1 Conditions for Dankort and Visa/Dankort Effective from 1. January 2019 “This document has been translated from Danish into English. About your Dankort and Visa/Dankort However, the original Danish text is the governing text for all Keep your card safe purposes, and in case of discrepancy the Danish wording will be Check at regular intervals that you have not lost your card. It is applicable.” just as personal as a passport, driver’s licence, national health insurance card and the like. Contents Memorise your PIN If you need to make a note of your personal identification 1 Visa/Dankort conditions ................................................... 2 number (PIN), you can ask Nordea for a PIN-memorising card. Your PIN must always be kept separate from your card and 2 What can you use the card for? ........................................ 2 never be written on your card. 3 Safeguarding your card, PIN and Verified Do not reveal your PIN to any other person by Visa password ............................................................. 2 The PIN is your electronic signature. No matter what happens and 4 Verified by Visa ................................................................ 2 where you are in the world, never reveal your PIN to any other 5 Use of the card ................................................................ 2 person. Never choose your PIN as a password for a PC or any other system operated by means of a code chosen by yourself. 6 Cheking entries to your account ....................................... 3 Likewise, do not key in your PIN on a telephone keypad or the 7 Reversal of payments which you have approved .............. 3 like. 8 Reversal of payments which you have not approved ........ 3 Be careful when using your PIN 9 Your obligation to block your card ..................................... 4 Stand close to the terminal or cash machine and cover the keys, 10 Your liability in case of misuse of your card ...................... 4 for instance with your free hand, while keying in your PIN. 11 Nordea’s rights and responsibilities .................................. 4 Always check that the total amount and the date 12 Expiry .............................................................................. 4 have been filled in when you sign a sales voucher 13 Termination ...................................................................... 5 You should check that the date and amount have been stated 14 Amendment of these conditions ....................................... 5 correctly. Cross out any empty space before and after the amount or draw a horizontal line in such space so that the amount cannot 15 Complaints ....................................................................... 5 subsequently be increased. 16 A new copy of the conditions ............................................ 5 17 Charges ........................................................................... 5 Do not forget your passport Always bring your passport or photo identification when you are 18 Evaluation of the creditworthiness of applicants ............... 5 to withdraw cash in banks abroad. 19 Use, keeping and disclosure of personal information ........ 5 Keep accounts 20 Registration of blocked cards ........................................... 5 Keep your receipts and withdrawal slips and compare them with 21 Supervision ...................................................................... 6 the statement received from Nordea. You should pay particular 22 Glossary .......................................................................... 6 attention when you have used your card in connection with telephone or mail order or when making purchases over the Internet. Take care of the magnetic stripe of the card The data contained in the magnetic stripe of the card may be deleted if the card is placed close to a magnetic field. For instance a magnetic catch of a bag and certain electronic devices. Pay attention to the expiry date of the card After the expiry date the card will be rejected. You can have your card replaced in Nordea before expiry. You will automatically receive a new Visa/Dankort card about 2 weeks before the expiry date. Payments via the Internet When using your card for payments via the Internet, it is important that the computer you use is protected against virus attacks. Disclosure of card information Never disclose information about your card to third parties sending unsolicited e-mails or text messages, for instance. Delete the e-mail or text message immediately. If you have replied to the e-mail or text message and disclosed your card information, con- tact Nordea immediately to block your card. Contact Nordea if you have problems with your Visa/Dankort abroad Contact Nordea or – outside Nordea’s business hours – Nets on +45 70 33 70 80 if you have problems with your card abroad. Nordea Danmark, filial af Nordea Bank Abp, Finland, FO-nr. 2858394-9, Patent- och registerstyrelsen, CVR-nr. 25992180, København 2 Notify Nordea immediately if your card is lost or stolen or if you have reason to