Debit Mastercard

Benefits and Features
How Does Contactless Work?
FAQ

Benefits and Features

Flexible Contactless Limits

From 15 October 2021, you can set your own contactless transaction limit, up to the new maximum of £100 on your Mobile Bank app. Simply navigate to the cards tab, choose your card and select ‘Spending Limit’ from the menu.

Don’t have the app? No problem! You can give us a call, or visit any of our branches to change your limit.

Greater Worldwide Acceptance

Your Debit Mastercard can be used at over 46 million locations around the world, through online retailers and at more than a million cash machines in over 210 countries – wherever you see the Mastercard logo.

Danske 3D Secure

3D Secure adds an additional layer of security when shopping online at participating retailers through the requirement to enter a unique one-time passcode before purchases are transacted. With maximum security and minimal fuss, 3D Secure is convenient and free! For more information visit our 3D Secure page.

Contactless Payments* and Cashback

Make Contactless Payments - this great new benefit is a faster way for you to pay for the smaller everyday items in retail outlets wherever you see the contactless symbol. Contactless allows you pay for items totalling less than £30 by touching your card over the contactless terminal at the checkout.

Debit Mastercard supports purchases with Cashback (where Cashback is offered by Retailers) and can also be used for cash withdrawals at ATMs.

*Contactless functionality is available where your card has the contactless symbol (see below) and the retailer offers this facility.

Priceless Cities

Priceless Cities is an exclusive offer just for Mastercard holders. The programme gives you the chance to enjoy unique and exciting experiences with your Mastercard in major cities across the world, including London, Dublin, Moscow, Miami, Sydney and New York.

Priceless Cities also gives you access to offers on dining, entertainment, sports, travel, theatre and music.

For more information about offers and experience both home and abroad, visit Priceless.com external website

For further information please read our Terms and Conditions

If using your card for non-sterling transactions, please refer to www.danskebank.co.uk/travelmoney

additional Benefits and Featuresread less

How Does Contactless Work?

Contactless payments of £100 or less can be made wherever you see the contactless symbol.
Look for the contactless symbol on your new debit card. This means you can use your debit card to make purchases of £100 and under without having to enter your PIN making it quicker to pay for smaller, everyday purchases.
The retailer will enter the amount and, once you confirm it is correct, you simply tap your card on the point of sale terminal when it is presented to you. For added security, you’ll occasionally be asked to enter your PIN in the normal way.
Once the point of sale terminal confirms your payment, the transaction is complete. You may ask the retailer for a receipt.

Frequently Asked Questions

We have taken some of your frequently asked questions and answered them below.

What is a Debit Mastercard?

A Debit Mastercard is the debit card that is available with Danske Bank current accounts. You can use your Debit Mastercard to pay for purchases in shops or online. You can also use it to withdraw cash at cash machines both in the UK and abroad. The money for these transactions will be taken from your current account.

How does it work?

With your Debit Mastercard, you can withdraw your money from cash machines both in the UK and abroad, make purchases at Point of Sale (POS) terminals, make Contactless payments if your card carries the Contactless symbol, and shop online.

Where can I use a Debit Mastercard?

You can use your Debit Mastercard anywhere you see the Mastercard logo. It is accepted worldwide in shops, online including over 46 million locations around the world, and at more than a million cash machines - wherever Mastercard is accepted.

What are the benefits of my Debit Mastercard?

Your Debit Mastercard offers the following features and benefits:

Worldwide acceptance in shops, and greater online acceptance, including at over 46 million locations around the world and at more than a million cash machines.
Protection when shopping online with Danske 3D Secure.
Customers with a Contactless enabled card can use it to purchase items of £100 or less, much faster.
Access to Priceless Cities.

Can I get cashback on my Debit Mastercard?

Yes when paying for purchases through a POS terminal that offers a cashback facility. The maximum amount of cashback offered is set by the retailer. Please note that some retailers do not offer cashback.

What if my card is lost or stolen?

You need to tell us as soon as you become aware that your card has been lost or stolen. If your card is lost or stolen, or someone else knows your PIN, phone us as soon as possible on our 24 hour emergency line 0370 850 2481. From outside the UK call +44 2890 049201.

You can also block your card from being used on eBanking and within the Danske Mobile Bank app.

