Use the consumer's recorded consent to coordinate the sending and receiving providers, preserve payment continuity and apply the statutory working-day deadlines.
Supporting requirements
Read more scenario context
Check the deposit limit, restricted payment services and nationality/residence exceptions independently; a deposit exception is not sanctions clearance.
Supporting requirements
Establishing a covered business relationship requires CDD without a minimum transaction amount. Repeat CDD on relevant changes, appropriate occasions, suspicion or identity doubts.
Preview of legislation and requirement mapping for Denmark
Requirement
Source type
Authority
Supporting provision
Applicability review needed
From 15 September 2026, retain the AML framework and add the enacted proliferation-risk assessment, financial-sanctions controls and applicable independent-testing branch.
legislation
Retsinformation / Finanstilsynet, Retsinformation / Skatte- og Vaekstministeriet
LBK 433/2026 sections 7(1)-(2), 8(1)-(2), 8(4), 8(6), pp. 4-5; Act 764/2026 section 1 nos. 1-4 (new section 4a and amended sections 7/8), p. 1, section 20(1)-(2) and section 21, p. 8
Applicability review needed
Establishing a covered business relationship requires CDD without a minimum transaction amount. Repeat CDD on relevant changes, appropriate occasions, suspicion or identity doubts.
legislation
Retsinformation / Finanstilsynet
LBK 433/2026 section 10 nos. 1, 2(a)-(d), 4-5, p. 5
Review pending
Obtain name and CPR number or equivalent; if neither exists obtain date of birth. Verify identity using a reliable, independent source.
legislation
Retsinformation / Finanstilsynet, Finanstilsynet
LBK 433/2026 section 11(1) nos. 1(a), 2, pp. 5-6; VEJ 9864/2020 section 9.3, printed pp. 59-60 (PDF pp. 60-61)
Applicability review needed
Check who is acting for the customer, independently verify that person's identity and establish authority; identify and reasonably verify relevant beneficial owners.
legislation
Retsinformation / Finanstilsynet
LBK 433/2026 section 11(1) no. 3 and section 11(2), p. 6
Applicability review needed
Assess the relationship's purpose and intended nature and calibrate CDD to its purpose, scale, regularity and duration. Simplified CDD needs an established low-risk basis.
legislation
Retsinformation / Finanstilsynet
LBK 433/2026 section 11(1) no. 4, section 11(3)-(4), p. 6; section 21(1), p. 8; Annexes 2-3, pp. 34-35
Previous checked narrative
Baseline reading under review
For an individual, start with name and CPR number or equivalent, using date of birth where neither identifier exists. Verify those details against reliable independent evidence. The Danish guidance does not make photo identification universally mandatory, so assess credible alternatives when standard documents are unavailable. Normally complete verification before establishing the relationship or executing a transaction. Deferral depends on the statutory business-continuity and limited-risk conditions; preliminary account creation does not create a general permission to transact before verification. Supporting requirements
A successful MitID check answers an identity question, not the whole onboarding decision. Guidance allows substantial-assurance MitID to stand alone in suitable low- or medium-risk cases, but customer-specific concerns can call for additional sources and it is not the sole route for enhanced-diligence cases. Separately assess the relationship's purpose, intended use, scale and regularity. Those facts determine whether the knowledge obtained is sufficient and whether simplified measures are justified, rather than treating electronic verification as a customer-risk classification. Supporting requirements
legislation
Maintain AML, proliferation-risk and sanctions controls from 15 September 2026
What this requires
From 15 September 2026, retain the AML framework and add the enacted proliferation-risk assessment, financial-sanctions controls and applicable independent-testing branch.
RegCanary explanation
Read LBK 433/2026 with Act 764/2026 section 1. Section 7(1) retains the documented, continuously updated business-model ML/TF assessment across customers, products, services, transactions, delivery channels and geographies, and adds risk of potential breaches, non-implementation or circumvention of proliferation-financing obligations in laws/regulations concerning countries, persons, groups, legal entities or bodies and section 34a(3). New section 4a defines proliferation financing as supplying funds or financial services for the listed nuclear, chemical or biological weapon activities for illegitimate purposes contrary to national law or international obligations. Section 8(1) retains written AML risk-management, CDD, investigation, recording, reporting, retention, employee-screening and internal controls and adds adequate written policies, procedures and controls for financial-sanctions compliance, including section 34a(3). Proliferation-compliance controls must also follow the section 7 assessment, taking business size into account. Section 8(2) approval and section 8(6) staff/management training, including relevant data protection, continue. Under existing section 8(4) sentence 1, boards of section 1(1) nos. 1-7 businesses that have internal audit (excluding their domestic branches, distributors and agents), and boards of other covered businesses legally required to have internal audit, ensure internal audit assesses the design and functioning of the framework. Added sentences 2-3 require covered businesses/persons outside that first branch, excluding their domestic branches, distributors and agents, to have their policies, procedures and controls tested by an independent audit function; if none exists, an external expert may perform the test.
Applicability
Business lines
all
Customer types
all
Stages
all
Supporting provision
LBK 433/2026 sections 7(1)-(2), 8(1)-(2), 8(4), 8(6), pp. 4-5; Act 764/2026 section 1 nos. 1-4 (new section 4a and amended sections 7/8), p. 1, section 20(1)-(2) and section 21, p. 8
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Source check failed
Retsinformation / Skatte- og Vaekstministeriet
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
legislation
Version
LOV nr 764 af 08/09/2026; Lovtidende A published 09/09/2026
Original data/country-handbook-evidence/dk/lov-764-2026.pdf. Royal assent/publication verified on p. 1 and signature p. 8; Folketinget L9 page identifies this Act. Inspected section 1 nos. 1-8, pp. 1-2; section 7, p. 5; section 20, p. 8. Relevant AML additions commence 15 September 2026 under section 20(1); only section 8 no. 1 and section 16 no. 1 defer to 20 November. The successor dk-governance-risk-20260915 maps selected governance duties effective from 15 September 2026 and is classified current from that commencement date. The baseline's dated review boundary remains; this does not establish a complete or independently reviewed current legal position. No change to mapped AML identity/reporting/offboarding sections or consumer Payment Accounts Act sections 11/13 was found in these amendment provisions. Not an exhaustive audit of all legislation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document e4d520035310
: unchanged, document e4d520035310
: unchanged, document e4d520035310
: unchanged, document e4d520035310
: unchanged, document e4d520035310
Conditions
The existing AML policies, controls and procedures must be based on the section 7 risk assessment, taking the size of the business into account, under the retained second sentence of section 8(1). This duty is separate from the added proliferation-control duty and does not create a risk-based exemption from financial-sanctions prohibitions.
All means only financial activities actually in section 1: banking, covered investment activities, payment services under Payment Act Annex 1 nos. 1-7 and e-money, and defined cryptoasset service providers. Funds/managers in section 1(1) nos. 9-10 require direct customer contact; statutory exemptions must be checked.
Approval under section 8(2) is by the section 7(2) designated person where that designation duty applies; domestic branches, distributors and agents are excluded from section 7(2)'s designation duty.
Versioned successor for the selected governance duties only. Section 20(1) brought these section 1 amendments into force on 15 September 2026; section 20(2)'s 20 November deferral concerns section 8 no. 1 and section 16 no. 1 of the amending Act, not its AML section 1.
These additions are not operative before 15 September 2026. This explanation covers the inspected provisions, not every governance duty or later amendment.
Financial-sanctions control duties do not themselves supply an asset-release authorisation, a complete regime/list inventory or evidence that an operational control has been implemented. Denmark only: section 21 excludes automatic application to Greenland and the Faroe Islands.
