VISA/DANKORT CARD CONDITIONS

The conditions that apply to Visa/Dankort method of payment. You may overrule the mer- Please note that not all Danish ATMs accept cards are set out below. chant’s where technically possible in ac- the Dankort card. In such case, the withdrawal cordance with the legislation in force. will be made using the Visa part of your card 1 Visa/Dankort card conditions and may thus be subject to a fee. The entries in your account will specify These conditions apply to the use of whether a payment has been completed as a Visa card fees and any amount limits are Visa/Dankort cards in and outside Denmark. Dankort or a Visa transaction. stated in the list of charges. The conditions apply whether the card is used for purchases in a physical shop or for online Please note that international Visa card pay- 2.2 Purchases from merchants purchases. ments may be subject to fees and charges, and You may use your Visa/Dankort card to pay for that the transaction amount is charged to the goods and services provided by merchants ac- The conditions apply to Visa/Dankort cards, monthly spending limit on your Visa card. This cepting the Dankort card and/or the Visa card. both physical cards and any virtual cards in a applies also if you use the Visa part of your

digital wallet. Definitions of terms used are Visa/Dankort card in Denmark (see clause You may also use your card to make online pur- listed at the end of this document. 2.5). chases as well as purchases by mail order and telephone order. You may also use your

København

– 2 Use 2.1 Cash withdrawals Visa/Dankort card to make payments at self- service machines. The Visa/Dankort card is a payment instru- You may use either your Dankort card or your ment that you may use with merchants that ac- Visa card to withdraw cash from ATMs that Dankort and/or Visa logos at merchants or on cept the card in and outside Denmark. accept Dankort cards and/or Visa cards. You websites tell you whether merchants accept CVR no.CVR 12 61 62 28 may also use your card to withdraw cash at the Dankort card and/or the Visa card. If a merchant accepts both Visa and Dankort Danske ’s branches and at most other cards, the merchant may have chosen either in Denmark. A merchant can make a refund into your card Dankort or Visa as the merchant’s preferred account through your Visa/Dankort card.

Danske Bank A/S.

Visa/Dankort Page 1 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

You may not use your Visa/Dankort for illegal will, however, depend on when we receive the 2.7 Gambling and lottery purposes, including purchases of goods or ser- transaction. When you use your Visa/Dankort card at vices considered illegal under local legislation. shops that provide gambling and betting ser- 2.5 Spending limit vices – that is, when you use your card at casi- In connection with Visa card purchases Unless otherwise agreed, purchases and cash nos, for buying lottery tickets, on race courses abroad, you may be asked to choose whether withdrawals may not exceed the current bal- and the like – a daily spending limit may apply. the purchase should be made in the local cur- ance in your account (see clauses 2.6-2.10). The list of charges specifies this limit. rency or in Danish kroner (see clause 18.4 for further details). 2.6 or card in a digital 2.8 Cash withdrawals wallet Visa/Dankort cards are subject to a daily cash 2.3 Approval of account transfers via Danske When you use contactless payment or a digital withdrawal limit. The amount is stated in the Bank’s ATMs wallet (for example your Dankort card on your list of fees and charges. You may use your card to approve account mobile phone), an amount limit determines transfers made via Danske Bank’s ATMs to ac- whether you need to enter your PIN. For infor- 2.9 Visa – spending limits counts with Danske Bank and to accounts with mation on the amount limit, please visit dans- Your Visa card is subject to an overall limit on

other banks in Denmark. kebank.dk. The amount limit may change. You purchases and cash withdrawals over a 30-day will receive notification if the limit is raised or period. Within this overall limit, maximum

København

– 2.4 Debits to your account lowered more than 50% within a calendar amounts apply to per day cash withdrawals As a general rule, purchases and cash with- year. from banks and ATMs. The list of charges drawals (transactions) made using your specifies these limits. Dankort card are debited to your account on If the transaction exceeds the current amount the day you use the card. Visa card transac- limit, you will automatically be asked to author- 2.10 Miscellaneous

CVR no.CVR 12 61 62 28 tions will be entered the day after the purchase ise the payment by entering your PIN. At regu- The individual merchant may set limits for use or cash withdrawal at the earliest. The time at lar intervals, you will be asked to enter your of the card. which the amount is debited to your account PIN even if the amount does not exceed the ap- plicable amount limit.

Danske Bank A/S.

Visa/Dankort Page 2 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

Some banks and ATMs may set limits specify- The Dankort card may be registered only with You can use your Visa/Dankort card in the fol- ing the maximum amount of cash you may with- loyalty programmes that have been approved lowing ways: draw. You may have to pay a fee every time you by Nets. Go to this website to see the loyalty withdraw cash regardless of the amount with- programmes that have been approved: Reading/checking of data on the card via chip drawn. http://dankort.dk/Pages/Loyalitetskort.aspx or magnetic strip and PIN.  Using the chip or magnetic strip and signa- 2.11 Card in digital wallet with spending limit 3 Visa/Dankort card use ture You may allow others, for example your child,  Using the contactless payment function to pay using your Visa/Dankort card as a vir- 3.1 Payment  Using the wallet – for instance Dankort card tual card in a digital wallet (for example a Before you authorise a payment or cash with- on your mobile phone Dankort card on a mobile phone) subject to drawal, you must always check that the  Using the chip or magnetic strip but not the special limitations. amount is correct. Payments that you have au- PIN at self-service machines thorised cannot be revoked. See, however, This is done via special mobile phone apps with clauses 8 and 9 regarding the possibility of re- By entering information from the card (for ex- which you can set up a payment option that versing a payment. ample in connection with online purchases

uses your Visa/Dankort card and define spend- where data cannot be read digitally) ing limits. When you have set up the card, the You should always make sure to get a receipt  By registering the card number, expiry date