believe that your PIN has become known to any other person or that an unauthorized person is using your card number Contact Nordea immediately or – outside Nordea’s business hours – Nordea’s card loss centre, Spærreservice, You must state your name and address, the name of your on +45 70 33 22 49 or Nets on +45 70 33 70 80, fax branch in Nordea as well as your card number, account +45 44 68 11 36. number or personal registration number. Your card will then be blocked immediately and cannot be used. 1Visa/Dankort conditions You can use your card to transfer amounts between your own These conditions apply to the use of Visa/Dankort issued by accounts in Nordea’s cash machines. Nordea Danmark, filial af Nordea Bank Abp, Finland (“Nordea”). The conditions describe the use of the card as Dankort and Visa card respectively both the physical card and You can use your card to order bank statements for your own the Dankort and Visa card linked to your mobile phone. Unless accounts in Nordea’s cash machines. otherwise indicated, they apply to both Dankort and Visa card, both the physical card and the Dankort and Visa card linked to 2.4 Debit entries to your account your mobile phone. The glossary explains the terms and Purchases and cash withdrawals with the card will generally expressions used – see condition 22. be debited to your account on the date when you make the purchase or cash withdrawal. Visa transactions will at the 2 What can you use the card for? earliest be debited to your account the day after the purchase Visa/Dankort is a payment instrument which you can use in or cash withdrawal. However, the date for debiting the Denmark and abroad. account will depend on the time when Nordea receives the transaction. If a retailer accepts both Dankort and Visa card, the retailer may have chosen Dankort or Visa as its preferred payment method. 2.5 Spending limit You may change the retailer's decision if technically possible Unless otherwise agreed with Nordea, you can only make according to legislation. cash withdrawals or purchases for amounts available on your account – see conditions 2.7-2.10. It will appear from your bank statement whether a payment has been effected as a Dankort or a Visa card transaction. 2.6 Contactless payment function with the card or Dankort You should note that the transaction amount will be included in on your mobile phone the monthly spending limit when using your Visa card, see For contactless payments or payments with the Dankort linked to condition 2.9, and fees may be charged for using your Visa card the mobile phone, there is an upper limit per transaction without in countries outside the EU/EEA you having to key in your PIN. The applicable amount limit is available on nordea.dk/visadankort. Nordea may adjust the 2.1 Withdrawal of cash amount. Notice will only be given if the amount is adjusted You can use your card for withdrawing cash at cash machines in upwards or downwards by more than 50% in a calendar year. Denmark and abroad which accept Dankort and/or Visa card. In addition, you can use Dankort to withdraw cash at the counter at If the transaction exceeds the applicable amount limit, you will Nordea and at most other Danish banks as well as banks abroad automatically be asked to approve the payment by entering your accepting Visa card. PIN. You will be asked regularly to enter your PIN even though the amount is within the applicable amount limit. You should note that not all cash machines accept Dankort. If so, the withdrawal will be made on your Visa card. 2.7 Gaming and lotteries When you use your Dankort at retailers offering mainly gaming The fee for the use of the card and spending limits, if any, appear and lottery services, including casinos, lottery ticket vendors, from the tariff. race courses and the like, transactions may be restricted to a total maximum of DKK 5,000 per day. 2.2 Purchases at retailers 2.8 Withdrawal You can use your card to pay for goods and services at Dankort has a limit for cash withdrawals per day. The maximum retailers accepting Dankort and/or Visa cards. daily withdrawal appears from the tariff. You can use the card for mail orders and telephone 2.9 Visa card spending limits transactions. In addition, you can use the card in self- The Visa card has an overall limit for purchases and cash service machines. withdrawals within a period of 30 consecutive days. Within the overall limit, cash withdrawals from banks and cash machines Retailers will display signs on their premises or using your Visa card are subject to a daily maximum amount. The information at their website whether they accept Dankort relevant amount appears from the tariff. and/or Visa cards. 2.10 Other If a retailer owes you money, it can credit the amount to your In addition, each retailer may fix amount thresholds for the use of account via your card. the card. You must not use your card for illegal purposes, including In addition, each bank or cash machine may also fix amount purchase of goods and services which are illegal under local thresholds for each cash withdrawal.