing of terrorism and other financial crime.
  • Assist Danish and foreign tax authorities.

 

Who is required to provide proof of identity and answer questions?

All of our customers – both new and existing – are required to provide proof of identity and answer questions. Some customers are required to confirm information, whereas others will be requested to provide information for the first time.

We will contact you via Danske Mobile Banking, Danske eBanking, by telephone or by letter. If you call us, make a transaction at a desk in one of our branches or come to a meeting with us, we can also talk about the information there.

Upload a copy of your proof of identity

We will contact you if we do not have a copy of your proof of identity.

Upload ID

Q&A

  • Why do you need to answer questions and provide proof of identity?

    At Danske Bank, we focus on protecting you against fraud and identity theft, and we take a targeted approach to combating money laundering, the financing of terrorism and other financial crime.

    When we know every single one of our customers and understand how they are using our products and services, we are able to protect individual customers against fraud and can spot criminals who exhibit behaviour that stands out from the norm. 


    Example:
    One day, a large amount of money is transferred from your account to an account abroad. If we already know that you are a Danish citizen who lives in Denmark and who rarely or never transfers money to accounts abroad, we are able to contact you to find out whether the transfer of money is legitimate.


    As always, all information about you will be dealt with in the strictest confidence. Please be aware that we will never ask you for personal passwords, your PIN, copies of your NemID or anything else that can give access to your Danske eBanking, Danske Mobile Banking, payment cards, accounts, e-Boks or similar.

  • What do we ask about - and what do we use it for?

    1. We ask you to provide a copy of your valid passport, driver's licence or other relevant proof of identity.

    We will use the copy of your proof of identity to document to the authorities that we know who you are. This is a requirement of section 11 and 30 of the Danish Anti-Money Laundering Act. More information is available from the Danish Financial Services Authority (FSA).

    We naturally also use your proof of identity to look after you and your money – not least as a means of protection against identity theft.

    2. We will ask you which country’s citizenship you hold.

    Among other things, we use this information to evaluate whether making transfers to outside Denmark is a typical action for you.

    3. We will ask if you are a politically exposed person or are closely related to such a person.

    A politically exposed person holds a prominent public function, e.g. ambassador, judge or minister.

    We will ask you because we are required by the Danish anti-money laundering legislation to be extra vigilant of our customer relationships with politically exposed persons and their families and business partners.

    4. We will ask where you are liable to pay tax.

    It is a legal requirement that we as a bank identify all customers who are tax residents of a country other than Denmark.

    In addition, we will naturally use the information we have about you to provide you with even better service and advice about your financial affairs.

    As always, all information about you will be dealt with in the strictest confidence. Please be aware that we will never ask you for personal passwords, your PIN, copies of your NemID or anything else that can give access to your Danske eBanking, Danske Mobile Banking, payment cards, accounts, e-Boks or similar.

  • Do we have a legal right to ask you questions and ask for proof of identity?

    Yes, we have both the right and a legal obligation to ask you the questions necessary for us to know our customers and understand how they use our products and services.

    Our obligation to know our customers is described in the following: 

    • The Danish Executive Order on Good Business Practice for Financial Undertakings
    • The Danish Anti-Money Laundering Act
    • FATCA and CRS, which are international laws ratified by Denmark and the EU about the identification of bank customers’ lax liability

    The Danish Financial Services Authority (FSA) acts as the supervisory authority, i.e. ensures that Danske Bank and all other banks adhere to the rules. 

    It is a matter for each individual bank to evaluate which questions/information they deem necessary to enable them to meet the intended requirements of the different laws.

  • Why do we need to ask whether you are a politically exposed person?

    As a bank, we have a major responsibility to ensure that we know our customers and to ensure that the bank is not used for purposes that are in contravention of legislation. All banks in Denmark are subject to Danish anti-money laundering legislation, and we are therefore under obligation to know our customers and understand how they use our products and services. 
    For some customers, we require only a minimal amount of information and the necessary proof of identity documents, but for other customers we are required to ask for more information. 

    Among other things, banks have a particular obligation in relation to customers who hold prominent public functions as well as their families and business associates. In anti-money laundering legislation, such individuals are known as politically exposed persons (PEPs) due to their position and influence in society; because of this, banks are under obligation to ask about the assets and earnings of such customers and to understand how these customers use the products and services of the bank. 

    Please also see the Danish FSA’s guidelines on the rules covering politically exposed persons (PEPs)

    It is a matter for each individual bank to evaluate which questions/information they deem necessary to enable them to meet the intended requirements of the different laws.

  • By asking all of these questions, are we putting our customers under suspicion?

    No. At Danske Bank we trust our customers, and we are in no way trying to cast our customers in a suspicious light. 

    We understand that it can feel like an inconvenience when we ask for proof of identity or ask questions about citizenship – particularly if you have been a loyal customer for many years. But just as the security checks at an airport ensure that all travellers can enjoy a safe flight, our regular controls and our compliance with anti-money laundering legislation and the Know Your Customer regulations are both necessary and in the best interests of us all.

  • Why are you only being asked questions?

    If you are not asked to provide a copy of your proof of identity when we contact you, for example via Danske Mobile Banking or by letter, this is because we already have registered a copy of your proof of identity.

    In such cases, you will only need to answer our questions.

  • How do you send us a copy of your proof of identity?

