Update your information

At Danske Bank, we are very focused on fighting financial crime. As a customer, you will also notice this. Like all other banks, we are under an obligation to be able to document who our customers are and understand how they use our products and services.

We therefore ask you kindly to update the information we have about you.

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Questions and answers

  • Why do you need to answer questions?
    The Danish Anti-Money Laundering Act requires us as a bank to have a solid knowledge of all our customers. This is to help prevent fraudulent use of the financial system.

    Also, by knowing our customers we are able to take action if a customer behaves in an unusual way or if we see that unusual transactions are being made via the customer's account. We are under an obligation to notify the authorities if we suspect that a transaction may be illegal.

    Read more 
  • Do we have the right to ask you for proof of identity?
    Yes, like all other banks, we must be able to provide documentation to the authorities showing that we know who our customers are and understand how they use our products and services. 

    Our obligation to establish and maintain our knowledge of our customers is set out in section 11 of the Danish Anti-Money Laundering Act. You can find section 11 of the Danish Anti-Money Laundering Act below with the relevant parts of the rules underlined.

    The rules do not state specifically which documents we as a bank must require our customers to submit to us. Section 11(1)(ii) of the Danish money Laundering Act states that the bank “[…] must verify the customer's identity information on the basis of documents, data or information obtained from a reliable and independent source”. 

    All banks must therefore themselves assess what documentation they deem sufficient to enable them to comply with the rules of Danish legislation. 
    Danske Bank generally requests that all customers provide us with a copy of a valid photo ID and health insurance card because we believe that this is the most secure way of documenting that the customer is the person that the customer claims to be.
  • What do we need the information for?

    We are required by law to know our customers and to understand how they use our products and services. Consequently, and as prescribed in sections 11 and 30 of the Danish Anti-Money Laundering Act, we need to update the information we have about our customers on a regular basis.

    We always treat all information about our customers in the strictest confidentiality.

    Please remember that we will never ask you for personal passwords, PINs, copies of your NemID or other information that could give access to your Danske eBanking service, Mobile Banking, cards, accounts and e-Boks, for example.

  • Are we permitted to ask these questions?

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

    Our obligation to know our customers is described, for example, in the Danish Executive Order on Good Business Practice for Financial Undertakings and the Danish Anti-Money Laundering Act.

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

    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
    your proof of identity must be valid (i.e. not expired)
    a selfie, portrait photo or the like is not a valid form photo of ID

    Which proof of identity do you need to upload copies of?

    • Your passport or other photo ID, a driver’s licence for example 
    • PLUS your health insurance card of other proof of identity without a photo

    Please see below for a list of types of valid proof of identity.


    If you do not have a valid passport or other type of photo ID

    If you do not have a passport, driver’s licence or other valid photo ID, you must upload copies of three (3) types of proof of identity without a photo.
    Please see below for a list of types of valid proof of identity.

    Valid photo ID 

    • Passport, diplomatic passport, alien’s passport and official (service) passport
    • Driver’s licence issued by an EU, EEA or EFTA (Iceland, Liechtenstein, Norway and Switzerland) country or 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
    • ID card with photo (issued by a Danish citizen service centre (Borgerservice))

    Valid proof of identity without a photo

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

    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’. 

    Please note that

    • your proof of identity must be valid (i.e. not expired)
    • in addition to proof of identity, you must upload proof of address (see below what types of documentation you should upload copies of).
    • a selfie, portrait photo or the like is not a valid form photo of ID

    Which proof of identity do you need to upload copies of?

    • Your passport or other photo ID, a driver’s licence for example 
    • PLUS your health insurance card of other proof of identity without a photo
    • PLUS documentation of your address

    Please see below for a list of types of valid proof of identity and documentation of address.

    If you do not have a valid passport or other type of photo ID

    If you do not have a passport, driver’s licence or other valid photo ID, you must upload copies of three (3) types of proof of identity without a photo – along with documentation of your address.

    Please see below for a list of types of valid proof of identity and documentation of address.