Exceptions
Section 7(3) permits rules creating exemptions; this entry does not establish eligibility for any exemption.
Apply the two section 8(4) branches using the firm's actual perimeter and audit arrangements. The added branch is not a universal duty to hire an external auditor. No annual testing interval, prescribed vendor or risk-based exemption from the added testing duty is stated in the inspected amendment.
Evidence diagnostics
Record ID
dk-governance-risk-20260915
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
requirements
Status when reviewed
current
Review status
source checked
Effective from
15 Sept 2026
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Start CDD at onboarding and repeat it on relevant changes or doubts
What this requires
Establishing a covered business relationship requires CDD without a minimum transaction amount. Repeat CDD on relevant changes, appropriate occasions, suspicion or identity doubts.
RegCanary explanation
Section 10 no. 1 covers establishing a relationship, changed relevant circumstances and appropriate times. Nos. 4-5 independently trigger CDD for ML/TF suspicion and doubts about the accuracy or adequacy of previous identity information. For occasional transactions, no. 2 distinguishes EUR 15,000 generally, more than EUR 1,000 for money transfers, EUR 500 or more for currency exchange including crypto/fiat, and EUR 1,000 or more for specified crypto activities, including linked transactions. These activity-specific thresholds do not exempt an ongoing business relationship from CDD.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation
Supporting provision
LBK 433/2026 section 10 nos. 1, 2(a)-(d), 4-5, p. 5
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Applies only to obliged activities under section 1; apply each occasional-transaction threshold to its own activity and aggregate linked transactions.
Exceptions
Sector-specific exemptions are not established by this entry; gaming thresholds are outside the mapped financial journey.
Evidence diagnostics
Record ID
dk-cdd-triggers
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
cdd
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation / Review pending
Identify and independently verify the individual customer
What this requires
Obtain name and CPR number or equivalent; if neither exists obtain date of birth. Verify identity using a reliable, independent source.
RegCanary explanation
Customer-provided details must be checked against independent documents, data or information, including recognised secure electronic identification processes. The general guidance section 9.3 explains that photo ID is not universally mandatory and that alternative reliable sources may be needed for customers unable to supply standard documents. Its passport, driving-licence, public-authority and residence-document examples are alternatives to assess, not a cumulative statutory checklist. A utility bill or Danish address is not made a universal identity requirement by section 11(1) no. 1(a).
Applicability
Business lines
all
Customer types
individual
Stages
onboarding, ongoing, investigation
Supporting provision
LBK 433/2026 section 11(1) nos. 1(a), 2, pp. 5-6; VEJ 9864/2020 section 9.3, printed pp. 59-60 (PDF pp. 60-61)
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Downloaded original: data/country-handbook-evidence/dk/vej-9864-2020.pdf. Retsinformation's generated cover marks it Gaeldende on 10 September 2026 and the live supervisor index still links it. This guidance describes the 2020 law: use only inspected, cross-checked passages, not its old scope numbering, NemID guidance or reporting references. Inspected introduction, sections 9.1 (legal entities), 9.3, 9.6 and 9.6.1-9.6.3, 17.1-17.2 and 18-18.1. MitID-specific guidance below takes precedence for the mapped MitID interpretation. Guidance examples are not mandatory document checklists.
Status basis
The source could not be extracted successfully.
Recent document checks
: changed, document 83bf1654e4f2
: changed, document 0c28b1486859
: changed, document 56be2e927b70
: changed, document bf45282bf5bc
: changed, document e7b3dba5f084
Conditions
Use the customer's risk and available reliable evidence to select the verification method; higher risk may require additional controls.
When section 10 re-triggers CDD during an investigation, this entry covers the same identity task; an investigation label alone is not a new identity-data request.
Data items describe fields or evidence categories, not a duty to collect every listed alternative.
Exceptions
No CPR/equivalent: date of birth is the statutory fallback. Lack of standard photo ID does not by itself establish failed CDD.
Evidence diagnostics
Record ID
dk-individual-identity
Lifecycle
Needs review
Scenario applicability
Not recorded
Topic
verification
Baseline review status
source checked
Review status
needs review
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked as needing review.
legislation
Identify representatives and relevant beneficial owners
What this requires
Check who is acting for the customer, independently verify that person's identity and establish authority; identify and reasonably verify relevant beneficial owners.
RegCanary explanation
A representative or uncertainty about whether someone acts on their own behalf triggers section 11(2). This is relevant to an individual account operated through an authorised person. Section 11(1) no. 3 separately requires beneficial-owner identification and reasonable verification, and ownership/control analysis for entities and arrangements. Do not collect a company ownership chart for every individual acting solely for themselves. The related requirements explain entity identification, company beneficial owners and qualified management fallback, and conditional ERST register checks separately. Trust/foundation role-specific identification remains incomplete.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation
Supporting provision
LBK 433/2026 section 11(1) no. 3 and section 11(2), p. 6
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Only for obliged activities under section 1. Representative checks apply when someone acts for a customer or there is doubt about own-behalf action; ownership/control checks depend on the actual customer structure.
Exceptions
Section 11(2) exempts an advocate admitted in Denmark or another EU/EEA state from the authority-to-act check, not from representative identity verification.
Corporate daily-management fallback is explained separately under company beneficial owners. Trust/foundation beneficiary definitions and timing still need case-specific treatment under sections 2 no. 9(b)-(c) and 11(1) no. 3; do not apply the corporate fallback to them.
Evidence diagnostics
Record ID
dk-representatives-owners
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
cdd
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Establish relationship purpose and a defensible customer risk assessment
What this requires
Assess the relationship's purpose and intended nature and calibrate CDD to its purpose, scale, regularity and duration. Simplified CDD needs an established low-risk basis.
RegCanary explanation
Section 11(1) no. 4 requires assessing and, where relevant, obtaining information on purpose and intended nature. Section 11(3)-(4) requires all CDD components and evidence that knowledge is sufficient for the risk, considering at least Annexes 2 and 3. Section 21(1) permits simplified measures only after determining low risk. Record expected use of the particular services provided, with relevant scale, frequency and geographical exposure; these must fit the customer's actual activity rather than a universal banking questionnaire. A sector-wide rating alone is not an individual risk decision. Annex 2's potentially lower-risk factors include certain limited financial-inclusion products and spending or transparency controls. Annex 3's potentially higher-risk factors include unusual relationship circumstances, private banking, products favouring anonymity, remote relationships without adequate safeguards, unknown or unconnected third-party payments, new technology and relevant geographical exposure. These non-exhaustive factors must be assessed in combination; a remote channel or nationality alone does not determine the outcome.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation
Supporting provision
LBK 433/2026 section 11(1) no. 4, section 11(3)-(4), p. 6; section 21(1), p. 8; Annexes 2-3, pp. 34-35
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Only section 1 obliged activities; simplified CDD must remain sufficient for the actual customer and cannot override an enhanced-CDD trigger.
When section 10 re-triggers CDD during an investigation, reassess the relationship purpose and risk only to the extent needed for that trigger; the stage label does not prescribe a universal refresh.
Exceptions
Low risk permits reduced extent, not no CDD. The separate e-money exemption-making power in section 21(2) is not an exemption established by this row.
Evidence diagnostics
Record ID
dk-customer-purpose-risk
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
risk
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation / Review pending
Gate relationship establishment and transactions on identity verification
What this requires
Verify the customer and beneficial owners before establishing the relationship or executing a transaction, subject only to defined exceptions.
RegCanary explanation
Section 14(2) permits verification during establishment only where necessary not to interrupt normal business and ML/TF risk is limited; complete it as soon as possible after first contact. General guidance section 17.1 explains that preliminary account creation does not allow a transaction before identification and verification. The securities-account exception in section 14(3) requires safeguards preventing transactions until verification is complete. The 30-day temporary gaming-account rule is not a retail banking grace period.