København

– person in question can use his or her mobile for your transaction (in certain self-service ma- and card validation code (typically, where phone to pay for purchases at merchants. chines, however, you may not get a receipt).You you enter the information yourself) must make sure that the amount matches the Information on how to set this up and user in- amount of the purchase or cash withdrawal By registering card data in advance, for in- structions are given in the app. and that the date is correct. You should keep stance for

CVR no.CVR 12 61 62 28 your receipt until you have verified that the cor-  agreements with individual merchants to 2.12 Loyalty programmes rect amount has been debited to your account register card data for use in connection You can register the Dankort card and the Visa (see clause 7). with future purchases approved and initi- card for various loyalty programmes. ated by you

Danske Bank A/S.

Visa/Dankort Page 3 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

 subscriptions under which the merchant When you use your Visa/Dankort card to hire a An amount limit applies to each transaction charges amounts according to specific car or pay for hotel accommodation, for exam- made without entering your PIN (see clause agreement with you ple, you will often be asked to sign a receipt 2.5).  agreements with providers of a digital wal- that allows the car hire company or the hotel to let in which you register your card data for subsequently debit additional amounts. You At regular intervals, you will be asked to ap- use in connection with future purchases ap- must keep in mind that signing a receipt may prove the payment by entering your PIN even if proved and initiated by you allow the car hire company or the hotel to debit the amount does not exceed the current limit additional amounts to your account (see clause for purchases made using the contactless pay- When you enter your PIN, you must make sure 8). ment function. that no one else can see the combination. Merchants such as car hire companies and ho- 3.3. Dankort card on your mobile phone and Never sign a receipt if the amount is not stated tels can also reserve an amount through your virtual cards in digital wallets or if the amount is incorrect. card to cover the final invoice in full or in part. You may connect your Visa/Dankort card to an A merchant may reserve only the amount for app on your mobile phone and use this function If you notice that a merchant issues more than which you have given your consent. to pay with your Dankort card for example

one receipt stating your card details, you must (Dankort card on your mobile phone). You can make sure that any unsigned receipts are de- 3.2 Contactless payment see a list of approved digital wallets on the

København If your card allows contactless payment, you – stroyed. Dankort website: can make purchases at merchants offering http://dankort.dk/Pages/Dankort-i-apps.aspx If you authorise a merchant to debit an addi- that service. Contactless payment terminals tional amount (a service tip, for example) to allow you to use the card without inserting it You can register your Dankort card in all ap- your Visa/Dankort card, you must ask for a re- into the . Instead, you accept proved wallets that are open for Danske Bank-

CVR no.CVR 12 61 62 28 ceipt for the full amount. payment by holding the card close to the termi- issued Dankort on your mobile phone. Registra- nal (at a distance of 0-3 cm). Terminals with a tion takes place by use of your NemID (or simi- contactless function bear the following symbol: lar security feature). In the app, you can regis-

Danske Bank A/S. Visa/Dankort Page 4 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

ter the physical card you wish to use for pay- 3.5 Use of card number, expiry date and card Go to the Dankort web- ments. Furthermore, you will be asked to validation code site,http://dankort.dk/Pages/Dankort-i- choose a personalised security feature, for ex- You must enter the card number, expiry date apps.aspx, to see which digital wallet providers ample a PIN, to be used if a purchase made and card validation code to trade online. and unique device IDs have been approved. with your Dankort card on your mobile phone, for example, requires you to use a personalised If the merchant uses Verified by Visa/Visa Se- You can agree with a merchant that the mer- security feature. cure or Dankort Secured by Nets, the special chant will keep a record of your card data for rules in clause 6 apply. future payments of a subscription or other re- Information and guidelines on setup and use curring purchases. The merchant automati- appear from the chosen digital wallet. There To make purchases by mail or telephone order, cally debits the agreed payments to your ac- may be limits to how many times you can link you must state the card number, expiry date, count, and you will thus not be required to ap- the physical Dankort card to your mobile card validation code and, if required, your name prove each individual payment. When you use phone. and address. When you make a purchase by your card data in this way, please ensure that mail order, you must also sign the order form. you can terminate the subscription again and You cannot use Dankort card on your mobile note the conditions that apply.

phone for purchases online, by mail order and Never disclose your PIN or similar personal- telephone order. ised security feature in any of the above trans- If your card is replaced, you must update your

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– actions. card information with merchants who have 3.4 Self-service machines without PIN your card data on record and whom you wish At certain self-service machines, you can use 3.6 Advance registration of card data to continue to be able to pay without being re- your Visa/Dankort card without entering your You can register your card data with a specific quired to approve the transactions. This will PIN or signing a receipt. In such machines, you merchant or with a provider of a digital wallet not happen automatically.

