This is why we ask questions and ask for personal information

At Danske Bank, we are committed to protect you against fraud and identity theft, and we focus on working againts money laundering, terrorist financing and other financial crime.

This is why we need to have a solid understanding of our clients and their intended purpose of the services we supply.

Example
A large amount is transferred from your account to an account abroad. If we know in advance that you are a Norwegian citizen, live in Norway and rarely or never transfer money to accounts abroad, we have the opportunity to contact you and ask if this transfer is ok.

All information about you will be treated confidentially. Please note that we will never ask you for personal codes, PIN codes or other information that may give access to your online banking, mobile banking, cards, accounts ect.

1. We ask you to confirm your identity with valid identification so that we know that you are who you claim to be
   Either by confirming your ID by using your BankID or by confirming your identity with valid identification papers. Read more about the Money Laundering Act's requirements at Finans Norge (the page is in Norwegian).
   
2. We ask for your address
   To make sure we have your updated information.
   
3. We ask for your citizenship
   This information makes it easier for us to assess whether transfers to foreign countries are typical for you.
4. We ask if you are a politically exposed person or a close family member or known co-worker of someone who is 
   Read more about the definition further down in this questions and answers section. 
5. We might contact you at a later time to update our information about you and the services we supply
   It is a legal requirement that we know our customers and understand how they use the bank, which is why we continually update our information about our customers.

All information is treated confidentially. We will never ask you to provide us with personal codes, PIN codes or anything else that could provide access to your online banking, mobile banking, cards, accounts etc.

Here you will find the Money Laundering Act in its entirety (the page is in Norwegian).

Yes, we have the right and are required to ask the questions necessary to know our customers and their use of the bank.
Our requirements to know our customers are described in:

• The Money Laundering Act
• Regulations in the banking industry
• Information about FATCA

It is the FSA that is the supervisory authority, i.e. monitor whether we and other banks in Norway comply with the regulatory demands.
It is up to the individual bank to assess which questions/information is seen if it is necessary to collect in order to meet the requirements.

The Anti-Money Laundering Act commit us to disclose if persons who can act on behalf of your company, persons with right of disposal over an account or a deposit, or persons who are the beneficial owners, are or has been politically exposed persons (PEPs). We also have to disclose close family members or known close associates of politically exposed persons.

What defines a Politically Exposed Person (PEP)?
A PEP is a person who serves or has served in the position or function of:

1. head of State, head of government, minister or assistant minister;
2. member of national assembly;
3. member of a governing body of a political party;
4. member of a high-level judicial body, the decisions of which are not subject to further appeal, except in exceptional circumstances;
5. member of the board of an auditor general's office, a court of auditors or a central bank;
6. ambassador, chargé d’affaires or high-ranking officer of the armed forces;
7. member of an administrative, management or supervisory body of a State-owned enterprise;
8. chief executive officer, member of the board or other person in the senior management of an international organisation.

You are considered to be a politically exposed person for up to 12 months after leaving a position or function.

You are also considered a politically exposed person if you are a close family member to a politically exposed person; "close family members" are defined a parent, spouse, registered partner, co-habitant or child, as well as a child's spouse, registered partner or co-habitant.

If you are a "known close associate" to a politically exposed person, this shall also be recorded. A "known close associate" is understood to be a natural person who is known to:

1. have joint beneficial ownership of a legal entity, association or foreign legal arrangement with a politically exposed person;
2. have close business relations with a politically exposed person;
3. have the sole beneficial ownership of a legal entity, association or foreign legal arrangement which has been set up for the de facto benefit of a politically exposed person.
   

No. We trust our customers and are not in any way looking to throw suspecion on anyone.
We know that it can be perceived as inconvenient that we ask for ID or contact you to update our information about you. Especially when you have been a faithful customer for many years. However, like the security control at the airport provides every traveller a safe journey, our regular control provides you with a safe banking experience.

You may be contacted in different ways. You might recieve a message in your online or mobile phone bank, a letter, a text message or we might call you.

If we call you, it will be from phone number 987 01 014.

Please note that we never ask for any personal codes, PIN codes or other information that could give us access to your online banking, mobile banking, cards, accounts etc.

All our customers has to be registered with a valid ID and answer our questions, no matter how long they have been customers with us.
We contact you at various times, and there may also be a difference between the questions we ask. You may also find that we contact you several times if we need more information to elaborate on the answers you have already given.

Your cards and accounts are blocked as we lack your customer information or identification. We have been in contact with you to collect this, but unfortunately we cannot see that we have received what we need.

PUM is a personal delivery of proof of receipt, and is a consignment the post office in Norway offers us to do identity checks.
Once the PUM has been ordered from us to you, you will receive a message from the post office when the shipment is ready for pick-up. Upon delivery you will need to present your passport (emergency passport and other identification will not be accepted).

If you have received a pick up message from the post office, you have two weeks to provide them with your passport. If you missed the deadline, please contact us.