Applicability
Business lines
all
Customer types
all
Stages
onboarding
Supporting provision
LBK 433/2026 section 14(1)-(4), pp. 6-7; VEJ 9864/2020 sections 17.1-17.2, printed pp. 107-108 (PDF pp. 108-109)
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Downloaded original: data/country-handbook-evidence/dk/vej-9864-2020.pdf. Retsinformation's generated cover marks it Gaeldende on 10 September 2026 and the live supervisor index still links it. This guidance describes the 2020 law: use only inspected, cross-checked passages, not its old scope numbering, NemID guidance or reporting references. Inspected introduction, sections 9.1 (legal entities), 9.3, 9.6 and 9.6.1-9.6.3, 17.1-17.2 and 18-18.1. MitID-specific guidance below takes precedence for the mapped MitID interpretation. Guidance examples are not mandatory document checklists.
Status basis
The source could not be extracted successfully.
Recent document checks
: changed, document 83bf1654e4f2
: changed, document 0c28b1486859
: changed, document 56be2e927b70
: changed, document bf45282bf5bc
: changed, document e7b3dba5f084
Conditions
Only section 1 obliged activities. Document both section 14(2) conditions before any deferral; no general numerical banking deadline is specified.
Exceptions
Section 14(3) applies to the described securities account/depot structure with transaction safeguards; section 14(4) is gaming-specific and excluded from this financial journey.
Evidence diagnostics
Record ID
dk-verification-timing
Lifecycle
Needs review
Scenario applicability
Not recorded
Topic
verification
Baseline review status
source checked
Review status
needs review
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked as needing review.
guidance / Review pending
Use MitID as a conditional identity control, not complete CDD
What this requires
MitID at substantial assurance may stand alone for identity verification in suitable low- or medium-risk cases, including remote customers, but not as a sole control for enhanced-CDD cases.
RegCanary explanation
The guidance permits a process in which the customer gives name and CPR number and confirms identity through MitID, subject to assessment of the individual customer. Add other verification sources where the circumstances require them. MitID verifies identity only: it does not establish the relationship's purpose, risk classification, source of funds or the adequacy of monitoring. The old general guidance's NemID-only restrictions must not be mechanically applied to MitID.
Applicability
Business lines
all
Customer types
individual
Stages
onboarding, ongoing
Supporting provision
VEJ 9426/2023 'Sammenfatning', printed p. 1; 'Baggrund', printed pp. 2-3; 'Hvornaar kan MitID bruges som en kontrolkilde til identifikation, og hvilken betydning har det?', printed p. 3 (PDF pp. 2-4); LBK 433/2026 section 11(1) no. 2
Downloaded and fully text-inspected original: data/country-handbook-evidence/dk/vej-9426-2023-mitid.pdf. Generated cover marks it Gaeldende and current index links it. A web-tool PDF request errored, but curl successfully captured the actual PDF. Guidance anticipated a possible review in 2024; that statement is not evidence of replacement. Applies to MitID at substantial assurance, subject to customer-specific risk and no enhanced-CDD trigger; not a blanket CDD exemption.
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Only section 1 obliged activities. Verify the assurance level actually achieved and suitability for the customer. No enhanced-CDD trigger may be ignored merely because MitID succeeded.
Exceptions
MitID alone is not the guidance's route for high-risk customers. A customer-specific concern can require supplementary sources even at low or medium risk.
Evidence diagnostics
Record ID
dk-mitid-verification
Lifecycle
Needs review
Scenario applicability
Not recorded
Topic
verification
Baseline review status
source checked
Review status
needs review
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked as needing review.
legislation
Apply enhanced CDD for higher risk and listed high-risk third countries
What this requires
Higher ML/TF risk requires additional CDD. A customer based in a Commission-listed high-risk third country triggers specified additional information, approval and monitoring.
RegCanary explanation
Section 17(1) requires consideration of Annex 3 and other relevant high-risk factors. Section 17(2) requires extra customer/owner and intended-relationship information, source of funds and wealth, transaction reasons, designated-person approval for establishing or continuing the relationship and enhanced monitoring. For transactions involving Commission-listed high-risk third countries, section 17(3) expressly requires the measures in subsection 2 plus one or more additional measures: supplementary CDD measures; enhanced reporting mechanisms or systematic reporting of financial transactions; or restrictions on business relationships or transactions involving those countries. The transaction-country trigger is distinct from the customer-location trigger, but its additional measures do not replace the subsection 2 information, approval or monitoring requirements. A Danish-based customer transacting with a listed country is therefore not outside subsection 3 merely because of the customer's location. Record both the subsection 2 measures and the additional measure selected. In addition to subsection 3, section 17(4), where relevant, requires the first payment through an account in the customer's name at a credit institution subject to CDD requirements at least equivalent to those in the Danish Act. No current country list is embedded here.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation, offboarding
Supporting provision
LBK 433/2026 section 17(1)-(5), pp. 7-8; Annex 3, p. 35
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Only section 1 obliged activities. Distinguish customer location under section 17(2) from transactions involving a listed country under section 17(3). Check the Commission list applicable to the decision date, not just a FATF list or an internal score.
At offboarding, use this entry only where a listed-country or other higher-risk condition applies to an uncompleted relationship or final transaction; offboarding alone is not a fresh EDD trigger.
Exceptions
Section 17(5) allows a risk-based exception to subsection 2 for specified compliant branches or majority-owned subsidiaries of EU/EEA-established legal persons; not a general exception for retail individuals.
Evidence diagnostics
Record ID
dk-enhanced-cdd
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
risk
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Identify PEP connections and approve higher-risk relationships
What this requires
Maintain procedures to detect PEPs, relatives and close associates and apply source-of-funds/wealth measures, approval and enhanced monitoring where required.
RegCanary explanation
Section 18(1) covers the customer and beneficial owner, and relevant life-insurance beneficiaries. For an individual PEP, relative or close associate, subsections 2-4 require appropriate measures to establish the origin of relevant funds and wealth, approval by the section 7(2) designated person and enhanced monitoring. After a PEP leaves office, subsection 6 requires risk assessment for at least 12 months and enhanced CDD until the person no longer presents increased risk. Twelve months is not automatic declassification.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing
Supporting provision
LBK 433/2026 section 2 nos. 6-8, pp. 2-3; section 18(1)-(4), (6), p. 8
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Only section 1 obliged activities. Apply statutory definitions, including foreign roles and family/close-associate connections; do not treat a Danish domestic list as exhaustive.
Corporate/trust customer tags refer to identifying relevant natural persons, not labelling an entity itself a PEP.
Exceptions
The separate insurance-beneficiary process in section 18(5) is outside the individual retail-account reference; it is not replaced by this row.
Evidence diagnostics
Record ID
dk-pep-controls
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
risk
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Investigate unusual transactions and record the result
What this requires
Examine the background and purpose of qualifying unusual transactions and activities, extend monitoring where relevant and retain a written investigation result.
RegCanary explanation
Section 25(1) covers transactions that are complex, unusually large, follow an unusual pattern, or lack an apparent economic or lawful purpose; it separately covers unusual activities lacking such a purpose. Do not wait for proof of money laundering before investigating. Section 25(2) requires expanded monitoring where relevant to determine suspicion, and subsection 3 requires findings to be recorded and retained under section 30. Document why an alert is cleared as well as why it is escalated. Apply this assessment during onboarding where the customer's proposed activity or transaction meets the statutory conditions; a completed relationship is not a prerequisite. The separate reporting duty also covers attempts and approaches by prospective customers.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation, offboarding
Supporting provision
LBK 433/2026 section 25(1)-(3), p. 9; section 30(1) no. 3, p. 11
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Only section 1 obliged activities. Evaluate background and purpose in context; unusual does not automatically equal suspicious, but report promptly once the section 26 threshold is met.