CVR no.CVR 12 61 62 28 accept the transaction when your so that you will not have to enter your card Visa/Dankort card is read by the machine or data when approving future online purchases. when you subsequently press the button to ap- You must follow the instructions provided by prove the transaction. the merchant or the wallet provider.

Danske Bank A/S.

Visa/Dankort Page 5 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

4 Protection of your Visa/Dankort card and If you are unable to memorise your PIN or want 6 Secure online payments PIN to keep evidence of it, you must store it in a safe place. If you need to write down your PIN, Verified by Visa/Visa Secure and Dankort Se- 4.1 Card use the PIN memoriser that you have received cured by Nets offer extra protection against Your card is personal and may be used only by from us or get one from one of our branches. unauthorised use of card data in connection you. When you receive your card, you must im- with online purchases. mediately sign it in the signature field on the If you suspect that others have had to back. You may not hand over or give the card to your personalised security feature, please con- Verified by Visa/Visa Secure and Dankort Se- other persons. tact us immediately. cured by Nets are normally used when you This also applies to a Dankort card on your mo- 5 Authorisation to use your account shop online. In some cases, the merchant may bile phone. See, however, Virtual card in digital If you want another person to be able to use have chosen not to use Verified by Visa/Visa wallet with spending limit. your account for Visa/Dankort card transac- Secure and Dankort Secured by Nets. 4.2. Personalised security feature tions, that person must be authorised to oper- Your personalised security feature, for exam- ate your account and must have his or her own In certain circumstances, Danske Bank is re- card with his or her own personalised security quired to reject your payment if Verified by ple your PIN, is personal and may be used only by you. You will automatically receive a PIN for feature/PIN. The cardholder is subject to the Visa/Visa Secure or Dankort Secured by Nets your card. When you receive your PIN, you same conditions as those you must observe. has not been used.

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– must check whether others may have had ac- cess to it. However, special conditions apply to Dankort When you shop online with merchants using card on your mobile phone with spending limit. Verified by Visa/Visa Secure and Dankort Se- Memorise your PIN and subsequently destroy See clause 2.10. cured by Nets, you will be asked to enter a one- the letter. Do not keep your PIN with your card If you want to cancel the cardholder’s access time password, which you will receive from CVR no.CVR 12 61 62 28 or write it on your card. Also do not save the to your account, he or she must return the Nets by text message when you have entered PIN on or together with your mobile phone. card to us, and you must cancel the authorisa- your card details, and a password created by tion in writing. you.

Danske Bank A/S.

Visa/Dankort Page 6 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

Alternatively, you can use your NemID with the 6.2 Security – card, code and telephone or that you believe that you have not made, you NemID code app to authorise the payment. Since your mobile phone is an element of the must contact us as soon as possible. In this This applies, for example, if your mobile num- added protection offered by Dankort Secured connection, you must be aware of the deadlines ber is not registered with us or your mobile by Nets or Verified by Visa when you shop stated in clauses 8 and 9. number has changed (see clause 6.1). online, you must make sure that others do not have and cannot get access to both your card In connection with the regular checking of your 6.1 How to register and your mobile phone. We therefore recom- account entries, you must be aware that when When you receive your new card, it will auto- mend that you use a code to access your mo- you use your card to make online purchases or matically be registered with Verified by bile phone. purchases by mail order or telephone order, Visa/Visa Secure and Dankort Secured by the merchant may generally not debit the Nets. If you lose the mobile phone on which you re- amount until the goods have been dispatched. ceive one-time passwords, you must When booking, for example, plane tickets or Danske Bank will use the mobile number that change/deregister the phone number as concert tickets, the merchant will, however, you provided to us to send you the one-time quickly as possible. If you also lose your card, debit the amount already when you book the password. If you change your mobile number, you must block it (see clause 10). flight or concert ticket.

please update your information on dans- kebank.dk/betalsikkert. You must keep your code secret. If you think 8 Reversal of authorised payments

København

– that someone other than you knows your code, If you have not registered your mobile number you must change it at .eu/3ds. 8.1 If you did not know the final amount when with us, you can also register it with Nets using authorising a payment your NemID. 7 Account entries If you did not know the final amount when you authorised the payment, and the amount sub-

CVR no.CVR 12 61 62 28 You must create your password on Nets' web- You have an obligation to check the entries on sequently debited to your account is considera- site at nets.eu/3ds. You log in using your your account on a regular basis. If, when check- bly higher than you could reasonably expect, NemID or by requesting a one-time password, ing your account entries, you discover any you may be entitled to a reversal of the pay- which will be sent to you by mail. transactions that do not match your receipts, ment. This may, for example, be the case if you

Danske Bank A/S.

