Why are we 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 contact you to update the information we have about you. But just as the security checks at an airport ensure that all travellers can enjoy a safe flight, it is both necessary and in the best interests of us all that we comply with the Know Your Customer rules and regularly update the information we have about you.

Remember to upload your ID in Mobile Banking

Have you received our message regarding uploading your ID in Mobile Banking? If so, go to Mobile Banking to upload. 

 

 

What specifically does this mean for you?

If we do not already have a copy of your proof of identity, we will contact you.

When we contact you, we will tell you what type of proof of identity we need – and how to send it to us.

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We also need to know how you use our products and services.

We need to ensure that the information we have about our customers is always up to date. Consequently, we may contact you to ask you to help us update the information we have about you. Things we may ask about include:

  • Which of our products and services do you expect to use?
  • What are your expectations regarding payments made to and from your account?
  • Do you plan, for example, on making cash deposits to your account or transferring money to other countries?

What will we use the information about you for?

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

  • 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?

All of our customers – both new and existing.

You may be asked to provide proof of identity in various situations, such as when you make a transaction at the cashier’s desk at one of our branches or via a message in Danske Mobile Banking or Danske eBanking.

Questions & Answers

  • Why do you have to provide proof of identity?

    The copy of your proof of identity is used to document to the authorities that we know who you are. This is a requirement of sections 11 and 30 of the Danish Anti-Money Laundering Act. More information (in Danish only) is available from the Danish Financial Supervisory Authority (FSA).

    At Danske Bank, we are focused on combatting 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 can better spot the small number of criminals whose behaviour stands out from the norm.

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

    Yes, we have both the right and a legal obligation to collect the information that is necessary for us to know who our customers are 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.

  • 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 you to help us update the information we have about you – 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, is both necessary and in the best interests of us all that we comply with anti-money laundering legislation and the Know Your Customer rules.

  • 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 and proof of identity using regular email and/or by text message.

    Selfies do not apply as photo ID.

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

    When we contact you, we will tell you what proof of identity you need to send us. 
    The following general instructions are for you if you are aged 18 or older and live in Denmark. 
    If you live outside Denmark, 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 
    • in addition to proof of identity, you must upload proof of adress
    • all proof of identity must be valid
    • selfies do not apply as photo ID

    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

    When we contact you, we will tell you what proof of identity you need to send us. 

    The following general instructions are for you if you are aged 18 or older and live outside Denmark. 

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

    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

    To see what you can use as category 1 and category 2 proof of identity, please go to the box below.

    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

    To see what you can use as category 1 and category 2 proof of identity, please go to the box below.

    Documentation of your address abroad
    The documentation may not date back more than six months and must be using the Latin alphabet. It is important that your full name and address are stated in the document. You can upload one of the following types of document, for example:

    • An account statement from your local bank
    • A document from a local authority in your country of residence
    • A valid rental contract
    • A home utilities bill (electricity, water, heating, gas, broadband, cable TV or insurance)
    • A national ID card issued in your country of residence

    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
  • 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, by telephone – or when you meet us at your branch, for example at a meeting with your adviser.  

    If you have a meeting at the bank, 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 – irrespective of how long they have been customers with us. 

    We will be contacting our customers at different times, and the information we require may differ from one customer to the next. 

    You may experience that we contact you more than once, for example if we need a clearer copy of your proof of identity or if we need to update other information.

  • Why are you being contacted when you have been a customer with us for several 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 help us update the information we have about you. 

    We understand that it can feel like an inconvenience. But just as the security checks at an airport ensure that all travellers can enjoy a safe flight, is both necessary and in the best interests of us all that we comply with the Know Your Customer rules and regularly update the information we have about our customers.

  • How can you be sure that our text messages, emails and telephone calls are not phishing attempts?

    We always recommend that you stay alert to phishing attempts. Remember never to give out personal passwords, PINs, copies of your NemID or anything else that could give someone else access to your Danske eBanking or Danske Mobile Banking service, payment and credit cards, e-Boks or similar.

    Have your received a text message and/or email?

    We are currently sending out text messages and emails to notify our customers that we need important information about them. These text messages and emails DO NOT contain links that you should click. In the message, we only let you know that we need some information and that we have sent a message to you through Danske Mobile Banking or Danske eBanking.

    We include a telephone number that you can call if you have any questions: 70 11 80 40.

    Have you had a phone call from 45 13 02 00?
    We are calling a large number of our customers to get the information we need. The calling number will typically be 45 13 02 00. 

    If you are in any doubt about a telephone number, you can always find our number on the internet.

    When we call our customers, we have a clear policy that we do not ask for a CPR number. However, if you call us – for example after we have left a message on your phone – we may ask you to provide your CPR number so that we can be certain of your identity.

    Messages in Danske Mobile Banking and Danske eBanking

    If you have received a message in Danske Mobile Banking or Danske eBanking, you can safely click any links included in the message.

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