Exceptions
No monetary floor for this investigation duty is specified in section 25.
Evidence diagnostics
Record ID
dk-investigate-record
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
monitoring
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Apply the correct transaction hold and FIU approval rule
What this requires
Hold unexecuted suspected-ML transactions until reporting; larger/specially suspicious ML transactions and suspected-TF transactions require reporting and FIU approval.
RegCanary explanation
Section 26(3) covers the ordinary ML hold. Subsections 4 and 6 require FIU approval as well as reporting for the specified larger/specially suspicious ML and TF cases. BEK 431 section 1 places a reportable transaction involving deposited funds of DKK 1 million or more before execution within subsection 4. That is not a DKK 1 million minimum for all suspicious reporting. The FIU is to arrange the seizure decision as soon as possible and by the end of the following banking day; this deadline must not be treated as automatic permission to release funds without the required approval.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation, offboarding
Supporting provision
LBK 433/2026 section 26(3)-(6), p. 10; BEK 431/2023 sections 1-2, p. 1
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Downloaded and fully text-inspected original: data/country-handbook-evidence/dk/bek-431-2023-fast-track.pdf, 1 page. Current supervisor index links it. Section 1 concerns a reportable transaction involving deposited funds of DKK 1 million or more BEFORE execution, not a general reporting threshold or simply the amount transferred. Section 2 expressly commences the order on 1 June 2023.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 287f052f45bb
: unchanged, document 287f052f45bb
: unchanged, document 287f052f45bb
: unchanged, document 287f052f45bb
: unchanged, document 287f052f45bb
Conditions
Only section 1 obliged activities. Classify ML versus TF and assess the fast-track deposited-funds condition before allowing any suspicious exit payment. FIU approval under this requirement does not authorise release of sanctions-frozen assets; separately apply the sanctions freezing, release and reporting requirements and any other applicable instrument.
BEK 431 commenced on 1 June 2023 under section 2; no common commencement date is inferred for the combined rule.
Exceptions
Under section 26(3), if non-execution is impossible or would harm the investigation, report immediately after execution. Do not generalise that exception to the distinct subsection 4 or 6 approval requirements.
Already executed transactions still require reporting where the threshold is met.
Evidence diagnostics
Record ID
dk-transaction-holds
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
monitoring
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Protect investigation and reporting confidentiality
What this requires
Do not disclose that an AML investigation or report exists, is planned or is being considered, except under a specific lawful disclosure route.
RegCanary explanation
Section 38(1) applies to the obliged firm, management, employees and relevant persons carrying out special duties. It covers section 25 investigations and section 26 reports, including contemplated action. This remains relevant to customer-facing offboarding notices. Sections 25(4) and 26(7) restrict subject access to the specified investigation/reporting personal data; they do not erase all other customer data rights. Permitted regulator, law-enforcement, group and same-customer/same-transaction disclosures have distinct statutory conditions.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation, offboarding
Supporting provision
LBK 433/2026 section 38(1)-(8), pp. 13-14; section 25(4), p. 9; section 26(7), p. 10
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Only section 1 obliged activities and the persons described by section 38. Review access requests and customer communications for protected information without treating confidentiality as a blanket exemption from all explanation duties.
Exceptions
Section 38(2) permits specified requested disclosures for supervision/enforcement; subsections 3-6 provide conditional group/professional and same-customer/same-transaction routes. Check recipient, purpose, jurisdiction, confidentiality and data protection before disclosure.
Evidence diagnostics
Record ID
dk-confidentiality
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
requirements
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation / Review pending
Resolve CDD gaps and terminate where mandatory CDD cannot be completed
What this requires
If specified CDD requirements cannot be met, interrupt or wind down an existing relationship, stop further transactions and consider reporting; first assess reasonable alternative ways to complete CDD.
RegCanary explanation
Section 14(5) applies when section 11(1) nos. 1-4 and section 11(2)-(3) cannot be satisfied: interrupt/wind down the relationship, do not perform further transactions and consider a section 26 report. Section 15 separately requires appropriate mitigation, including considering termination, when information is insufficient and cannot be updated. Guidance section 18.1 interprets the AML termination duty as requiring both exhaustion of all ways to complete CDD and an assessed ML/TF risk; absence of the firm's preferred ID or refusal of one information request is not sufficient by itself. Document that interpretive risk condition, rather than silently deleting it or treating it as a statutory exemption: section 14(5) does not expressly state a separate risk exception and remains controlling. Section 18.1 then distinguishes an existing fixed loan, which is to run down on its agreed repayment profile, from further customer transactions/activities, which must stop; the credit facility must be withdrawn, including adjustment in relation to the run-off agreement where relevant. This supports qualified servicing of an existing fixed obligation, not new lending, redraws or continued payment-account use. Apply separate AML holds and sanctions restrictions to repayments and any closing balance. For consumer basic payment accounts, also apply the access and termination rows; a notice period or complaint is not permission to transact contrary to AML or sanctions law.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation, offboarding
Supporting provision
LBK 433/2026 section 14(5)-(6), section 15, p. 7; VEJ 9864/2020 sections 18-18.1, printed pp. 108-109 (PDF pp. 109-110)
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Downloaded original: data/country-handbook-evidence/dk/vej-9864-2020.pdf. Retsinformation's generated cover marks it Gaeldende on 10 September 2026 and the live supervisor index still links it. This guidance describes the 2020 law: use only inspected, cross-checked passages, not its old scope numbering, NemID guidance or reporting references. Inspected introduction, sections 9.1 (legal entities), 9.3, 9.6 and 9.6.1-9.6.3, 17.1-17.2 and 18-18.1. MitID-specific guidance below takes precedence for the mapped MitID interpretation. Guidance examples are not mandatory document checklists.
Status basis
The source could not be extracted successfully.
Recent document checks
: changed, document 83bf1654e4f2
: changed, document 0c28b1486859
: changed, document 56be2e927b70
: changed, document bf45282bf5bc
: changed, document e7b3dba5f084
Conditions
Only section 1 obliged financial activities. Distinguish new-customer verification gates, section 15 mitigation and section 14(5) impossibility. Document missing CDD components, exhausted alternatives, the guidance's ML/TF risk assessment and the legal basis of the decision.
This can arise during an investigation when a section 10 trigger exposes CDD that cannot be completed; do not defer the statutory transaction stop until an offboarding workflow begins.
Obtain case-specific Danish legal/compliance review where the guidance's risk condition or fixed-loan servicing appears to conflict with the statutory stop rule. This source reconciliation is not an executable legal exception or permission for a customer to keep transacting.
For an existing fixed loan, separately record the original repayment profile, servicing-only scope, withdrawn credit limit and approval of any proposed repayment mechanics. No universal accelerated-repayment duty, debt cancellation, set-off power or free release of collateral is established here.
Exceptions
Section 14(6)'s legal-professional exception does not exempt a retail bank.
The fixed-loan passage is supervisory guidance, not a general statutory exception. It does not override a sanctions freeze, FIU approval gate or other payment prohibition.
Evidence diagnostics
Record ID
dk-cdd-failure-offboarding
Lifecycle
Needs review
Scenario applicability
Not recorded
Topic
cdd
Baseline review status
source checked
Review status
needs review
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked as needing review.
legislation
Give AML privacy information and retain then delete the correct records
What this requires
Inform individual customers before onboarding about AML personal-data processing; retain required AML records for at least five years after termination and delete personal data at five years unless another law provides otherwise.