Visa/Dankort Page 7 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

hire a car or check out of a hotel, where you  the merchant has charged a larger amount your account. If your complaint subsequently have authorised the merchant to debit your to your card account than agreed proves to be unjustified, we will once again card, for example for refuelling the vehicle or  the goods or services ordered have not withdraw the amount from your account. restocking the minibar. been delivered  you exercise your statutory or agreed right If we find your unjustified, we are enti- If you believe that you are entitled to revoke a of cancellation before the goods or services tled to charge interest from the date the payment, you must contact us no later than have been delivered amount was deposited in your account to the eight weeks after the amount was charged to date it was withdrawn. We may also charge a your account. Before contacting us, you should first try to fee for ordering copies of relevant receipts solve the problem with the merchant. You must (see the list of charges). 8.2 Purchases online, by mail order and tele- be able to document that you have contacted phone order, etc. or tried to contact the merchant. These conditions apply irrespective of whether If you have used your card to buy goods or ser- you have used your physical card, your card in vices You must submit your dispute to us as soon a digital wallet or via a digital wallet.  online possible, and, if possible, not later than two

 by mail or telephone order weeks after you discovered or should have dis- 8.3 Revoking payments made in connection  in other situations where the card is not covered that one or more amounts had been with distance marketing (such as online shop-

København

– read but where card data and the personal- fraudulently debited to your account. When we ping) ised security feature (for example one-time assess whether you have contacted us in due The situation may differ depending on whether password, NemID or the like) was used to time, we attach importance to your duty to reg- payment was made with your Dankort or Visa complete the transaction ularly check entries in your account (see card. You can obtain information about this at  at self-service machines where your PIN is clause 7). danskebank.dk/indsigelse.

CVR no.CVR 12 61 62 28 not required We will subsequently investigate your dispute. you may be entitled to have a payment re- While your dispute is being investigated, the versed if disputed amount will normally be credited to

Danske Bank A/S.

Visa/Dankort Page 8 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

9 Reversal of unauthorised payments the amount was deposited in your account to When a card has been blocked, you will be in- the date on which it was withdrawn. We may formed about why and when the card was If you believe that your Visa/Dankort card has also charge a fee for ordering copies of rele- blocked. been used for one or more unauthorised pay- vant receipts (see the list of charges). ments, you must contact us as soon as possi- If you lose your card but find it again, you must ble. 10 Your duty to block your card contact us to find out what to do. Card When we assess whether you have contacted You must contact us as soon as possible to Please note that if your card is blocked, you us in due time, we attach importance to your have your card blocked if cannot use it in wallets. duty to regularly check entries in your account  you lose your card (see clause 7). In any case, you must contact  someone else knows your personalised se- Cards in wallets us within 13 months of the amount having curity feature  As with the physical card, you must also been debited to your account.  you discover unauthorised use of your card block your virtual card on your mobile We will subsequently investigate your dispute.  you suspect that your card has been copied phone if you lose your phone, or if While your dispute is being investigated, the  you suspect potential unauthorised use of  you become aware of unauthorised use of

disputed amount will normally be credited to the card your virtual card on your mobile phone, or your account. If your complaint subsequently  you otherwise suspect that a card in your

København

– proves to be unjustified, we will once again In Danske eBanking and Danske Mobile Bank- wallet may have been used without your au- withdraw the amount from your account. ing, you can block your card immediately. thorisation.

If the investigation shows that there was unau- If you do not have Danske eBanking or Danske You can block your card by calling us on tel. thorised use of the card by other parties, we Mobile Banking, please contact us on tel. +45 +45 70 123 456 (open 24 hours a day). When

CVR no.CVR 12 61 62 28 may hold you liable for this (see clause 11). 70 20 70 20 (open 24 hours a day). When you you call, state your name and address and, if call, state your name and address and, if possi- possible, your card and account number or If we find your dispute unjustified, we are enti- ble, your card and account number or CPR CPR number. tled to charge interest from the date on which number.

Danske Bank A/S.

Visa/Dankort Page 9 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

When a virtual card in a digital wallet on your also used your personalised security feature, that there was a risk of unauthorised use, mobile phone has been blocked, you will be in- you may be liable to pay up to DKK 375 of the or formed of why and when the card was blocked. total loss.  you made the card abuse possible through gross negligence. If your mobile phone with a blocked card is In case of unauthorised use of more of your found again, please contact us to agree on cards with the same personalised security fea- Your total liability cannot exceed DKK 8,000. what you should do. ture (for example the PIN) in connection with the same incident, you may be liable to pay up Your total liability is limited to DKK 8,000 if If someone else finds out the PIN for your mo- to a total of DKK 375. It is a condition, how- two or more of your cards for which you have a bile phone or the digital wallets in which your ever, that you block all cards at the same time. single PIN have been used fraudulently in the card is registered, you must change the PIN This applies to cards issued by Danske Bank. same incident. However, this requires that all immediately. Follow the instructions in your cards with the same PIN are blocked at the digital wallet and contact us for further infor- You must cover losses up to DKK 8,000 if your same time. This applies to cards issued by mation about what you should do. Visa/Dankort card has been subject to unau- Danske Bank. thorised use by another person and your per-

11 Your liability in case of unauthorised use sonalised security feature has been used, and You are liable for the full loss if your PIN has  you failed to notify us immediately after you been entered in connection with the unauthor-

København

– If your Visa/Dankort card has been subject to discovered that your card or your mobile ised use of your card in the following circum- unauthorised use by another person, Danske phone with the card in a digital wallet was stances: Bank covers the loss unless the circumstances lost or that another person had found out of the loss fall within those listed in clause 11. your personalised security feature, or  You willingly gave the personalised security In such cases, Danske Bank has the burden of  you knowingly disclosed your personalised feature information to the person who used

CVR no.CVR 12 61 62 28 proof. security feature to the person who used your Visa/Dankort card without authorisa- your card without authorisation, while you tion In case of unauthorised use of your did not and could not be expected to realise  You should have realised that there was a Visa/Dankort card by another person who has risk of unauthorised use.

