Going abroad

Card, cash or both – how to use your Danske account when you’re outside the UK.

You don’t need to say if you’re going away

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Take your Danske Bank cards with you for more flexibility and peace of mind. You don’t need to tell us when you're leaving the UK – just use your PIN once you arrive. This will activate your card in that country and lets us know it’s you using the card.

We’ve got you covered:

  • We’ll still keep an eye out for anything that looks fraudulent.
  • We’ll text you if we spot any suspicious card transactions, so please check we have your most up-to-date mobile number. If using secure mail please allow 48 hours for your number to update.
  • If your card is declined when you’re away call us on the number on the back of your card.
  • If your card is lost or stolen you can block it in seconds on the Mobile Bank App, or call us on +44 800 032 4368, any time, any day.
  • When you come back home use your PIN to make your first purchase to reactivate your card in the UK.

Going to the USA?

Many places in the USA use magnetic stripe and signature instead of Chip and PIN. If you’re asked for your signature instead of your PIN when you arrive in the States, activate your card using the Mobile Bank App or contact your local branch.

If you're using the 'wheel' app

  1. Log on
  2. Select ‘Card’ on the 'wheel'
  3. Tap the card you want to authorise
  4. Tap ‘Geoblocking’
  5. Select North America and ‘Allow use’

If you're using the new app

  1. Log on
  2. View all accounts and cards
  3. Tap the card you want to authorise
  4. Under ‘Where you can use your card’
  5. Tap ‘Abroad’
  6. Toggle ‘North America’

If you're using eBanking

  1. Log on
  2. Click 'Cards & currency'
  3. Select the card you want to activate
  4. Scroll down to 'Geoblocking' and 'Edit security settings'
  5. Select 'Yes, until…' under North America and confirm the date.

Cash

As a Danske Bank customer you can:

  • pre-order foreign cash through eBanking to collect at a branch of your choice, commission-free, (there’s a cost of £3 otherwise);
  • for customers with a Freedom, Choice Plus or Prestige Account there’s no charge to order foreign cash at a branch

Currency converter

Use our currency converter to calcuate exchange rates. You can also view our historic exchange rates.

Fees and charges

  • 1. When you use your debit card outside the UK, you’ll be charged for the following:
    If you have a Danske Cash Reward current account If you have any other Danske current accounts
    Making a purchase (Non-sterling transaction fee) 2.75% (of the value of the purchase) 2.75% (of the value of the purchase)
    Making a purchase (Non-sterling purchase fee) FREE £0.75 for each transaction
    Withdrawing cash (Non-sterling transaction fee) 2.75% (of the value of the cash withdrawal) 2.75% (of the value of the cash withdrawal)
    Withdrawing cash (Non-sterling cash fee) FREE £1.25 for each cash withdrawal

    Notes to this table:

    1. You will not have to pay any of the non-sterling fees set out above if you have chosen to pay in sterling. When you pay in sterling (instead of the relevant foreign currency) the merchant or the cash machine operator will convert the currency using their own exchange rate. This can be more expensive than paying in the foreign currency. You should always check the exchange rate and the amount of any fees before you make a payment or withdrawal in sterling while abroad.
    2. We apply the non-sterling transaction fee by adjusting the Danske Bank Card Exchange Rate (UK)
    3. The amount of the fee will be shown on your statement.
    4. For cash withdrawals, we will charge the non-sterling fees at the time the withdrawal is applied to your account. The amount of the non-sterling transaction will be taken off the available balance on your account immediately, but the balance will not take account of any of the fees described above. The amount that is actually taken from your account will depend on the Danske Bank Card Exchange Rate (UK) on the date that the transaction is processed. The fees will be shown separately on your statement. The amount withdrawn could be taken from your account several days after the date you made it.

    View the Danske Bank Card Exchange Rates(UK).

  • 2. When you use your credit card outside the UK, you’ll be charged for the following:
    All Danske credit cards
    Making a purchase (Non-sterling transaction fee) 2.75% (of the value of the purchase)
    Withdrawing cash or using your credit card to buy foreign currency*

    2.75% cash fee (minimum £2.75)

    PLUS

    2.75% (of the value of the cash withdrawal)

    *This applies to both sterling and non-sterling transactions. It also applies to transfers made to another account by using eBanking. Paym or any Payment Initiation Service will incur a Cash Fee.

