Cards FAQ

  • What if my Danske Mastercard is lost or stolen?

    What if my Danske Mastercard is lost or stolen?

    You can block lost, stolen or damaged cards via ebanking, mobile/tablet app, by calling us or in person in a local branch.

    Please note that if you think you are at risk of potentially unauthorised transactions or fraud, we recommend calling us immediately on 0800 032 4368.

    Here’s how to block your card via ebanking:

    1. Log on to eBanking
    2. Select ‘Cards and currency’
    3. Click on ‘Card overview’
    4. Select the card you want to cancel and select ‘block card’
    5. Fill in the form and click OK
    6. We’ll then ask you for your password.

    (And here’s how to reorder a new one. Steps 1-3 are the same as blocking)

    1. Select the card you wish to reorder and click ‘reorder card’
    2. Click OK
    3. We’ll then ask you for your password.

    Here’s how to block your card via the App:

    1. Log on
    2. Select ‘Cards’
    3. Click on the card you want to block
    4. Select ‘Block Card’.

    And here’s how to order a new one

    1. Log on
    2. Select "Cards"
    3. Click on the card you’d like to replace
    4. Select "Reorder Card"

    Follow the instructions.

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

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

    You can contact us on 0370 850 2481 or if you're outside the UK, on +44 28 9004 9201.

  • How is my Danske Mastercard protected online?

    How is my Danske Mastercard protected online?

    3D Secure adds an additional layer of security when shopping online at participating retailers. We will send a unique one-time passcode to your mobile phone which you'll need to key into your web browser to complete your purchase. For more detail see our 3D Secure page.

    With maximum security and minimal fuss, 3D Secure is convenient and free!

  • What are contactless payments?

    What are contactless payments?

    Contactless technology uses a chip embedded in your card that allows you to make purchases of £30 and under without having to enter your PIN, by simply holding your card next to the sales terminal.

  • Can I use my Debit Mastercard to make lodgements?

    Can I use my Debit Mastercard to make lodgements?

    Yes, in any Danske Bank branch and also in any participating Post Office in Northern Ireland.

  • What is Geoblocking?

    What is Geoblocking?

    We issue all our debit and credit cards open for use in the UK and the internet only, this is a security feature known as Geoblocking. If you travel abroad and use your card for a chip and PIN transaction, we’ll automatically unlock that area and close the UK. The UK will open again once you return and use your card.

    You can also manage the Geoblocking settings on your cards on eBanking, or our Mobile/Tablet Bank Apps, for more information please see our Geoblocking page.

    We recommend you always contact us if you wish to use your card outside the UK.

  • Where can I see the full terms and conditions for my Debit Mastercard?

    Where can I see the full terms and conditions for my Debit Mastercard?

    You can download and view the terms and conditions here.

Credit cards explained

A credit card gives you the freedom to buy things now and pay later.

A credit card is a form of borrowing. If your application is accepted, we will set you a credit limit for your card - this is the amount you can borrow and use on your credit card.

You will be sent a statement each month showing

  • how much you have spent;
  • the amount that you have to pay back; and
  • the date by which this needs to be paid

Interest is charged on any money you still owe (the outstanding balance) after this date.

  • Credit card pricing explained

    Credit cards are different from other credit products like loans and mortgages, because you can borrow and repay when it suits you, over many years.

  • What is an interest rate?

    This is the actual rate at which interest is charged, expressed as a percentage of the amount borrowed.

  • What is APR?

    The Annual Percentage Rate shows you how much you will be charged in a typical year when you borrow money through a credit card, loan or mortgage.

    It includes all fees and other charges as well as just interest.

    We are required to state the APR in advertisements, allowing you to compare rates.

  • How is the interest rate set when a credit card account is first opened?

    Rates vary between card types but all Danske credit card holders enjoy the same rate for any particular card.

  • Where can you look to find out your interest rate?

    We produce a Summary Box for each of our cards in order to make the credit process as transparent as possible for you. The APR in each Summary Box is based on a sum of £1,200 borrowed over 12 months.

    You can find a copy of the Summary Box on your monthly statement.

  • Will the interest rate on your card account vary depending on how you use it?

    Not with a Danske card, no. We charge a single, flat rate irrespective of whether you have made a purchase or cash withdrawal.

  • Why do interest rates change over time?

    Interest rates can go up or down, reflecting changes in the cost of providing credit, economic conditions and the risk that some customers may not be able to repay.

    If we do increase your interest rate, we’ll give you at least 30 days’ notice.

    If this happens, you will have 60 days to close the account and repay the remaining balance at the existing rate of interest.

    We may also give you the option to transfer your balance to an alternative Danske product at the existing (or lower) interest rate.

    Except in exceptional circumstances, for example where there are sudden changes in the economy, we will not increase our credit card interest rates more often than every six months.

    You will of course also see a change if your promotional interest rate comes to an end.

  • Does a change in an interest rate just apply to any new spending?

    No, changes will apply to the whole of any outstanding balance.