Danske Bank A/S.

Visa/Dankort Page 10 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

You are also liable for the full loss if you have Furthermore, you are not liable for unauthor- 12 Danske Bank’s rights and liability committed fraud or have deliberately failed to ised use of the card if this is attributable to ac- fulfil your obligations under these conditions. tions by Danske Bank’s employees, agents or 12.1 Notification to you in case of unauthor- Your obligations include keeping your card and branches or by an entity to which Danske ised use and security threats mobile phone safe, protecting your personal- Bank’s activities has been outsourced or due ised security feature (for example, the PIN) to such entity’s lack of action. We contact you if we suspect or discover unau- (see clause 4), and blocking your card (see thorised use of the agreement. We also contact clause 10). Danske Bank’s liability for your loss is as stipu- you if we become aware of any potential security lated in the Danish Payments Act (Lov om be- threats. We contact you in a safe way, for exam- If you have several cards with the same per- talinger) if the payee knew or should have ple by sending a message in Danske eBanking, sonalised security feature, the unlimited liabil- known that this was a case of unauthorised Danske Netpost or e-Boks, by email or by tele- ity applies to each card which has been subject use of the card. phone. to unauthorised use. Danske Bank is also liable as stipulated in the 12.2 Danske Bank’s right to block your You are not liable for losses arising after we Danish Payments Act if you incur a loss as a Visa/Dankort card

have been asked to block your card. consequence of unauthorised use where We are entitled to block your Visa/Dankort Moreover, you are not liable for losses if you Danske Bank does not require use of a person- card if

København

– are unable to block your card because of condi- alised security feature, unless you have acted  your card account is closed, or tions for which we are responsible. fraudulently.  you violate these conditions, or your card You are only liable for loss resulting from other account shows an excess, or You are also not liable if the loss, the theft or persons’ unauthorised use of the card if the  your Visa/Dankort card has been subject to the unauthorised acquisition of the personal- transaction is correctly recorded and entered unauthorised use or is suspected of having

CVR no.CVR 12 61 62 28 ised security feature could not be detected by in the accounts of Danske Bank. been subject to unauthorised use by a third you prior to the unauthorised use. party

Danske Bank A/S.

Visa/Dankort Page 11 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

In case of an excess, we will send you a written Danske Bank will not be liable for losses aris- Danske Bank is not exempt from liability if reminder before we block your card. Immediate ing from:  Danske Bank ought to have foreseen the blocking may be necessary, however, if the ex-  breakdown of or lack of access to IT sys- cause of the loss when the agreement was cess is substantial and/or if you have repeat- tems or damage to data in these systems concluded or ought to have avoided or over- edly overdrawn your account. due to any of the factors listed below and come the cause of the loss regardless of whether Danske Bank or a  under Danish law, Danske Bank is liable for We may also demand that all cards issued for third-party supplier is responsible for the the cause of the loss under any circum- the card account be returned. operation of these systems stances  power failure or a breakdown of Danske When we have blocked your Visa/Dankort Bank’s telecommunications, legislative or 12.5 Industrial conflicts card, we will send you a letter stating the rea- administrative intervention, acts of God, You cannot use your Visa/Dankort card in Den- son for and the time of the blocking. war, revolution, civil unrest, sabotage, ter- mark if Danske Bank and/or our operational We can contact you by telephone or in another rorism or vandalism (including computer vi- centres are involved in an industrial conflict. safe way, if we suspect that your card has been rus attacks or -hacking) You will be informed as soon as possible used fraudulently or in the event of unauthor-  strikes, lockouts, boycotts or picketing, re- through the Danish daily press of the beginning

ised use or security threats. gardless of whether Danske Bank or its or- and conclusion of such conflict. ganisation is itself a party to or has started

København

– 12.3 Card replacement such conflict and regardless of its cause You cannot expect to use your Visa/Dankort We are entitled to replace your card at any (this also applies even if the conflict affects card outside Denmark if one or more of Danske time. only part of Danske Bank) Bank’s operational centres and/or one or more  other circumstances beyond Danske Bank’s of the our international business partners be- 12.4 Danske Bank’s liability control come involved in an industrial conflict. When

CVR no.CVR 12 61 62 28 Danske Bank is liable for the tardy or defective industrial conflicts occur outside Denmark, you performance of its contractual obligations re- can still use your Visa/Dankort card in Den- sulting from error or negligence. Even in those mark. areas in which a stricter liability applies,

Danske Bank A/S.

Visa/Dankort Page 12 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

12.6 Defective goods or services any fees that you may have paid in advance for having notified you of changes to these card Danske Bank is not liable for defective goods or use of the card. conditions. services provided by a merchant. Any com- plaints concerning faults or defects in the ser- You may terminate the agreement at one Changes to the card conditions will be re- vices provided must be addressed to the mer- month’s notice. If you terminate the agreement garded as having been accepted unless, before chant. before the end of the first six months, we may the changes take effect, you inform us that you charge a termination fee. do not wish to be bound by the new conditions. 13 Expiry If you terminate or Danske Bank terminates If you inform Danske Bank that you do not wish You may use your card until the expiry date the agreement, you must return your card to to be bound by the new conditions, the agree- stated on the card. On expiry, your card will be us. If you return the card by post, you must cut ment will be regarded as having been termi- invalid. Dankort card on your mobile phone ex- it in half before sending it. nated as from the date on which the new condi- pires at the same time as the card to which it tions take effect. If you have paid a year’s fee in is linked. 15 Changes to the card conditions advance, you will be reimbursed a proportion- ate share of the fee.