RegCanary explanation
Section 16 requires advance information for natural-person relationships/occasional transactions and limits AML-collected personal data to AML/CTF purposes, excluding commercial reuse. Section 30 covers CDD identity/control records and copies of presented ID, transaction documentation, account overviews, business correspondence and investigation records. The five-year clock runs from relationship end or the occasional transaction, not merely the last CDD update. Section 30(3) requires secure, confidential responses to competent-authority queries about current and past-five-year relationships. 'At least five years' is not permission to retain personal data indefinitely.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation, offboarding
Supporting provision
LBK 433/2026 section 16(1)-(2), p. 7; section 30(1)-(3), p. 11
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Only section 1 obliged activities. The advance customer-information duty in section 16(1) is for natural-person customers; the personal-data purpose restriction also protects natural persons recorded for entity customers.
Data items are evidence/retention categories, not a requirement to collect documents never used or relevant to the case.
Exceptions
Another law may require different personal-data retention; identify that legal basis before extending retention. A generic internal policy or business interest is not the exception stated in section 30(2).
Evidence diagnostics
Record ID
dk-data-retention
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
requirements
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Control third-party reliance and outsourced customer checks
What this requires
Using another organisation's CDD does not transfer the obliged undertaking's responsibility. Establish eligibility, access to evidence and continuing oversight before relying on another party.
RegCanary explanation
Sections 22-23 permit reliance for the identity, beneficial-owner and purpose components in section 11(1) nos. 1-4, not for ongoing monitoring. Section 22 limits eligible third parties to the specified obliged entities, equivalent supervised entities and qualifying associations; obtain enough information about equivalent CDD and retention, and an undertaking to provide identification, verification and other relevant records immediately on request. Group reliance under section 23 has its own equivalent group procedures and group-supervision conditions. Section 24 separately permits outsourcing under a contract, after checking capability, capacity and any necessary permission; check performance and continuing suitability during the arrangement. The obliged undertaking remains responsible under each route. The duty to appoint the person with authority under section 7(2) cannot be outsourced.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing
Supporting provision
LBK 433/2026 sections 22(1)-(5), 23 and 24(1)-(4), p. 9
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Applies to individual, company and trust customers of section 1 obliged undertakings. Determine whether the arrangement is statutory reliance, group reliance or outsourcing; a referral, shared account history or vendor contract alone does not establish eligibility.
For section 22 reliance, secure the subsection 3 undertaking for immediate provision of copies on request. The obliged undertaking must still satisfy itself that the CDD is sufficient and perform its own ongoing monitoring.
Exceptions
Section 22(5) prohibits reliance on third parties established in Commission-listed high-risk third countries, except qualifying branches and majority-owned subsidiaries fully complying with EU/EEA group policies and procedures. This is not a general country-risk waiver.
Evidence diagnostics
Record ID
dk-third-party-cdd
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
cdd
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
guidance / Review pending
Validate and supervise remote identity verification
What this requires
Remote onboarding needs risk-based eligibility, tested technology, reliable identity evidence, fraud safeguards and documented intervention when checks fail. These are supervisory guidelines, not a universal demand for a particular document or biometric.
RegCanary explanation
The EBA guidelines call for approved procedures, pre-implementation assessment and testing, and ongoing review when risks, defects, fraud or legal requirements change. Define the required customer information and reliable sources; preserve readable, time-stamped evidence securely. Interrupt and restart the process or redirect to face-to-face verification where poor quality or ambiguity prevents adequate checks. Document-based checks address authenticity, tampering and accurate extraction. Unattended photo or video identification includes liveness and reliable matching; attended sessions need trained staff and adequate audiovisual quality. Assess the effect of material deficiencies on existing customers and take proportionate remedial action. Control third-party access, security and responsibilities. Non-traditional identity evidence may call for additional or human checks, not automatic exclusion.
Applicability
Business lines
retail banking
Customer types
individual
Stages
onboarding, ongoing
Supporting provision
EBA/GL/2022/15, section 3 (application), PDF p. 4; section 4 paras. 9-28, 33-45, 46-54, PDF pp. 5-17; LBK 433/2026 sections 11 and 14; VEJ 9426/2023, MitID conditions
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Downloaded original: data/country-handbook-evidence/dk/eba-remote-onboarding-2022-da.pdf. 17 pages, 223,817 bytes. Actual Danish link discovered on the official EBA publication page after an incorrect candidate returned 404 and was not retained. Current Finanstilsynet AML index links the guidelines. Inspected legal status, scope/application and section 4 paras. 9-28, 33-54; entity-specific paras. 29-32 are not part of this individual delta. Qualifying eID/trust-service treatment is paragraph-specific (15, 25, 45); paragraph 44 additional controls are examples. Article 16 guidance, not a statutory universal biometric rule. No vendor, privacy or technical-assurance validation.
Downloaded and fully text-inspected original: data/country-handbook-evidence/dk/vej-9426-2023-mitid.pdf. Generated cover marks it Gaeldende and current index links it. A web-tool PDF request errored, but curl successfully captured the actual PDF. Guidance anticipated a possible review in 2024; that statement is not evidence of replacement. Applies to MitID at substantial assurance, subject to customer-specific risk and no enhanced-CDD trigger; not a blanket CDD exemption.
Status basis
The source could not be extracted successfully.
Recent document checks
: changed, document 7cb305206cca
: changed, document 857e3c8dc93e
: changed, document bf228e9eee2d
: changed, document 42dd9aae19a2
: changed, document 251f69e4e0e7
Conditions
Mapped for retail banks onboarding individual customers remotely within the EBA guideline scope. The guidelines apply from 2 October 2023; their Article 16 supervisory status is distinct from the Danish Act. Finanstilsynet links them, but its formal EBA compliance notification was not independently checked.
Qualifying notified electronic identification at substantial or high assurance, or qualified trust services, receive only the specific deemed-compliance treatment in paragraphs 15, 25 and 45. These provisions do not remove all CDD, customer-risk or monitoring duties. Apply the separate Danish MitID conditions.
Paragraph 44 gives non-exhaustive, risk-proportionate additional controls, with one or more controls or an equivalent measure where proportionate to the relationship's ML/TF risk. Its first-funding example is a payment from an account held solely or jointly by the customer at an EEA-regulated credit or financial institution, or at a third-country credit or financial institution subject to AML/TF requirements no less stringent than Directive 2015/849. One-time codes, further biometric comparison, telephone contact or direct mail are other examples, not a mandatory cumulative checklist. The first-funding example is not required for every customer.
Exceptions
No particular vendor, biometric method or two-document rule is mandated by this summary. No implementation, privacy impact assessment or fraud-performance test is certified here.
Evidence diagnostics
Record ID
dk-remote-onboarding-controls
Lifecycle
Needs review
Scenario applicability
Not recorded
Topic
verification
Baseline review status
source checked
Review status
needs review
Effective from
2 Oct 2023
Effective to
Not recorded
Status basis
The requirement is marked as needing review.
legislation
Carry out authorised domestic consumer account switching
What this requires
Use the consumer's recorded consent to coordinate the sending and receiving providers, preserve payment continuity and apply the statutory working-day deadlines.