    Valid photo ID 

    • Passport, diplomatic passport, alien’s passport and official (service) passport
    • Driver’s licence issued by an EU, EEA or EFTA (Iceland, Liechtenstein, Norway and Switzerland) country or 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
    • ID card with photo (issued by a Danish citizen service centre (Borgerservice))

    Valid proof of identity without a photo

    • Health insurance card
    • Name certificate
    • Birth certificate
    • Certificate of personal data
    • Most recent annual tax statement from the Danish tax authorities

    Documentation of your address abroad

    The documentation may not date back more than six months and must be written in Latin script. It is important that your full name and address be 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 public 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
  • What will happen if you do not update your information?
    If you receive a letter stating that we need information from you – for example, a copy of your proof of identity, proof of residence or proof of citizenship – and we have not heard from you after some time, we will send you a reminder.

    In the reminder, we will inform you of the deadline (two months from when we send the letter), and we will explain what will happen if we do not receive the information before the deadline.

    If we have your mobile phone number and/or your email address, you will probably also receive a text message and/or an email with a reminder.

    If we do not hear from you, we will again send you a letter informing you of the deadline and explaining what will happen if we do not receive the information.

    If, despite this, we still do not receive the information, we will after a certain period send you a further letter notifying you that we will block your accounts and cards etc. In this letter you can also read more about what specific consequences this will have for you and find instructions explaining what you must do to unblock you accounts and cards etc.

    If you have a mandate to operate another person’s accounts with Danske Bank, and if we do not receive the necessary information from you, your mandate will be changed to a view-only mandate. This means that you will be able to view the accounts which you have a mandate to operate (for example via Danske Mobile Banking and Danske eBanking), but you cannot pay bills, transfer or withdraw money.

    This also applies if someone has a mandate to operate your accounts and does not submit the requested information.
  • Why do I need to update information about my child?

    Like all banks, we are required by the Danish Anti-money Laundering Act to have a solid knowledge of all our customers – including children. Among other things, we must be able to document to the authorities that we know our customers, and that is why we ask all our customers to provide proof of identity.

    Read more

  • Where can I read information about Danske Bank privacy notice?

    We process data about you to provide the best advice and solutions, protect you against fraud and fulfil our agreements with you. 

    Read more

  • Why do we need proof of your address and information about your citizenship?

    Like all other banks, Danske Bank must comply with the Danish Anti-Money Laundering Act (Hvidvaskloven), and we must also comply with our own internal anti-money laundering rules.

    To enable us to achieve this, we need basic knowledge about our customers: Who are they? Where do they live? How and why are they using Danske Bank? This is why we are contacting you and asking you to provide us with the information we need, including proof of your address, details of your citizenship, proof of your identity and similar information.

    We fully understand that this may be an inconvenience and can seem strange if you have been a Danske Bank customer for many years. However, just as security checks at the airport are necessary and make your journey safer, it is also necessary for us to document the identity of our customers to enable us to assist the authorities in preventing financial crime.

    We use the information for a number of purposes, including as documentation and to identify so-called Politically Exposed Persons (PEPs) and individuals with close relations to these people.

    There are also many practical reasons for asking for such information. For example, asking you for proof of your address also helps ensure that we have the correct address when we need to send you a new payment card or similar.

  • Why are we asking for proof of your address when we already have it?
    You may experience that we ask you to provide proof of your address even though we have already registered it in our customer information. This is probably because you live outside Denmark, have a protected (unlisted) address or other similar reason. This means that we do not automatically receive information about your address from the Danish civil registration system and we are therefore unable to receive confirmation of your address from official sources.
  • Are we allowed to block accounts, cards and other facilities if we lack proof of address or information about citizenship?

    At Danske Bank, fighting financial crime in society is one of our highest priorities, and knowledge of our customers is an essential element of our work in this area. By knowing who each individual customer is, we make it difficult for those few individuals who want to commit crime.

    It is our assessment that proof of address, knowledge of citizenship and similar information is absolutely fundamental in enabling Danske Bank to work to prevent financial crime.
    So if there are customers who do not send us the necessary information, we have no option other than to block their accounts, cards, and other facilities until we receive the information we need.

    Blocking accounts and payment cards is always a last resort, and we will make repeated attempts to contact customers from whom we need information before the situation reaches this point.

    If you have a mandate to operate another person’s accounts with Danske Bank, and if we do not receive the necessary information from you, your mandate will be changed to a view-only mandate. This means that you will be able to view the accounts which you have a mandate to operate (for example via Danske Mobile Banking and Danske eBanking), but you cannot pay bills, transfer or withdraw money.

    This also applies if someone has a mandate to operate your accounts and does not submit the requested information.

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