You can block your lost, stolen, or damaged debit or credit card using eBanking, Mobile Banking, by giving us a call, or by visiting your local branch.

Replacing your card costs £6 if you order through a branch or by phone. It costs £4 if you order through eBanking or Mobile Banking. Please make sure you have enough money in your account, as we’ll take the fee when you place the order. Replacement card fees may not apply in all circumstances, for example where a card is replaced due to fraud or bank-initiated security reasons.

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

Here’s how to block your card using eBanking:

1. Log on to eBanking
2. Select ‘Cards and currency’
3. Select ‘Card overview’
4. Select the card you want to block then select ‘Block card’
5. Complete the form and click 'OK'
6. You’ll then be asked to enter your passcode.

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

4. Select the card you wish to reorder and select ‘Reorder card’
5. Click OK
6. You’ll then be asked to enter your passcode.

Here's how to block your card using the Mobile banking app:

1. Log on to Mobile Banking
2. Go to the ‘Overview’ page
3. Tap ‘Cards’ in the top menu
4. Tap the card you want to block
5. From the menu Tap ‘Block card temporarily’
6. Tap ‘Block card’ at the bottom of the screen to confirm

To order a replacement card, tap ‘Replace card’ from the card menu and follow the instructions.

Provided you haven’t ordered a replacement card, you can unblock your card using eBanking, Mobile Banking, by giving us a call, or by visiting your local branch. Before unblocking your card, make sure you have the card(s) in your possession.

Here’s how to unblock your card using eBanking:

1. Log on to eBanking
2. Select ‘Cards and currency’
3. Select ‘Card overview’
4. Select the card you want to unblock then select ‘unblock card’
5. Select 'OK'
6. You’ll then be asked to enter your passcode.  

Here’s how to unblock your card using mobile banking:

1. Log on to Mobile Banking
2. Go to the 'Overview' page
3. Tap 'Cards' in the top menu
4. Tap the blocked card
5. Tap 'Cancel blocking'
6. Tap 'Unblock card'

Alternatively you can call us on 0370 850 2481 or if you’re outside the UK, on +44 2890 049201 and we’ll unblock your card for you.

You can contact us on 0345 600 2882 or if you're outside the UK, on +44 (345) 600 2882.

Your cards are protected online by Strong Customer Authentication, this adds an extra layer of security when you shop online.  

When you make an online card payment, some retailers will ask you to approve the purchase using one of these methods:

• our security app, Danske ID, or
• a password you create, used alongside the six-digit one time passcode which we currently text you.

You must use one of these methods when asked, otherwise the online payment won’t go through.

Learn more about strong customer authentication.

Click to Pay is a secure online checkout service provided by Mastercard.

Once you’re enrolled you won't need to enter your card details when you select ‘Click to Pay’ as your payment method at participating online retailers.

You can enrol your card either:

• in the Mobile Banking app or
• at the online checkout when Click to Pay is available

How to enrol a card in Click to Pay via the Mobile Banking app

1. Log on to the Mobile Banking app
2. Select your card from the card menu
3. Tap ‘Add to Click to Pay’ and follow the instructions  

How to pay with Click to Pay

1. At an online checkout, select the Click to Pay icon
2. Follow the instructions to sign in and choose the registered card you want to use.  

As this service is provided by Mastercard, visit Mastercard Click to Pay for more information or support.

Contactless payments let you pay for purchases of £100 or less by holding your debit or credit card against the card reader. You won’t usually need to enter your PIN because the payment is made using the contactless chip in your card. However, from time to time you may be asked to enter your PIN for security reasons, for example, after a number of contactless transactions or if the transaction is considered higher risk.

Your card will have a default contactless limit of £100 per transaction. You can change this in the Mobile Banking App, by calling us, or by visiting any branch.

To change the limit in Mobile Banking;

1. Log on and navigate to the ‘Cards’ tab along the top.
2. Select the card you’d like to change the limit for then select ‘Card settings’ from the menu.
3. Tap ‘Card Limits’ then select ‘Contactless Limit (per transaction)’,
4. Choose a limit between £0 and £100, then tap ‘Done’ to save your changes.

When we send you a new card, it’s set to work in the UK and online only. This helps protect you against fraud.

When you travel outside the UK, you don’t need to tell us in advance. Just enter your PIN or use your contactless facility (for example, at an ATM or in a shop). This will activate your card for use in that country and lets us know it’s you using the card.

When you return to the UK enter your PIN, the first time you use your card again, to reactivate it for use in the UK.

Read more about going abroad and managing where you can use your cards.

If there is something wrong with a recent purchase made using your debit or credit card, we may be able to raise a dispute on your behalf to try and get your money back.

Before you raise a dispute, you should first contact the retailer or service provider to see if they can resolve the issue.

If you’ve contacted them and the issue can’t be resolved, you can ask us (as your card provider) to raise a dispute with the retailer’s or service provider’s bank.

