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Do you pay a fee when you use a card from a euro country in Denmark?

The currency of the payment decides the fee.

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Short answer

If you pay or withdraw in euros within the EU, you may not be charged more than for a domestic payment in euros, and this also applies in Denmark. Most payments in Denmark are in Danish kroner, however, and when you pay in a non-euro EU currency your card provider may charge a currency conversion fee. The provider, bank or trader must tell you the amount of such fees before you agree to the payment. Traders in the EU may not add a surcharge for ordinary consumer cards, but American Express, Diners Club and business cards are not covered.

Practical info

Why

  1. Denmark is in the EU but outside the euro area.
  2. Your bank sets the conversion fee, not the Danish shop.
  3. The fee must be shown before you confirm.

Details

Paying in your own currency at a Danish terminal is usually more expensive than paying in kroner.

Tip

Check your bank's conversion fee for payments in Danish kroner before you travel, and use the card with the lowest fee.

What may differ

The conversion fee differs between banks and card types.

Common misconception

Many visitors from euro countries think card payments in Denmark are free because it is an EU country.

What actually happens

The EU price rule covers payments in euros, while payments in kroner can carry a conversion fee.

People also ask

  • Should you pay in kroner or your own currency?
  • Can you pay with euros in Denmark?
  • Can you withdraw Danish kroner from an ATM with a foreign 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.

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