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What should you do if your card is lost or stolen in Denmark?

Blocking fast limits what you can lose.

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Short answer

Contact your bank as soon as you notice the card is missing and ask it to block the card. A Dankort or Visa/Dankort can be blocked immediately, around the clock. The law requires you to tell the bank as soon as possible when you find out about the loss. Once you have reported it, the card issuer carries the loss for all misuse after that. Then check your account for payments you do not recognise.

Practical info

Why

  1. Waiting to report the loss can make you liable for up to 8,000 kr.
  2. After the block, later misuse is the issuer's risk.
  3. A card stolen abroad should be blocked at once in the same way.

Details

If your phone with payment apps is stolen, block the phone and the payment options too, or you may be liable in whole or in part.

Tip

Save your bank's blocking phone number in your phone and on paper before you travel.

What may differ

How you block the card, by phone, app or online bank, depends on your bank.

Common misconception

There is no hurry if the card has a PIN, because nobody can use it without the code.

What actually happens

Contactless and online payments can be made without the PIN, so block the card at once.

People also ask

  • How much do you pay if your card is misused in Denmark?
  • How fast must the bank refund an unauthorised payment?
  • Can you use a Danish Visa/Dankort abroad?

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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