    When we contact you, we will tell you how to send a copy of your proof of identity to us.

    • You can upload a digital copy via our website, which is a secure connection. Upload proof of identity here.
    • You can bring your proof of identity along to one of our branches, and we will take a copy while you wait.

    We do not advise that you send personal information using regular email.

  • What types of proof of identity do you need to upload? For customers living in Denmark

    These instructions are for you if you are aged 18 or older and live in Denmark. 

    If you live abroad, please go to “What types of proof of identity do you need to upload? For customers living abroad.” 

    Please note that

    • the proof of identity you need to upload depends on how you have been in touch with us regarding proof of identity 
    • all proof of identity must be valid

    Have you just visited one of our branches and agreed with us to upload proof of identity from home?
    If so, please upload the following:

    • Either one type of category 1 proof of identity
    • Or two types of category 2 proof of identity

    Have you received a phone call or a message in Danske Mobile Banking or Danske eBanking asking you to upload proof of identity?
    If so, please upload the following: 

    • Either two types of category 1 proof of identity
    • Or three types of category 2 proof of identity 
    • Or one type of category 1 and one type of category 2 proof of identity.

    Category 1 proof of identity

    • Passport, diplomatic passport, alien’s passport and official (service) passport
    • Driver’s licence issued by an EU, EEA or EFTA country, including Norway, the Faroe Islands and Greenland
    • National identity card issued by an approved country
    • Type C, D or F residence card (front and back in colour)
    • Moped licence
    • Proof of identity card with photo (issued by a Danish citizen service centre)

    Category 2 proof of identity

    • Health insurance card
    • Name certificate
    • Birth certificate
    • Certificate of personal data
    • Your most recent annual tax statement from the Danish tax authorities
  • What types of proof of identity do you need to upload? For customers living abroad

    These instructions are for you if you are aged 18 or older and live abroad. 

    If you live in Denmark, please go to “What types of proof of identity do you need to upload? For customers living in Denmark.” Link to DK question

    Please note that

    • the proof of identity you need to upload depends on how you have been in touch with us regarding proof of identity 
    • in addition to proof of identity, you must upload proof of address (see below)
    • all proof of identity must be valid

    Have you just visited one of our branches and agreed with us to upload proof of identity from home?
    If so, please upload the following:

    • Either one type of category 1 proof of identity
    • Or two types of category 2 proof of identity

    Have you received a phone call or a message in Danske Mobile Banking or Danske eBanking asking you to upload proof of identity?
    If so, please upload the following: 

    • Either two types of category 1 proof of identity
    • Or three types of category 2 proof of identity 
    • Or one type of category 1 and one type of category 2 proof of identity.

    Documentation of your address
    As documentation of your address, you must also upload a copy of one of the following documents (the documentation cannot date back more than six months):

    • A document from the local tax authority
    • A utility bill for gas, water, heating, electricity, broadband, cable TV or insurance
    • A rental contract
    • A letter confirming acceptance into an educational institution
    • An account statement from a bank
    • A national ID card issued by an EU, EEA or EFTA country showing your address

    Category 1 proof of identity

    • Passport, diplomatic passport, alien’s passport and official (service) passport
    • Driver’s licence issued by an EU, EEA or EFTA country – including Norway, the Faroe Islands and Greenland
    • National identity card issued by an approved country
    • Type C, D or F residence card (front and back in colour)
    • Moped licence
    • Proof of identity card with photo (issued by a Danish citizen service centre)

    Category 2 proof of identity

    • Health insurance card
    • Name certificate
    • Birth certificate
    • Certificate of personal data
    • Your most recent annual tax statement from the Danish tax authorities
  • How will we contact you?

    There are different ways that you may be contacted, including by way of a message in your Danske eBanking or Danske Mobile Banking, a letter sent to your e-Boks/home address, by telephone – or when you meet us at your branch, for example at a meeting with your adviser.  

    If you have a meeting booked at the bank in the near future, please remember to bring along your passport or driver’s licence.

    If we telephone you, the calling number will most likely be 45 13 02 00.

    Please be aware that we will never ask you for personal passwords, your PIN, copies of your NemID or anything else that can give access to your Danske eBanking, Danske Mobile Banking, payment cards, accounts, e-Boks or similar.

  • Are we contacting all of our customers?

    All of our customers are required to provide us with proof of identity and answer our questions – irrespective of how long they have been customers with us. 

    However, we already have all the required information for some customers – and they will not be contacted by us – whereas we lack all or partial information from other customers.

    We will be contacting our customers at different times, and the questions we ask will differ from customer to customer.

    You may experience that we contact you more than once if we require you to elaborate on the answers you have provided.

  • Why are you being contacted when you have been a customer with us for many years?

    We are under an obligation to ensure that the information we have about our customers is always up to date. Because of this, you may experience that we will contact you more than once in order to update the information we have about proof of identity, citizenship, tax liability, etc. 

    We understand that this may be an inconvenience – particularly if you have been a good and loyal customer with Danske Bank for many years. But just as the security checks at an airport ensure that all travellers can enjoy a safe flight, our regular controls and our compliance with the Know Your Customer regulations are both necessary and in the best interests of us all.

Do you have any questions?

We are ready to answer any questions you may have.

Please call us on

+45 70 118 040

Weekdays from 8.30am to 5pm