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What is the safest way to pay when you shop online in Denmark?

Card, MobilePay or transfer

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Short answer

Paying with a payment card is normally the safest way to shop online, because the bank may be able to return your money if the seller does not deliver. An international payment or credit card often gives better protection, since it often includes insurance that also covers a shop going bankrupt. Dankort is safe in Danish webshops, and MobilePay is generally a very safe payment method. Avoid bank transfers, because that protection does not apply when you transfer money directly to the seller's account.

Practical info

Why

  1. Card payments can often be reversed through the bank.
  2. Bank transfers go straight to the seller.
  3. A padlock and https alone do not prove a shop is real.

Details

Stay away from firms that offer international money transfers when you buy from a seller you do not know.

Tip

Never share your MobilePay codes and never lend out your phone.

What may differ

What a card insurance covers depends on your agreement with the card issuer.

Common misconception

A bank transfer is safe as long as the seller has a Danish account number.

What actually happens

A transfer goes directly to the seller, and you do not get the card protection.

People also ask

  • Can I get my money back if a webshop does not deliver?
  • Is MobilePay safe for buying from strangers?
  • How do I spot a fake webshop?

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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