    Notes to this table:

    1. You will not have to pay non-sterling fees if you pay in or withdraw sterling. When you pay in sterling (instead of the relevant foreign currency) the merchant or cash-machine operator will convert the currency using their own exchange rate. This can be more expensive than paying in the foreign currency. You should always check the exchange rate and the amount of any fees before you make a payment or withdrawal in sterling while abroad.
    2. We apply the non-sterling transaction fee by adjusting the Danske Bank Card Exchange Rate (UK)
    3. The amount of the fee will be shown on your statement.
    4. For cash withdrawals, we will charge the non-sterling fees at the time the withdrawal is applied to your account. The amount of the non-sterling transaction will be taken off the available balance on your account immediately, but the balance will not take account of any of the fees described above. The amount that is actually taken from your account will depend on the Danske Bank Card Exchange Rate (UK) on the date that the transaction is processed. The fees will be shown separately on your statement. The amount withdrawn could be taken from your account several days after the date you made it.

    View the Danske Bank Card Exchange Rates(UK).

  • 3. Example purchase of €100 while abroad

    Making a purchase of €100 while abroad – using the Danske Bank Card Exchange Rate (UK) for transactions processed by us on the 3rd June 2019.

    Danske debit card Cash Reward current account Danske debit card (all current accounts except Cash Reward) Danske credit cards
    Purchase amount €100 €100 €100
    €100 at Danske Bank Card Exchange Rate (UK) £88.79 £88.79 £88.79

    Danske Bank Card Exchange Rate (UK) on 3 June 2019 was €1 - £0.8879180

    Non-sterling transaction fee £2.44 (2.75%) £2.44 (2.75%) £2.44 (2.75%)
    Non-sterling purchase fee £0.00 £0.75 £0.00
    Cost to you £91.23 £91.98 £91.23

    View the Danske Bank Card Exchange Rates(UK).

  • 4. Example withdrawal of €100 while abroad

    Withdrawal of €100 from a cash machine while abroad – using the Danske Bank Card Exchange Rate (UK) for transactions processed by us on the 3rd June 2019.

    Danske debit card Cash Reward current account Danske debit card (all current accounts except Cash Reward) Danske credit cards
    Cash withdrawal amount €100 €100 €100
    €100 at Danske Bank Card Exchange Rate (UK) £88.79 £88.79 £88.79

    Danske Bank Card Exchange Rate (UK) on 3 June 2019 was €1 - £0.8879180

    Non-sterling transaction fee £2.44 (2.75%) £2.44 (2.75%) £2.44 (2.75%)
    Cash fee £0.00 £0.00 £2.75*
    Non-sterling cash fee £0.00 £1.25 £0.00
    Cost to you £91.23 £92.48 £93.98

    *This applies to both sterling and non-sterling transactions. It also applies to transfers made to another account by using eBanking. Paym or any Payment Initiation Service will incur a Cash Fee.

    Credit and debit cards

    Please note that daily withdrawal limits will apply (the daily limit will be the local currency equivalent of your sterling daily limit). Daily cash machine withdrawals operate from midnight to midnight CET (Central European Time).

    View the Danske Bank Card Exchange Rates(UK).

  • 5. Purchase of €100 of foreign currency

    Purchase of Foreign currency of €100 collected on 3rd June 2019, before travelling - using the Danske Bank Exchange Rate (UK)

    Type of transaction Exchange rate Comission charged Cost to you
    Foreign cash/notes 1.0926 £3.00** £94.52
    Foreign cash/notes ordered through eBanking 1.0926 £0.00** £91.52

    **Foreign cash - no commission for currencies ordered through eBanking otherwise a £3.00 charge. Customers with one of the following packages are not charged commission on foreign currency: Freedom, Choice Plus and Prestige.

    Please note: The above shows the Danske Bank commission charged on the sale of foreign currency. Read more about the benefits of using the different payment options when travelling abroad by following the links below.

    Money Advice Service - travel money options.