RegCanary explanation
For consumer payment accounts in the same currency between Danish providers, the receiving provider starts the process on paper or durable-medium consent from all account holders. Record the tasks, recurring payments and chosen date. Under section 4(4), the chosen date must be at least six working days after the date on which the receiving provider is due to receive the list under section 5(1) no. 1, not six working days after a late actual response. Section 4(5) uses a different anchor: if the chosen date is more than six working days after actual receipt of that list, the receiving provider's section 5(1) deadline for requesting the sending provider's tasks must be shifted by the corresponding number of days. Keep that actual-receipt adjustment separate from section 4(4)'s due-receipt minimum; a late response does not silently reset the minimum chosen-date rule. Subject to section 4(5), the receiving provider requests the tasks within two working days of receiving the consumer's consent or transfer request. The sending provider must send the list within five working days of receiving that request. Section 6(1)'s specified receiving-provider setup and payer/payee tasks run from actual receipt of the list, with a five-working-day deadline and the stated information-availability conditions, including NemKonto changes where applicable. On request, review the preceding 13 months to identify recurring transactions. Transfer the positive balance as authorised and notify the consumer no later than transfer. Close only after the specified tasks are completed, applicable notice is observed and no outstanding obligation prevents closure; immediately explain any such obstacle.
Applicability
Business lines
retail banking
Customer types
individual
Stages
onboarding, offboarding
Supporting provision
BEK 1761/2021 sections 1, 3-8 and commencement section 9, PDF pp. 1-3; LBK 463/2026 section 75(1), (3)-(5), pp. 22-23
Source check failed
Retsinformation / Erhvervsministeriet
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
legislation
Version
BEK nr 1761 af 01/09/2021; commencement 01/10/2021
Downloaded original: data/country-handbook-evidence/dk/bek-1761-2021-switching.pdf. 3 pages, 166,507 bytes. Native Retsinformation text marked Gaeldende; full sections 1-9 inspected. Maps domestic consumer same-currency consent, provider tasks, deadlines, continuity, information, costs and closure conditions. Section 2's borrowed definitions and section 6's direct-debit-rights cross-reference do not establish a full payments-law map. No operational switching calendar or provider test was performed.
Downloaded original: data/country-handbook-evidence/dk/lbk-463-2026-payments.pdf. 49 pages, 617,829 bytes. Inspected sections 72(3) and 75(1)-(5), pp. 22-23, for consumer framework notice, termination fees and proportional prepaid-fee refunds. The statute preserves separate basic-account rules and the AML exception. Amendment impact check: retained Act 711/2025 section 2, Act 729/2026 section 16 and future Act 764/2026 section 3 do not amend these selected provisions. This is not an exhaustive Payments Act/currentness audit or an inferred common historical commencement date.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
Conditions
Only consumer payment accounts within the domestic same-currency perimeter. Obtain all holders' consent and identify each sending/receiving provider responsibility. The working-day clock and later chosen date must be calculated under the order, not an unqualified calendar-day target.
Section 5(2) protects availability of payment instruments during switching, subject to lawful security blocking. Section 6(3) provides standard letters within five working days where the consumer elects to notify payers or recipients.
Under section 7, customer access to existing standing-order/direct-debit information and inter-provider list provision are free; other switching charges must be reasonable and reflect actual costs. Section 8 requires advance information on tasks, deadlines, fees, customer information and complaints, free on paper or durable medium at premises and online.
Under section 6(4), an early-arriving balance requires immediate performance of the listed receiving-provider tasks; execution before receipt of the balance requires reimbursement of resulting consumer costs.
Exceptions
Switching consent does not authorise a prohibited or frozen closing payment, waive AML/FIU controls, or extinguish outstanding debt. Cross-border assistance and basic-account termination have separate rules.
Evidence diagnostics
Record ID
dk-domestic-account-switching
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
cdd
Status when reviewed
current
Review status
source checked
Effective from
1 Oct 2021
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation / Review pending
Assist a consumer moving a payment account abroad
What this requires
Provide the prescribed free information, transfer the available positive balance when the receiving account is identified and close the account when the statutory conditions are met.
RegCanary explanation
Section 8 applies when a consumer wants to open a payment account with a provider in another EU Member State or a country with the relevant EU financial agreement and that provider has no branch in Denmark. On request, provide free lists of active standing orders and debtor-initiated direct-debit mandates, together with available recurring credits and creditor-initiated direct debits from the preceding 13 months. Transfer the positive balance once the new provider and account are identified, and close the account. Subject to the agreed notice under the Payments Act, use the consumer's chosen date, at least six working days after the request unless otherwise agreed. If outstanding obligations prevent closure, immediately inform the consumer.
Applicability
Business lines
retail banking
Customer types
individual
Stages
onboarding, offboarding
Supporting provision
LBK 1462/2025 section 8(1)-(2), printed p. 4 (PDF p. 5); LBK 463/2026 section 75(1), p. 22
Source check failed
Retsinformation / Erhvervsministeriet
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
changed
Evidence review
requires-revalidation
Type
legislation
Version
LBK nr 1462 af 18/11/2025; read with Act 1638/2025 section 9
Original data/country-handbook-evidence/dk/lbk-1462-2025-payment-accounts.pdf. Printed pp. 1, 4-6 (PDF pp. 2, 5-7): section 1(2), section 2 nos. 1-2, sections 9-13. Consumer basic payment accounts are chapter 4, not basic deposit accounts or chapter 4a business accounts. Cover lists Act 1638/2025 section 9 (adds non-discrimination section 8a, separately captured) and Act 764/2026 section 7 (only section 19 supervisory-publication amendments, inspected). Neither changes sections 11/13. Other chapters and detailed account-switching mechanics are not fully mapped. This expansion additionally inspected section 8(1)-(2), printed p. 4/PDF p. 5, for consumer cross-border switching assistance; domestic implementation is separately sourced to BEK 1761/2021. No complete payment-account or basic-business-account regime is claimed.
Downloaded original: data/country-handbook-evidence/dk/lbk-463-2026-payments.pdf. 49 pages, 617,829 bytes. Inspected sections 72(3) and 75(1)-(5), pp. 22-23, for consumer framework notice, termination fees and proportional prepaid-fee refunds. The statute preserves separate basic-account rules and the AML exception. Amendment impact check: retained Act 711/2025 section 2, Act 729/2026 section 16 and future Act 764/2026 section 3 do not amend these selected provisions. This is not an exhaustive Payments Act/currentness audit or an inferred common historical commencement date.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
Conditions
Applies to the specified consumer cross-border account-opening situation, not every international transfer or domestic switch. Check the receiving provider's country, absence of a Danish branch, account details, selected date and outstanding obligations.
Apply AML transaction holds and applicable sanctions to any balance payment; the account-switching rule is not a release authorisation.
Exceptions
This assistance rule does not promise that the foreign provider will accept the customer or copy every service. Outstanding obligations may prevent closure.
Evidence diagnostics
Record ID
dk-cross-border-account-switching
Lifecycle
Needs review
Scenario applicability
Not recorded
Topic
cdd
Baseline review status
source checked
Review status
needs review
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked as needing review.
legislation
Maintain transfer controls, records and protected reporting channels
What this requires
Implement Union and national restrictive-measures controls, respond promptly to authorised requests and protect transfer information throughout its retention and use.