You will receive a new card before your exist- We may make changes to these conditions and ing card expires. We may also inform you that the list of fees and charges without notice if the 16 Complaints

København

– you can pick up your new card at one of our changes are to your advantage. If the changes branches. are not to your advantage, we must give you two You should always contact your branch in case of months’ notice. a disagreement on a business matter. You are 14 Termination also welcome to call us at +45 33 44 00 00, the We notify you of changes by letter or digital line is open on all days. In this way, we make sure

CVR no.CVR 12 61 62 28 We may terminate the agreement at two message. You must inform us of any changes that such disagreement is not based on a misun- months’ notice. In the event of termination, you in your postal and/or e-mail address. If you fail derstanding. will be reimbursed a proportionate share of to do so, you cannot hold us responsible for not

Danske Bank A/S.

Visa/Dankort Page 13 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

If you still disagree with or are dissatisfied with duty of disclosure in connection with the provi- 17 New copies of card conditions the outcome, you must write to our Legal Depart- sion of payment services, rights and obligations ment, which is in charge of handling customer for the use of payment services, use of payment If you need a new copy of these card condi- complaints at Danske Bank. data and information on fees. The Danish Compe- tions, please contact your branch. tition and Consumer Authority supervises rules The address is on fees in general. 18 Fees and currency conversion

Danske Bank The Danish Consumer Ombudsman 18.1 Danske Bank’s fees and charges Legal Department The National Consumer Agency of Denmark Any fees are specified on danskebank.dk. It is Holmens Kanal 2-12 Carl Jacobsens Vej 35 also stated when they are charged and DK-1092 København K DK-2500 Valby whether or not they are charged in advance. [email protected] If you are dissatisfied with the outcome, you may 18.2 The merchant’s fees submit a complaint to If you want to complain because your card has When you use your Visa/Dankort card abroad been blocked, you must contact your branch. If or to make online purchases from a merchant

The Danish Financial Complaint Board (Det finan- your complaint is rejected, you may complain abroad, the merchant may charge a fee. sielle ankenævn) to the Danish Data Protection Agency at the

København

– Store Kongensgade 62, 2. following address: 18.3 Exchange rates DK-1264 København K Purchases and cash withdrawals made abroad Tel. +45 35 43 63 33 Datatilsynet are converted into Danish kroner, see the list www.fanke.dk Borgergade 28, 5. sal of fees and charges. The amount will always be DK-1300 København K debited to your account in Danish kroner.

CVR no.CVR 12 61 62 28 You may also submit a complaint to the authori- Conversion of foreign currencies to Danish kro- ties supervising Danske Bank’s compliance with ner is based on an average exchange rate calcu- the Danish Payments act. The Danish Consumer lated on the basis of Visa exchange rates for all Ombudsman supervises compliance with the the transactions made on the day in question in

Danske Bank A/S.

Visa/Dankort Page 14 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

the same currency Danske Bank’s exchange 18.4 Currency conversion by merchants date of use and location of use etc. to be per- rate margin. See Visa exchange rates at abroad (Dynamic Currency Conversion) sonal data. www.nets.eu/valutakurser. If you use your card abroad, the merchant may offer to convert the amount into Danish kroner Processing of information about you is done An exchange rate may change from the time before the payment transaction is processed. solely for purposes necessary for you to use you use your Visa/Dankort card until the Before you accept this conversion, the mer- the card as agreed, including completion of amount is charged to your account. Some chant must inform you of any fees and the ex- transactions. The data is processed in accord- countries, mainly outside Europe, may operate change rate that will be used for the conver- ance with applicable data protection legisla- with several official exchange rates, depending sion. tion, including the General Data Protection on the source of the exchange rate. Regulation (Regulation (EU) 2016/679 of the You should be aware that the exchange rate European Parliament and of the Council). When you have used your card for a purchase that the merchant uses may differ from the ex- or to withdraw cash in an EEA currency other change rate that we use, and that we do not The data is retained by the merchant, the mer- than Danish kroner you will receive a text mes- have any influence on the exchange rate used chant’s bank and the bank’s data supplier (for sage from Danske Bank informing you of our by the merchant. example Nets) and retained by us for

mark-up. bookkeeping, account specifications and any 19 Credit assessment subsequent correction of errors. When you The text message is sent the first time you

København

– use the Visa part of your Visa/Dankort card, make a payment in an EEA currency and subse- We will assess your financial position before data for processing your payment will also be quently at least once a month if you use the issuing a Visa/Dankort card to you. retained by Visa Inc. Visa Inc. is obligated to re- card for payments in an EEA currency. tain and process the data in accordance with You can unsubscribe from text messages by 20 Consent to use, retain and disclose data the European Union’s General Data Protection

CVR no.CVR 12 61 62 28 sending a text message with the text On acceptance of these conditions and use of Regulation. “STOPCCY” to 3326We will then no longer the Visa/Dankort card, you consent to our pro- send the text messages. cessing your personal data. When you use the card, we consider the card number, amount,

Danske Bank A/S.

