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Why we ask questions and request proof of identity

At Realkredit Danmark, we have great focus on fighting financial crime. You will also notice this as a customer. Like all financial businesses in the EU, we are, in fact, obliged to comply with the ‘Know Your Customer’ rules. This means that we must be able to document who our customers are and that we understand our customers’ sources of income.
 
We understand that you might feel inconvenienced or even irritated when we ask you for information and/or a copy of your proof of identity. But just as the security checks at an airport ensure that all travellers can enjoy a safe flight, it is both necessary and in the best interests of us all that we comply with the regulations and keep the information we have about our customers up to date.
 
What do we need to know about our customers?
First of all, we have an obligation to document the identity of our customers, for example with a copy of a passport or driver’s licence. If we do not already have a copy of your proof of identity, we will contact you directly. If your citizenship does not appear from the information we have about you, we will also ask you to provide information about this.
 
We also need to know whether our customers are politically exposed persons (PEPs) or are closely related to such a person. You do not have to do anything in this connection – we will retrieve the information ourselves via the Danish Financial Supervisory Authority’s publicly available PEP lists. What makes a person classify as a PEP? Read more about this in the Questions and answers section below. 
 
We also need to understand how you repay your loans
We are required to understand your sources of income, your expectations for payments on your mortgage and whether you receive payments from abroad, and from which countries any such payments come. In some cases, we may also need to ask about your assets.
 
What specifically does this mean for you?
In practical terms, there will be no significant implications for the majority of our customers. In the majority of cases, we already have the information we need, but if we need some information or if we require a copy of your proof of identity we will of course contact you. 
 
Please note that during the time that you are a customer with Realkredit Danmark you will be contacted several times. This is because we have an obligation to update the information we have on our customers on a regular basis.

Questions and answers

The Danish Anti-money Laundering Act (Hvidvaskloven) requires that we as a financial business have a solid knowledge of all our customers. This is to help prevent the misuse of the financial system. 

At the same time, by knowing our customers we are able to take action if a customer behaves in an unusual way or if we can see that unusual transactions are being made. We are under obligation to notify the authorities if we suspect that a transaction may be illegal. 

Yes, we have both a right and a legal obligation to obtain the information that we believe is necessary for us to know our customers understand how they use the products that Realkredit Danmark offers.

Our obligation to know and understand our customers is described, among other provisions, in sections 11 and 30 of the Danish Anti-Money Laundering Act. 

Financial businesses have an obligation to identify customers who hold prominent public functions and also to identify the families and business associates of these customers. 

In the Danish Anti-Money Laundering Act, these customers are called politically exposed persons (PEPs) due to their position and influence in society, and it can therefore be necessary for financial businesses to obtain further information. 

See also the Danish Financial Supervisory Authority’s guidelines on the rules covering politically exposed persons

Yes. It is crucial for us that you know you can trust us to protect your personal data. 

As always, we will process all the information we have about you in the strictest confidence and in accordance with the applicable legislation. 

Yes, we are asking all of our customers to provide us with information. We will contact you directly if we need you to provide us with information and/or proof of identity.
You may be contacted in different ways. These include via a message in e-Boks, a letter in your mailbox, by telephone or by email.  

If we call you, the calling number will most often be + 45 45 14 70 84.

Please note that we will never ask you for personal passwords, PINs, copies of your MitID or anything else that can give access to Danske eBanking or Danske Mobile Banking applications, payment cards, accounts, e-Boks or the like.
We are obliged to ensure that the information we have about our customers is always up to date. Consequently, you may find that we contact you several times to update the information we have about you.
We recommend that you are always alert to phishing attempts. Please note that you must never disclose your personal passwords, PINs, copies of your MitID or anything else that may give access to your Danske eBanking or Danske Mobile Banking applications, cards, accounts, e-Boks or the like. 
We send letters in physical form or via e-Boks to notify our customers that we need important information about them.
We include the telephone number that you should call:
+45 45 14 70 84 for personal customers
 
When you call us, we have a number of questions, and we may ask you to send us proof of identity or documentation.
You should send/upload a copy of your proof of identity only if we have asked you to do so.

When we speak with you, we will tell you how to send us a copy of your proof of identity.

We advise you not to send personal data via regular email. 

These instructions are for you if you are aged 18 or older and live in Denmark.
If you live abroad, please go to ‘What types of proof of identity do you need to upload copies of? For customers living abroad’. 
 
Please note that
• all proof of identity must be valid, i.e. not expired.
 
When you have spoken to us over the phone
You will be informed what type of proof of identity you need to upload and how to upload it. This will typically be two types of category 1 proof of identity, one type of category 1 proof of identity and one type of category 2 proof of identity, or three types of category 2 proof of identity.
 
For a list of what you can use as category 1 and category 2 proof of identity, please see below.
 
Category 1 proof of identity

  • Passport, diplomatic passport, alien’s passport and official (service) passport
  • Driver’s licence issued by an EU, EEA or EFTA country plus the Faroe Islands and Greenland
  • Moped licence
  • Type C, D or F residence card (front and back in colour)
  • National identity card issued by an EU/EFTA country
  • ID card with photo (issued by a Danish citizen service centre (Borgerservice)) valid from September 2017 or later


Category 2 proof of identity

  • Health insurance card issued on or after 1 August 2014
  • Name certificate
  • Birth certificate
  • Certificate of personal data
  • Most recent annual tax assessment from the Danish tax authorities
  • Most recent preliminary income assessment from the Danish tax authorities
  • Residence permit - type C, D or F letter, issued by a Danish authority together with documentation of your civil registration (CPR) number

These instructions are for you if you are aged 18 or older and live abroad.
If you live in Denmark, please go to ‘What types of proof of identity do you need to upload copies of?’ For customers living in Denmark’. 
 
Please note that

  • in addition to proof of identity, you must upload documentation of your address  – see below
  • all proof of identity must be valid, i.e. not expired.
  • selfies are not a valid form of photo ID


When you have spoken to us by telephone
You will be informed what type of proof of identity you need to upload and how to upload it. This will typically be two types of category 1 proof of identity, one type of category 1 proof of identity and one type of category 2 proof of identity, or three types of category 2 proof of identity.
For a list of what you can use as category 1 and category 2 proof of identity, please see below.
 
Category 1 proof of identity

  • Passport, diplomatic passport, alien’s passport and official (service) passport
  • Driver’s licence issued by an EU, EEA or EFTA country plus the Faroe Islands and Greenland
  • Moped licence
  • Type C, D or F residence card (front and back in colour)
  • National identity card issued by an EU/EFTA country
  • ID card with photo (issued by a Danish citizen service centre (Borgerservice)) valid from September 2017 or later?

 
Category 2 proof of identity

  • Health insurance card issued on or after 1 August 2014
  • Name certificate
  • Birth certificate
  • Certificate of personal data
  • Most recent annual tax assessment from the Danish tax authorities
  • Most recent preliminary income assessment from the Danish tax authorities
  • Residence permit - type C, D or F letter, issued by a Danish authority together with documentation of your civil registration (CPR) number

 
Documentation of your address

 As documentation of your address, you must upload a copy of one of the following documents:

  • Danish health insurance card
  • Signed rental contract (must be from the country in which you have your residential address)
  • National ID card with address

 
The following documents may not date back more than six months and  must be issued by the country in which you have your residential address:

  • A document from a local public authority (tax authorities, police and the like) 
  • A utility bill connected to your dwelling (must state your name and address): gas, water, heating, electricity, broadband, cable TV or insurance policy
  • A letter confirming acceptance into an educational institution
  • Statement of account from a bank