RegCanary explanation
Article 23 requires internal policies, procedures and controls to implement Union and national restrictive measures for covered transfers. Article 24 requires full and immediate responses, in accordance with national procedural requirements, exclusively to requests from the competent domestic AML/TF authorities for information under the regulation. Article 25 applies the GDPR, restricts processing under this regulation to AML/TF prevention, prohibits commercial use of those data and requires clear advance information to new customers before a relationship or occasional transaction. Transfers of personal data must comply with the GDPR. Article 26 requires the payer's and payee's providers to retain the Article 4-7 records, and the originator's and beneficiary's crypto providers to retain the Article 14-16 records, for five years and then delete personal data unless a justified national retention rule applies; the permitted additional period cannot exceed five years. Do not infer an automatic ten-year retention period. Article 32(2) requires suitable internal procedures, in cooperation with competent authorities, allowing employees or persons in a comparable position to report infringements through a secure, independent, specific and anonymous channel proportionate to the provider's nature and size.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation, offboarding
Supporting provision
Regulation 2023/1113 Articles 23-26, 32(2), pp. 25-27, 29
Retained original: data/country-handbook-evidence/dk/eu-tfr-2023-1113-da-20260911.pdf; 771970 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Authentic Danish OJ. Inspected Articles 2-13, 23-26, 32(2), 35 and 39-40, pp. 13-21, 25-30, 36. Live document-information original retained as 32023R1113-currentness-20260911.html. German/Spanish corrigenda and the future Article 38 change do not amend the mapped Danish payment-provider provisions. Article 4(2)(c) contains a payer/payee wording issue in Danish; no universal natural-person LEI duty is inferred. EBA/GL/2024/11 and technical message implementation remain separate review items.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 523a600af229
: unchanged, document 523a600af229
: unchanged, document 523a600af229
: unchanged, document 523a600af229
: failed, document 523a600af229
Conditions
The five-year rule stated here covers payer/payee providers and originator/beneficiary crypto providers under Article 26(1). Determine any additional Danish retention basis separately and reconcile it with existing AML records; this is not a new invented retention start date.
Operational fields are evidence aids, not a universal statutory report template. The internal anonymous channel is not an FIU submission engine.
Apply only when the undertaking acts in the provider role specified here for a covered transfer. The same rule covers individual, company and trust customers; an activity label alone does not establish that role.
Exceptions
No bank's GDPR transfer mechanism, retention scheduler, authority-response channel or control effectiveness is validated by this mapping.
Evidence diagnostics
Record ID
dk-tfr-controls-records-privacy
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
requirements
Status when reviewed
current
Review status
source checked
Effective from
30 Dec 2024
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Apply Russian deposit and payment-service restrictions separately
What this requires
Check the deposit limit, restricted payment services and nationality/residence exceptions independently; a deposit exception is not sanctions clearance.
RegCanary explanation
Regulation 833/2014 Article 5b(1) prohibits accepting deposits exceeding the EUR 100,000 total from the specified Russian nationals or persons resident in Russia. Article 5b(2)(b)-(c) separately prohibits direct or indirect provision of payment-instrument issuance, acquiring, payment-initiation services and electronic-money issuance to the specified persons; this is not a EUR 100,000 service threshold. Article 5b(3) excludes EU, EEA or Swiss nationals and natural persons with temporary or permanent residence permits in those jurisdictions from these prohibitions. Article 5c(1a) narrowly preserves provision of personalised security credentials necessary to access an account at a credit or e-money institution established in a Member State or an Annex VIII partner country. Articles 5c and 5d provide competent-authority authorisation routes, including basic needs, legal fees, qualifying maintenance, extraordinary expenses, permitted cross-border trade, humanitarian purposes and specified civil-society activities, subject to their own conditions. Article 5g(1)(a) required an initial list of the specified deposits above EUR 100,000 by 27 May 2022 and updates of amounts every 12 months; Article 5g(1)(b) separately requires information about such deposits held by Russian nationals or residents who obtained Member State citizenship or residence through investor schemes.
Retained original: data/country-handbook-evidence/dk/eu-russia-833-2026-da-20260911.pdf; 8783539 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Selected Articles 5b-5d and 5g, pp. 105-110; broader transaction restrictions inventoried, not fully mapped. Authentic amendments 2022/328, 2022/1269, 2023/2878 and 2025/2033 retained. Current-version metadata retained. Account-access credentials are a narrow exception, not permission to issue every payment instrument. No exhaustive annex/list or derogation audit.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 0e7661571d62
: unchanged, document 0e7661571d62
: unchanged, document 0e7661571d62
: unchanged, document 0e7661571d62
: failed, document 0e7661571d62
Conditions
Determine nationality, residence and qualifying permit evidence rather than infer a ban from a Russian name. The wider legal-person branches are not converted into mandatory company onboarding in this individual product.
The deposit test concerns the relevant total, not each individual incoming transfer. Apply the current deposit definition and aggregation rules; this row is not a tested currency or joint-account calculator.
The annual deposit report is to the competent national authority or Commission as Article 5g specifies; it is not an automatic FIU suspicion report. Confirm the current Danish reporting channel before operational use.
Exceptions
Article 5c(1a) account-access credentials do not exempt every payment instrument. A qualifying service/deposit exception does not override a listed-party freeze, separate transaction ban or AML hold.
The corporate Article 5g(1)(aa) reporting branch is not mapped for this individual customer product. Other transaction prohibitions, including provider/counterparty annex restrictions, remain separately applicable and not exhaustively mapped.
The 2022 date is a historical initial reporting deadline, not a new deadline for a 2026 customer. No blanket mandatory rejection or automatic freezing of every Russian customer's existing balance is asserted.
Evidence diagnostics
Record ID
dk-russia-retail-service-restrictions
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
monitoring
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Determine AML scope from the financial activity
What this requires
Apply shared AML controls to the covered activity, not merely to a banking, wealth or fintech label.
RegCanary explanation
Section 1 covers banks, mortgage lenders, investment firms, life insurers and relevant intermediaries, e-money issuers and payment services in Payment Act Annex 1 nos. 1-7, other professional Annex 1 financial activities and defined cryptoasset service providers. Investment managers, AIF managers, Danish UCITS and AIFs in nos. 9-10 require direct customer contact. Annex 1 includes lending, financial leasing, customer securities transactions, portfolio management and advice, securities custody and safe-deposit services. A software supplier is not automatically an obliged payment or crypto provider. Identify the actual service, contracting entity and establishment; Danish branches, distributors and agents are included where section 1 applies.
Applicability
Business lines
all
Customer types
all
Stages
all
Supporting provision
LBK 433/2026 section 1(1), (5), (7), pp. 1-2; section 2(3)-(4), pp. 2-3; Annex 1, p. 33
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Applies only to activities within section 1 of the Danish AML Act; the firm's activity and legal form determine applicability.
Exceptions
Limited financial activity exemptions require their own legal basis and facts; section 1(7) is a rule-making power, not a blanket exemption. This is AML scope, not a licensing opinion or an extension of consumer account rights to corporate customers.
Evidence diagnostics
Record ID
dk-activity-perimeter
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
requirements
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Assign the legally required AML responsibilities
What this requires
Distinguish the designated decision-maker, conditional compliance officer and relevant executive responsibility.
RegCanary explanation
Section 7(2) requires management of undertakings in section 1(1) nos. 1-8, 9, 10, 18 and 22 to designate an employee authorised for decisions under sections 8(2), 17(2) no. 5, 18(3) and 19(1) no. 3. The employee may be in daily management, must understand the undertaking's ML/TF exposure and satisfy reputation and conduct requirements. Under section 8(3), undertakings in nos. 1-7 which must have a compliance function under other legislation must designate a management-level compliance officer to assess procedure and remediation effectiveness and check FIU reporting. Section 8(5) requires an executive-board member responsible for AML implementation where relevant. Under section 8(4), boards of undertakings in nos. 1-7 with internal audit, excluding their domestic branches, distributors and agents, and other obliged undertakings legally required to have internal audit must ensure that audit assesses whether AML policies, procedures and controls are properly designed and operating.
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
The three designation provisions exclude the undertakings' domestic branches, distributors and agents. This does not exempt those establishments from AML controls.
The compliance-function condition in section 8(3) must not be imposed on every obliged business. Existing and future audit requirements remain in the dated governance framework; this row does not change the 15 September boundary.
