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Do you need a PIN for contactless payments in Denmark?

Tap for small amounts, PIN for larger ones.

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Short answer

For small amounts, no. As of November 2026, contactless card payments in shops up to 350 kr. can be made without a PIN or other extra approval. Above that, you confirm the payment with your PIN. Contactless is the normal way to pay: more than 80 % of Dankort payments are contactless. If someone misuses the contactless function on your card, the bank as a rule carries the loss, unless you acted fraudulently.

Practical info

Why

  1. Contactless payments do not use the PIN, which makes PIN theft at the till harder.
  2. The 350 kr. limit is an exemption from the rule on approval with two elements.
  3. Paying with a phone or watch uses Face ID or similar instead of a PIN.

Details

Online card payments under 225 kr. can also be exempt from approval with MitID or an SMS code.

Tip

Check your account often and report contactless payments you do not recognise to the bank at once, at the latest within 14 days.

What may differ

The 350 kr. limit is an exemption the bank may use, so a payment under it can still ask for your PIN.

Common misconception

Contactless payments are less safe than paying with a PIN.

What actually happens

The bank as a rule covers losses from misuse of the contactless function, so the risk for you is small.

People also ask

  • Can you use Apple Pay in Denmark?
  • What should you do if your card is stolen in Denmark?
  • Do I need MitID to pay online with a card?

Sources

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

Practical info
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