Can I use my Debit Mastercard to make lodgements via the Post Office?

Yes. You can make lodgements using your Debit Mastercard at any of the participating Post Office locations around the country.

Who do I contact if I have a query on my Debit Mastercard?

You can contact us on 0345 850 9515 or if outside the UK, on +44 2890 049201.

Where can I get a copy of the Terms and Conditions for my Debit Mastercard?

To download these click here.

Contactless Payments

What is Contactless Payment?

Contactless is the latest payment technology. It allows you to pay for purchases to a maximum value of £100 without having to key your PIN. You pay for your goods with a simple touch of your card. You stay in control as your card never leaves your hands.

How does Contactless work?

When you see the Contactless symbol in shops you will be able to use your Debit card to make purchases to a maximum value of £100. As a security feature, occasionally you will be asked to insert the card into a Point of Sale (POS) terminal and enter your PIN in order to complete a transaction.

Do I have to activate Contactless on my new Card?

Contactless is automatically activated on your debit card once you have completed your first Chip and PIN transaction at either a Point of Sale (POS) or at an ATM.

How is Contactless different from using Chip and PIN?

Contactless makes transactions faster and simpler than those with Chip and PIN. Instead of putting your card into a terminal and entering your PIN, with Contactless a simple touch of your card is all that's needed to pay.

Can I use my card abroad for Contactless transactions?

Yes. Wherever you see the Contactless symbol you can use your card. Please note the maximum value per transaction can vary from country to country. In the UK, the maximum value per contactless transaction is £100.

How will I know if I have Contactless functionality on my card?

You will know if your Debit Mastercard has Contactless payment functionality as you will see the Contactless symbol on the card.

Where can I use Contactless?

You can make Contactless payments wherever you see the Contactless symbol. Please note that some retailers will have a contactless terminal however this is may not always enabled.

Is paying by Contactless secure?

Contactless cards include the latest security features required by the card payments industry. As a security feature, occasionally you will be asked to insert the card into a Point of Sale terminal and enter a PIN to complete a transaction.

Could I be charged twice for the same transaction?

Retailers need to enter the amount for you to check before the payment is made. So to duplicate a transaction, you would need to be asked to pay twice.

How long will it take for Contactless payments to appear on my account?

Contactless Payments will normally appear on your bank account within 2-3 days.

How can I change my contactless transaction limit?

You may not be aware that from 15 October 2021, you can change your own contactless transaction limit!

Your card will have a default limit of £100. You can change this through our Mobile Bank app, by calling us, or by visiting any branch.

To do this on the Mobile Bank app, log on and navigate to the ‘Cards’ tab along the top. Select the card you’d like to change the limit for and go to ‘Spending Limits’. Click on ‘Contactless Limit (per transaction)’, choose your new limit and select ‘Done’.

Can I have a card that only allows lodging of funds into the business current account?

A Mastercard Business Deposit only card is available to order. This card will only permit the cardholder to deposit cash or cheques into their account via the branch or Post Office. The card does not come with a PIN and does not permit the withdrawal of cash, purchases at point of sale or online shopping. Please contact your local Branch or Finance Centre for further details.

What if I am unable to use a standard CHIP & PIN debit card?

Danske offer an alternative option for customers who are unable to use a PIN to complete card transactions. Please contact your local Branch or Finance Centre for further details.

Secure Online Shopping

What is Mastercard SecureCode?

Danske 3D Secure is provided by us in association with Mastercard Secure Code™ and Mastercard Identity Check™ to offer additional security when shopping online at participating merchants.

When shopping online, with a participating merchant, you will be required to enter a numeric, six digit one-time passcode which will be sent to your mobile phone by text.

How does Mastercard SecureCode work?

When you make an online transaction at a participating 3D Secure merchant the Mastercard Secure Code™ or Mastercard Identity Check™ logo will appear if additional authentication is required. The last four digits of you registered mobile phone will be displayed on screen along with the details of your purchase.

Is Mastercard SecureCode available on my Danske Bank debit and credit cards?

Yes, your debit and credit cards will be automatically registered for 3D Secure, though you will need to have a valid up to date mobile number registered with us in order to receive the one-time passcode.

Where can I find more information on Danske 3D Secure?

For more information please visit our 3D Secure page.

Debit Mastercard