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Can you be charged a card fee in Denmark with a card from outside the EU?

The ban only protects European cards.

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Short answer

Yes, it can happen. The Danish ban on card fees only applies when both your card issuer and the shop's payment provider are in the EU, Norway, Iceland or Liechtenstein. If your card was issued outside that area, the shop may add a fee. The fee may not be higher than what the shop pays its card acquirer for that payment. Company cards may also carry a fee, wherever they were issued.

Practical info

Why

  1. The rule follows the EU rules on card fees, which cover cards issued inside the area.
  2. Terminals use a card list to tell covered and non-covered cards apart.
  3. A private card from an EU country is protected just like a Danish card.

Details

If the terminal is set up wrongly and charges a fee on a covered card, the shop is still responsible.

Tip

If you think a fee was wrong, ask the shop: if it is unsure, it may refund the fee and check its terminal afterwards.

What may differ

Whether a fee is added, and how much, differs between shops and payment providers.

Common misconception

All foreign cards are charged a fee in Denmark.

What actually happens

Private cards issued in the EU, Norway, Iceland and Liechtenstein may not be charged a fee, and for other cards a fee is allowed but not required.

People also ask

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  • Can a taxi in Denmark charge a card fee?

Sources

This answer is for reference only. Payment rules, limits and fees change, so check the official sources or your bank before you pay.

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