Accessibility for everyone

Not everyone feels the transition to a more digitalised financial system is an advantage. Some people are insecure handling their daily finances digitally. And some organisations still depend on cash.

It is important for us to manage the evolution of financial services responsibly, making sure that they are easy to use and accessible for all our customers.

Enabling homeless salespeople to receive digital payments

HusForbi is a Danish NGO that works to improve the lives of socially vulnerable groups. Each month it produces a newspaper that homeless people can buy for DKK 10 and then sell for DKK 20 on the streets. This gives them a much-needed income that makes their life on the streets more bearable. As payments become more digital, however, fewer people have cash in their pockets to buy the newspaper.

HusForbi and Danske Bank are now testing ways in which the homeless salespeople can use MobilePay as a payment channel. Since they do not have a bank account or a payment card, their daily sales will be transferred to a cash card, which is a prepaid card that is not linked to an account.

The combination of MobilePay and the cash card is really adding value for our salespeople. Often they haven’t got a bank account with a credit card, and this has made it hard for us to get digital payments distributed to our 2,600 salespeople across Denmark.”

Rasmus Wexøe Kristensen

Administrative Manager, HusForbi

Learn more about HusForbi

MobilePay for charity

As fewer people use cash, raising money for charity by door-to-door collection becomes harder. MobilePay has enabled many charitable organisations to gain access to a much broader donor group and increase their fundraising opportunities. And it has given the donors a much more flexible way to contribute because they can choose the amount they want to donate and do it whenever it suits them.

MobilePay is free of charge for approved charitable organisations in 2016 and 2017. This includes transactions and subscriptions as well as training in using MobilePay for fundraisers and collectors. In addition, charitable organisations are not subject to negative interest rates on deposits with Danske Bank.

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+300

charitable organisations in Denmark, Norway and Finland use MobilePay to raise funds

+30 

million Euro was donated in Denmark, Norway and Finland in 2016

Accessibility for everyone

As services are increasingly digitalised and cash disappears, the risk financially excluding vulnerable groups or organisations increases. We strive to take a leading role in this transformation, and ensure daily banking is accessible, easy and secure for all our customers.
Cash card
For customers in Denmark who are unable to visit branches or ATMs, we offer cash cards that don’t require a personal PIN. They can be used at all ATMs and shops that accept MasterCard. 
Cash at post offices
To increase accessibility for personal customers who need to deposit and withdraw money, we have arranged for around 200 post offices in Denmark to provide these services as well
Talking ATMs
To help visually impaired customers, many of our ATMs in Denmark, Sweden, and Ireland have synthetic speech.
Easier online banking
To accommodate Danish customers who are not confident with digital banking, we have developed Easy Banking – a simplified version of our eBanking system.
Information by letter
For customers with special needs who have difficulty with digital communication, we offer correspondence by ordinary post at no extra cost.

Winner of the Jakob Nielsen award 2014 for creating a simple online banking solution for those who find digital services difficult to use.

The oldest user of Easy Bank is 90 year old, and the youngest is 18.

Making online banking simple

For some people, new digital features and the increasing number of online options are interesting and appealing. For others, computers and smartphones seem too complicated. In 2014, we took on the challenge of developing a simple and easy alternative to our eBanking system. Together with 16 elderly members of DaneAge and with input from other important organisations such as LEV, an association for people with mental disabilities, we developed Easy Bank. Easy Bank has three simple functions: account overview, pay bill and transfer money. That’s all.

“When I have to pay a bill now, I don’t have to look for where to do it. It is so much easier. And if I need help, I just call Danske Bank.”

Vivi Hansen,  a Danske Bank customer who was born with a learning disability.

Assisting customers with our self-services

Rapid technological advances, changing customer expectations and increasing urbanisation mean that in the future Danske Bank’s digital reach will become more important than its physical reach. When we close a branch, it is important that our customers get the help they need. 

In Denmark, we offer customers of a branch that closes a customised learning programme in which they get a personal assistant and training classes that teach them how to use tablet banking to pay bills and make transfers and how to deposit money in our ATMs.

Corporate volunteering

In 2016, we spent 5,000 hours on voluntary work, helping people gain the financial confidence to handle the challenges of their personal finances.
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Societal challenges

We help solve some of the fundamental challenges that society faces today. Find out how we build financial confidence, increase access to digital services and help startups scale.
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Our approach

At Danske Bank, we integrate corporate responsibility in our core business, work with partners and stakeholders, and report on our progress regularly.
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