Banking Fraud Control Comparison Data

We put the financial safety of our customers at the front and centre of all our anti-fraud activities. We do this by having a range of systems and controls in place to protect the economic well-being of our customers and the integrity of our banking platforms.

We work constantly to detect and prevent fraudulent activity on customer accounts and continually adapt our communications to customers to ensure they are aware of the latest fraud and scams that they could be targeted with.

Real-time Transaction Screening – We monitor transactions across all our banking platforms to look for unusual patterns in our customers’ behaviour and then use this information to detect and prevent unauthorised transactions.

Online Security/Encryption – We use SSL encryption to keep your data and online banking channels protected from unauthorised access.

Danske ID – Danske ID is a secure app that you install on your smartphone that creates a secure digital signature each time you use it to logon or approve payments on our eBanking and Mobile Bank systems. You should only approve requests in the Danske ID app for logons or payments that you yourself have created. We will NEVER contact you and instruct you to use this app to approve any transactions or logons.

eSafeID – When you access District, we ask you for your password and a security code provided by your eSafeID device. This device provides a unique one-time passcode that you use to sign in to District. Some customers may also be required to use this device to logon and/or approve payments in eBanking or Mobile Bank. Codes from this device are unique to you and you should NEVER share these with anyone, including us!

Biometric Analysis – We use behavioural analysis to help make sure it’s really you giving us instructions in your internet banking account. This technology builds a detailed profile of how you use eBanking (i.e. what’s ‘normal’ for you) that can be very difficult for a fraudster to mimic.

One-time passcodes – We use SMS (text) messages to issue unique codes to, for example, approve some payments you make online using your debit or credit card or to verify it’s really you when registering for our digital wallet services or registering for Danske ID. These codes are unique to you and you should NEVER share these with anyone, including us!

We will contact our customers using email, phone calls, text messages, secure mail from within our online channels and by letter.

Customers should always take precautions to ensure they are talking to who they think they are. Fraudsters can ‘spoof’ genuine phone numbers, so never rely on this a verification that you are speaking to a member of Bank staff. Fraudsters often ‘spoof’ the number from the back of your debit card in an effort to make their call appear more legitimate.

Text Alerts - If we need to get in touch with our customer, we may send them an alert either by secure mail to their eBanking or District system or by text message. If it’s a text, it’ll be from the sender “Danske Bank”, however be aware, fraudsters can make a message appear within the same conversation as a genuine message so care is required when they receive any message from us.

If a customer is not sure whether a communication they receive from us, or purporting to be from us is genuine, they can give us a call on 0345 6031 534 (outside the UK: 0044 2890 49219).

Transaction Screening – We may contact our customers to discuss a payment created via our online channels. The purpose of this call will be to establish if this is a genuine transaction and some details relevant to the transaction. Whilst we will ask you some security questions to identify that we are speaking with the account holder, we will NEVER ask for your password or unique codes from your eSafeID device or codes sent to you by text message. We will also NEVER ask you to download any software when you are on a call with us nor will we ever ask for remote access to your computer, mobile device or tablet.

If you believe you are a victim of fraud you can contact us, 24 hours a day on 0800 917 7657. If you are calling from outside the UK please call, +44800 917 7657.

If you have a general question or would like some fraud prevention advice, please contact us on 0345 6002 882. Lines are open Monday – Friday 8am -8pm and Saturday & Sunday 9am -5pm.

You can also report fraud via your local branch, using the secure mail function within eBanking, Mobile Bank, District or on our website danskebank.co.uk by choosing the ‘report fraud’ link at the bottom of the page.

The fight against fraud is an ever-evolving landscape.

We continue to invest in our people and our platforms to ensure that we are at the forefront of this battle. We have a responsibility to the society that we serve to ensure that we remain a safe and secure place to bank and we take this responsibility very seriously.

We continually improve our prevention and detection capabilities and keep our customers informed so that they can keep their personal and sensitive financial information safe and secure.

Items such as PINs, passwords, and one-time passwords can be the keys to your bank account, so you should treat these with care and NEVER share them with another person, not even if they claim to be from the Bank or another seemingly legitimate organisation.