Visa/Dankort Page 15 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

Data is disclosed only for processing of trans- or to 23 Definitions actions when required by law or to prevent un- authorised use of the card. The data is retained Datatilsynet Business day: A business day is a weekday. for the current year plus the following five Borgergade 28, 5. sal Saturdays, Sundays, public holidays, Friday af- years. DK-1300 København K ter Ascension Day, 5 June, 24 December and 21 Registration of blocked Visa/Dankort card 31 December are not business days. When you register for Dankort Secured by Dankort card on your mobile phone: A virtual Nets and Verified by Visa/Visa Secure, your If your Visa/Dankort card is blocked (see version of the Dankort part of your mobile phone number will be disclosed to and clauses 10 and 12), your card number will be Visa/Dankort card that can be linked to a wal- retained by Nets in order for Nets to be able so included in the Danish banking sector’s regis- let on your mobile phone. send you one-time passwords. ter of blocked Dankort and Visa/Dankort cards. Blocked Visa/Dankort cards may also appear You can withdraw your consent to our pro- on Visa’s list of blocked cards. Dankort card on your mobile phone with cessing your personal data at any time by con- spending limit: tacting us. If you withdraw your consent, please The joint register of Dankort cards is available Dankort card on your mobile phone with a

note that you will no longer be able to use the to banks and merchants accepting spending limit solution under which the card- card. Visa/Dankort cards and allows them to check holder links a spending limit to a virtual card

København

– whether cards used for payment transactions and gives someone else (typically a child) ac- If you are dissatisfied with our processing of are blocked. cess to use the virtual card within the limit. your personal data, you may submit a com- The cardholder sets the limit for use of the vir- plaint to 22 Supervision tual card. Danske Bank Danske Bank is subject to supervision by the

CVR no.CVR 12 61 62 28 Legal Department Danish Financial Supervisory Authority and is A maximum limit for use set by Dankort (Nets) Holmens Kanal 2-12 registered in the Danish Financial Supervisory will always apply. For payment purposes, the DK-1092 København K Authority’s register with registration number virtual card with a spending limit works in the 3000.

Danske Bank A/S.

Visa/Dankort Page 16 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

same way as the Dankort card on your mobile Single PIN: The same personal and secret PIN NemID NemID is a digital signature. We distin- phone. linked to several cards. guish between bank NemID and OCES NemID, but you can use both to register for Dankort Dankort Secured by Nets: Dankort Secured by Loyalty programmes: Loyalty programmes is a Secured by Nets and Verified by Visa. Nets is a solution that offers extra protection collective term used for solutions in which the of customer data in online transactions. cardholder can register his or her card with a Nets: Nets Denmark A/S – the company that provider of a loyalty programme and subse- owns Dankort. Digital wallet: A digital wallet is a personal quently, when using the card, earn bonus software-based solution in which you register points, etc. or contribute to a charitable cause. Personalised security feature: your card details for use in connection with fu- Personalised elements made available to you ture online purchases from a merchant. Merchant: All shops, hotels, restaurants or as the card holder in order to authenticate you. other outlets accepting Dankort and Visa A personalised security feature may be a PIN, Dynamic currency conversion: Used by some cards. a code for a digital wallet, a fingerprint, face merchants so that you can pay in Danish kro- recognition or the like. Dankort Secured by ner abroad. The merchant performs the cur- Contactless payment: Contactless payment is Nets and Verified by Visa/Visa Secure are con-

rency conversion, and we have no influence on payment using the card chip without having to sidered to be personalised security features. the exchange rate used. insert the card into the terminal. You can

København

– simply hold the card within 0-3 centimetres of PIN: The personal and secret number that is One-time password: A password that you re- the contactless payment symbol on the card linked to your card. And the personal confiden- ceive by text message on the registered mobile terminal to make a payment. tial code, you chose for your Dankort card on phone. You must use the password for future your mobile phone. purchases from merchants that use the Card: The physical card

CVR no.CVR 12 61 62 28 Dankort Secured by Nets and Verified by Visa List of charges: The list of fees and other solutions. Receipt: A statement on paper or in electronic charges applicable at any given time. You may form specifying the details of a payment. obtain a copy of the list of fees and charges

Danske Bank A/S.

Visa/Dankort Page 17 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

from Danske Bank’s branches. Verified By Visa/Visa Secure: Verified by Visa/Visa Secure is a solution offering added Reference exchange rate: An exchange rate protection of customer data in online transac- used for translating non-Danish payments into tions. Danish kroner. Visa: The organisation laying down the interna- SSL: SSL is short for Secure Sockets Layer. tional rules for the Visa system. SSL is an encryption standard used to protect data during online transmission. Visa/Dankort card: A collective term for the physical card with Visa and Dankort logo, re- Transaction: A cash withdrawal or a single spectively. purchase in a physical store, online shop or the like. Wallet provider: A provider of a wallet for use for Dankort card on your mobile phone. Unique device ID: Unique device ID is used in

payment software which is security- approved Wallet: A personal software-based solution al- according to the PCI standard and in which the lowing you to store your Dankort card or other

København

– card holder may store parts of his or her card virtual cards on your mobile phone. The wallet information. is an app you can download to your mobile phone. When you want to pay in an online shop, you can retrieve saved card data so that you are Applicable from 27 September 2021

CVR no.CVR 12 61 62 28 required to enter only the card validation code (CVC/CVV) on the back of your payment card to approve the transaction.

