English text

Agreement on online access

This is a translation of an original document in the Danish language. In case of discrepancies, the Danish version prevails. 
By signing this document, you enter into an agreement on
 • electronic signature (Agreement on electronic signature – consumers) 
 • Danske eBanking (Terms and conditions for Danske eBanking – consumers)
You can view and print the agreement in eBanking at all times, and save a copy to your own computer.

1 Elements of the agreement

1.1 Electronic signature (Agreement on electronic signature – consumers)

Entering into this agreement allows you to use your electronic signature to sign agreements with Danske Bank in exactly the same way as if you had signed them by hand.

The agreement gives you access to self-service products offered by Danske Bank and enables you to sign agreements with Danske Bank electronically. If you have given your consent to the exchange of personal data between units in the Danske Bank Group, you can also enter into agreements with other Group companies through Danske eBanking if the individual companies offer this option.

You use your electronic signature with a NemID or the back-up solution. Before you enter into this agreement, you will receive the “Rules on NemID” document. Read more about the NemID rules and the back-up solution in "Terms and conditions for Agreement on electronic signature – consumers". The “Rules on NemID for online banking and the public digital signature" document provides additional information on NemID.
The following terms and conditions apply when you use your electronic signature:

• Terms and conditions for Agreement on electronic signature – consumers
• NemID conditions for online banking and public digital signatures
• General conditions – consumers

1.2 Danske eBanking (Terms and conditions for Danske eBanking – consumers)

Entering into this agreement gives you access to Danske eBanking. Read more about the features of Danske eBanking in “Terms and conditions for Danske eBanking – consumers”.

Danske eBanking is considered an electronic means of communication, which means that we can send information and documents (mail) to you electronically.

The following documents apply to the Access agreement – Danske eBanking – consumers: 

• Terms and conditions for Agreement on electronic signature – consumers
• NemID conditions for online banking and public digital signatures
• General conditions – consumers
• Terms and conditions for Access agreement – Danske eBanking – consumers
• Terms and conditions for transfers to and from Denmark and transfers in foreign currency in Denmark
• Terms and conditions for trading in financial instruments
• Information about trading in financial instruments
• Terms and conditions for custody accounts
• Order execution policy – financial instruments
• List of charges
• Investment commissions

2 Right of cancellation

Under section 17 of the Danish Consumer Agreement Act, you may cancel an agreement on a financial service within 14 days.

Generally, the cancellation period runs from the day you receive the service agreed, provided that you receive the information you are entitled to under the Consumer Agreement Act, including information about your right of cancellation and about the service you have ordered, on the same day. Otherwise, the cancellation period runs from the day you receive the information. The information must be given in writing, for example on paper, in the form of electronic mail or in the list of agreements available in eBanking.

If the last day of a cancellation period falls on a Saturday, a Sunday, a public holiday, 5 June, 24 December or 31 December, you may exercise your right of cancellation on the following weekday.

Your right of cancellation will lapse before expiry of the cancellation period if an agreement has been fully completed by both parties at your express request, for instance if a funds transfer has been completed.

When the cancellation period has expired, agreements may be terminated in accordance with the General conditions – consumers and the conditions applying to the individual agreements.

If you want to cancel an agreement, just call or write to your branch (by e-mail if you prefer) before the cancellation period expires. In addition, you must return the service you have received.

If you do not have the telephone number of your branch, you can always call us at +45 70 12 34 56 . 
If you want proof that you exercised your right in time, you can send your cancellation by registered mail and keep the receipt.

Read more about cancellation rights.

3 Changes to terms and conditions
The “Terms and conditions for Agreement on electronic signature – consumers” and the “Terms and conditions for Danske eBanking – consumers” contain information about how and at what notice Danske Bank may change the terms and conditions.

4 Companies in the Danske Bank Group
In this agreement, the Danske Bank Group is defined as

 • Danske Bank A/S 
 • Realkredit Danmark 
 • Danica Pension, including all insurance companies of the Danica Pension group 
 • home a/s

5 Signing agreements in Danske eBanking
With my electronic signature I accept this agreement and its terms and conditions, including Danske Bank’s General conditions – consumers. Signing this agreement enables me to use

 • my electronic signature (Agreement on electronic signature – consumers) 
 • Danske eBanking (Access agreement – Danske eBanking – consumers)

I have received the agreement in Danske eBanking, and it will appear in Danske eBanking upon signing.
With my electronic signature, I accept the content of the following agreement documents that I have received in Danske eBanking:
Agreement on online access, including General conditions – consumers.
The agreement comprises agreement on electronic signature and access agreement – Danske eBanking.
When I have accepted the agreement, it will be registered by Danske Bank, and the agreement will be binding on both me and Danske Bank.