Scams and Fraud Protection
Written in plain language for general understanding. This is educational content, not legal advice. Based on Danish Acts of Parliament (love), executive orders (bekendtgørelser), and official government guidance.
Danish National Law
What is this right?
Danish law protects consumers against various types of fraud:
- Payment card fraud: If your card is used without authorisation, your liability is limited to DKK 375 for unauthorised transactions (if you were not grossly negligent). In cases of gross negligence, liability rises to DKK 8,000. For intent, you bear full liability.
- Online fraud: Report to police (politi.dk) and your bank immediately.
- Identity theft: Report to police and to the Digital Identity Protection service (borger.dk) — you can freeze your NemID/MitID.
- Criminal prosecution: Fraud (bedrageri, § 279) carries penalties up to 8 years' imprisonment for serious cases.
- Chargeback: If you paid by card for goods or services not delivered, you may request a chargeback through your bank.
When does it apply?
- Your payment card, MitID, or personal information has been misused.
- You have been scammed — received counterfeit goods, no delivery, or fake investment schemes.
What should you do?
- Contact your bank immediately — block the card and request a chargeback if applicable.
- Report to the police at politi.dk — a police report is necessary for insurance claims and bank disputes.
- If your MitID was compromised, contact MitID support and block your digital identity.
- Report the scam to Forbrugerombudsmanden if it involves a business operating in Denmark.
What should you NOT do?
- Don't share your MitID, NemID, or card PIN — no legitimate organisation will ask for these.
- Don't delay reporting — your liability for card fraud increases if you fail to report promptly.
- Don't transfer money to 'recover' previous losses — this is a common secondary scam tactic.
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