For more detail see our card disputes page.

If your card is due to expire, you should receive your new card by the middle of the month in which it expires. For example, if your card expiry date is 12/26 (December 2026), you should receive your new card by the middle of December 2026, and your current card won’t expire until 31 December 2026.

If you haven’t received your new card, please contact our Card Services team on  0370 850 2481 or +44 2890 049201 if you are calling from outside the UK.

Replacement cards should arrive within 3 business days, by first class post. If you haven’t received your card within 3 business  days, please contact our Card Services team on 0370 850 2481 or +44 2890 049201 if you are calling from outside the UK.

In Mobile Banking:

• You can view your PIN anytime
• If you have ordered a new card (or a replacement card with a new PIN), you can view the PIN in Mobile Banking the day after you order the card. You won't receive a PIN letter in the post if you use Mobile Banking
• For renewal cards (and some replacement cards) your PIN will stay the same.

To view your PIN in Mobile Banking:

• Log on to Mobile Banking
• Tap ‘Cards’ option along the top menu
• Select the card you wish to view the PIN for (if more than one card is available)
• Tap ‘View PIN’
• Enter your Mobile Banking passcode.
• Press ‘Hold to see PIN’ to reveal your 4-digit card PIN

If you don’t use Mobile Banking, we’ll send your PIN by letter. It should arrive within 3-5 days of receiving your new debit or credit card.

You can activate your card in any of these ways:

• Use it with the correct PIN in a shop's card terminal, at a cash machine or in a Post Office®
• Log on to Mobile Banking tap 'Cards' and select ‘Activate card’ for the card you want to activate (you’ll still need to insert your card and enter your PIN in order to activate contactless)
• Log on to eBanking and select 'Cards and currency' - ' Card overview' and click the arrow beside the card you want to activate (however you’ll still need to insert your card and enter your PIN to activate contactless)

For more information, visit our Card Activation page.

Debit Card spending limit:

If you were over 16 years when you opened your account, your debit card doesn’t have a daily spending limit by default. This means you can spend as much as you like in shops and online, as long as you have enough funds available (including any arranged overdraft).

If you want a daily spending limit, for shopping you can ask us to set one. Call Card Services on  0370 850 2481 or call into your local branch.

If you are under 16, you cannot use your debit card in shops or online unless your parent or guardian gives consent. When you turn 16, you’ll need to tell us if you want to use your card in shops or online, so we can set a spending limit, it won’t happen automatically.

Spending limits don’t apply to cash withdrawals. See cash and ATM withdrawal limits.

Credit Card spending limit:

You can’t set a daily spending limit on a credit card. The amount you can spend is based on your credit limit.

Yes, you can arrange automatic repayments for your credit card either through an automatic transfer from your Danske Bank account or by Direct Debit from another bank.

You have the option to pay the minimum repayment, a specific percentage, or the full balance each month.

Please note that the automatic payment for the specified amount will be processed on the date indicated in your credit card statement, even if you make extra payments before the due date.

You can pay money into your Danske Bank account at any Danske Bank branch. You can also pay money in at any participating Post Office in the UK, but you’ll need to use your debit card to do this. Find out more on our Post Office service page.

You can make payments to your Danske Bank credit card at any Danske Bank branch. Your statement shows the payment options available and the date you need to pay by to make sure your payment reaches us on time.

You can use your debit card to withdraw cash from a Danske Bank cash machine we will not charge you for this service.  Other cash machine providers might charge you for this service.

You can use your credit card to withdraw cash from a cash machine, this is called a Cash Advance. Please note you will be charged a cash fee for using this service and interest will be charged from the date that your account is debited.

You can download and view the Debit Mastercard terms and conditions here (PDF).

You can download and view the Mastercard Credit Cards terms and conditions here (PDF).

The Irish Government Stamp Duty (GSD) applies if you have a Credit Card and your address is in the Republic of Ireland.

We collect this charge once a year in January from your credit card account. The current charge is €30 per year.

The charge will be converted to sterling before it’s debited to your account, using the Danske Bank Exchange Rate.

You can find out more at danskebank.co.uk/travelmoney.

For more information on GSD charges, please visit revenue.ie.

A continuous payment authority (CPA) is a type of recurring card payment. It’s when you give a merchant your debit or credit card details and allow them to take future payments from your account (for example, a gym membership or subscription service). The merchant can continue taking payments until you cancel the agreement with them.

You can cancel a continuous payment authority at any time by contacting the merchant or you can contact us to block the payment.

You can ask us to block the payments by phone or by sending a secure message through eBanking or the mobile app, and we will stop any future payments. To help prevent the next payment, please contact us at least one business day before it is due. Stopping payments with us will not cancel your agreement with the merchant, so you may still need to contact them to avoid further charges.

For more information, visit our Continuous Payment Authority page.