Danske Bank A/S.

Visa/Dankort Page 18 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

The Danish Act on Payments and not affected by technical failure or other er- under subsections (3) to (5) hereof if the transac- rors, see, however, subsection (3). In connection tion was accurately recorded and entered in the Liability rules with the use of a payment instrument, the pro- accounts, see, however, subsection (2). vider furthermore has to prove that the payment instrument’s personalised security feature was (2) However, the payer is liable without limita- 97. Disputes relating to unauthorised or incor- used in connection with the payment transaction. tion with respect to any loss incurred due to the rectly executed payment transactions must be payer acting fraudulently or wilfully failing to fulfil received by the provider as soon as possible and (2) If a payer denies having authorised or initi- his obligations under section 93. not later than 13 months after the debit date of ated a payment transaction, the recorded use of the relevant payment transaction. The deadline is a payment instrument is not in itself proof that (3) Except where subsections (4) and (5) calculated from the time at which the provider the payer authorised the transaction, that the hereof provide for more extensive liability, the has communicated this information or made it payer acted fraudulently or failed to fulfil his obli- payer is liable for an amount up to DKK 375 for available, if it has not been communicated in ad- gations. any loss incurred as a result of the unauthorised vance. use by a third party of the payment service where (3) If a payer denies having authorised or initi- the personalised security feature linked to the (2) Disputes relating to unauthorised or erro- ated a payment transaction which was initiated payment service has been used. neous payment transactions initiated via a pro- via a provider of payment initiation services, the (4) Except where subsection (5) provides for

København vider of payment initiation services, must be ad- provider of the payment initiation service must

– dressed to the account-holding provider in ac- prove that the payment transaction was cor- more extensive liability, the payer is liable for an cordance with subsection (1), see, however, sec- rectly registered and booked and has not been af- amount up to DKK 8,000.00 for any loss in- tion 99(2) and (3) and section 104. fected by technical failure or other errors. curred as a result of the unauthorised use by a third party of the payment instrument if the 98. If a payer denies having authorised or initi- 100. The payer’s provider of payment services payer’s provider is able to establish that the per- CVR no.CVR 12 61 62 28 ated a payment transaction, the provider of the is liable to the payer for any loss incurred due to sonalised security feature linked to the payment payment service must prove that the payment the unauthorised use by a third party of a pay- instrument was used; and transaction was correctly registered and booked ment service unless otherwise provided in sub- sections (2) to (5) hereof. The payer is only liable

Danske Bank A/S.

Visa/Dankort Page 19 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56

1) that the payer failed to notify the payer’s ought to have known that there was a risk of loss suffered by the payer’s provider if the payee provider as soon as possible after having become abuse. or its service provider has failed to use strong aware that the payment service’s payment in- customer authentication. Subsections (1) and (2) strument was missing or that the personalised (6) Notwithstanding the provisions of subsec- do not apply to the services comprised by section security feature linked to the payment instru- tions (3) to (5) hereof, the payer’s provider is lia- 1(5) and section 5(14)-(16). ment had come to the knowledge of an unauthor- ble for any unauthorised use ised user; (8) Notwithstanding the provisions of subsec- 1) after the provider was notified that the pay- tions (3) to (5) hereof, the payer’s provider is also 2) that the payer intentionally made the per- ment instrument linked to the payment service liable if the loss, theft or unauthorised acquisition sonalised security feature of the payment instru- had been lost, that the personalised security fea- of the payment instrument linked to the payment ment available to the person making such unau- ture had come to the knowledge of an unauthor- service or the personalised security feature thorised use without this falling within the scope ised person, or that the payer required the pay- linked to the payment service could not be de- of subsection (5); or ment instrument to be blocked for any other rea- tected by the payer prior to the unauthorised use. son; 3) that, through grossly inappropriate conduct, (9) Moreover, notwithstanding the provisions the payer made such unauthorised use possible. 2) when it is caused by actions taken by a ser- of subsections (3) to (5) hereof, the payer’s pro- vice provider’s employees, agents or branch or vider is liable if the payee knew or ought to have (5) The payer is liable without limitation with an entity to whom the service provider’s activi-

København known that the use of the payment service was

– respect to any loss incurred due to the unauthor- ties have been outsourced, or their passivity; or unauthorised. ised use by a third party of the payment service where the personalised security feature linked to 3) because the provider has not taken appro- (10) The provisions of subsections (1) to (9) the payment instrument was used and the priate measures, see section 94(1)(2). hereof also apply to electronic money except payer’s provider proves that the payer disclosed where the payer’s provider of electronic money is

CVR no.CVR 12 61 62 28 (7) Notwithstanding subsections (3) to (5) the personalised security feature to the person unable to block the payment account or the pay- hereof, the payer’s provider is also liable, unless making the unauthorised use, and that the cir- ment instrument. the payer has acted fraudulently. The payment re- cumstances were such that the payer knew or cipient or his/her provider must compensate the

Danske Bank A/S.

Visa/Dankort Page 20 of 20 Danske Bank, Holmens Kanal 2-12, DK-1092 København K Tel. +45 70 12 34 56