Evidence diagnostics
Record ID
dk-designated-governance-roles
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
requirements
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
No exceptions are recorded. This does not establish that none apply.
legislation
Identify and verify life and pension insurance beneficiaries
What this requires
Add policy-beneficiary checks to ordinary customer CDD where life or pension insurance is offered.
RegCanary explanation
Section 12 requires the beneficiary's name. For an unnamed beneficiary or a class, obtain enough information to identify the beneficiaries at payout. Verify their identity through documents, data or information from a reliable independent source before payout, irrespective of PEP status. Section 18(1) requires procedures to determine whether the beneficiary or its beneficial owner is a PEP or a defined family member or close associate. Only where the beneficiary or its beneficial owner is a person covered by section 18(1), subsection 5 requires risk-based clarification of the insurance circumstances and notification to the person designated under section 7(2) that payout is planned and in the event of a full or partial policy transfer. This is notification, not a universal requirement to obtain payout approval. These are additional duties, not a substitute for customer and beneficial-owner CDD.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation, offboarding
Supporting provision
LBK 433/2026 section 12(1)-(2), p. 6; section 18(1), (5), p. 8
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Only where the undertaking offers the life or pension insurance product within the statutory perimeter. A securities portfolio or ordinary bank account is not an insurance policy.
The special section 18(5) clarification and designated-person notification are triggered by the beneficiary or its beneficial owner being a PEP, defined family member or close associate under section 18(1). Ordinary section 12 identification and independent verification before payout still apply when that trigger is absent.
Evidence diagnostics
Record ID
dk-insurance-beneficiary-cdd
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
cdd
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
No exceptions are recorded. This does not establish that none apply.
legislation
Justify simplified CDD and assess relevant higher-risk features
What this requires
Establish low risk before simplifying checks; private banking and complex ownership are risk factors, not automatic exclusions.
RegCanary explanation
Section 21 permits simplified CDD only after assessing that the relationship or transaction presents limited ML/TF risk, considering Annex 2 and other relevant factors. Section 11(3)-(4) still requires all CDD components and demonstrably sufficient customer knowledge. Annex 3 requires consideration of private banking, personal asset-holding vehicles, nominee shareholders or bearer shares, cash-intensive businesses, unusually complex ownership, anonymity, unknown third-party payments and new technology where relevant. These factors inform the assessment; enhanced CDD follows the higher-risk finding under section 17(1), while listed-country and PEP triggers have their own mandatory rules. A low-risk product label alone does not establish simplified CDD eligibility.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing
Supporting provision
LBK 433/2026 section 11(3)-(4), p. 6; sections 17(1), 21(1)-(2), pp. 7-8; Annexes 2-3, pp. 34-35
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Applies only to activities within section 1 of the Danish AML Act; the firm's activity and legal form determine applicability.
Exceptions
Section 21(2) empowers e-money exemptions; no exemption is inferred from that power. Section 13's risk-based derogation is confined to assistance with an isolated activity without a transaction, not an ongoing advisory relationship.
Evidence diagnostics
Record ID
dk-simplified-cdd-risk-factors
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
risk
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Apply group controls and address conflicting foreign law
What this requires
Maintain group AML information-sharing policies and manage weaker or conflicting host-country requirements.
RegCanary explanation
Section 9 requires group data-protection and AML information-sharing policies and procedures, which group undertakings must follow in addition to their own controls. Section 31(1) requires establishments in another EU/EEA state to comply with that state's AML rules. For a branch or majority-owned subsidiary outside the EU/EEA where requirements are weaker, subsection 2 requires Danish AML and data-protection standards insofar as host law permits. Where host law prevents implementation, subsection 3 requires additional risk-mitigation measures and notification to the undertaking's Danish AML supervisor. Section 32 requires group sharing where funds are suspected criminal proceeds or linked to terrorist financing and a section 26 report has been made, limited to necessary personal data. Read this with the separate section 38 confidentiality permissions.
Applicability
Business lines
all
Customer types
all
Stages
all
Supporting provision
LBK 433/2026 section 9, p. 5; section 31(1)-(3), pp. 11-12; section 32, p. 12; section 38(3)-(4), p. 13
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Conditional on group membership or relevant foreign establishments. Group sharing is not general permission to disclose suspicion to the customer or unrelated affiliates.
Exceptions
This row does not establish international data-transfer safeguards or permission to open branches in high-risk countries; sections 31a-31b have separate establishment controls.
Evidence diagnostics
Record ID
dk-group-cross-border-controls
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
requirements
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
legislation
Assess respondents and prohibit shell-bank relationships
What this requires
Apply correspondent due diligence where triggered, including respondent crypto authorisation and payable-through safeguards.
RegCanary explanation
Before a cross-border correspondent relationship involving payments with a respondent outside the Union where the Union has no financial agreement with the relevant country, section 19(1) requires information on the respondent's business, public reputation and supervision; sufficient information to ensure effective AML controls; designated-person approval; and documented allocation of AML responsibilities. Section 19(2) requires the correspondent to establish whether the respondent is authorised or registered in the relevant country before cryptoasset services. For direct customer access to funds at the correspondent, subsection 3 requires assurance that the respondent conducts CDD and can supply it on request. Section 20 prohibits establishing or maintaining shell-bank correspondence and requires reasonable measures to avoid respondents publicly known to let shell banks use their accounts.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, offboarding
Supporting provision
LBK 433/2026 section 2(4), pp. 2-3; section 2(11), p. 3; sections 19(1)-(3), 20(1)-(2), p. 8
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Apply only to a correspondent/respondent arrangement under section 2(4), which includes relevant securities and crypto relationships as well as bank services. Not every customer payment creates a correspondent relationship.
The shell-bank definition requires the section 2(11) characteristics, including absence of physical presence and local management and not belonging to a regulated financial group.
Evidence diagnostics
Record ID
dk-correspondent-controls
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
risk
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
No exceptions are recorded. This does not establish that none apply.
legislation
Protect internal reporting and provide the required channel
What this requires
Apply the sector-specific anonymous breach-reporting duty and protect employees who report ML/TF suspicions.
RegCanary explanation
Section 35 requires undertakings in section 1(1) nos. 5, 8, 10 as regards AIFs, 12-19, 21 and 22 with more than five employees to provide a special independent autonomous channel accepting anonymous reports of actual or potential AML breaches. Establish it within three months of hiring the sixth employee, follow up and document the response. Section 36(1) protects breach reporters in those specified sectors; subsection 2 separately protects employees and former employees of all obliged businesses who report ML/TF suspicions internally or to the FIU, including in variable remuneration decisions. These protections cannot be contracted away. Section 37 protects good-faith section 26 reports and specified transaction stoppages against liability and confidentiality claims.
Applicability
Business lines
all
Customer types
all
Stages
all
Supporting provision
LBK 433/2026 sections 35(1)-(4), pp. 12-13; 36(1)-(4), 37, p. 13
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Section 35's sector and headcount conditions are not universal bank exemptions from whistleblowing law. Other financial legislation and the separate TFR Article 32(2) duty may apply.
A collective agreement may establish the section 35 channel; the supervisor may grant the specific subsection 4 exemption. This row does not decide eligibility.
Evidence diagnostics
Record ID
dk-protected-internal-reporting
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
requirements
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
No exceptions are recorded. This does not establish that none apply.
legislation
Apply the specific cash and anonymous prepaid restrictions
What this requires
Do not redeem anonymous third-country prepaid cards or use EUR 500 notes in Denmark; handle suspected counterfeit cash under its own rule.
RegCanary explanation
Section 5a prohibits redemption in Denmark of payments made with anonymous prepaid cards issued in third countries, including cash redemption of residual value and cash withdrawals of the card's value. Section 6a prohibits using, issuing, depositing, exchanging, paying with or transferring EUR 500 notes in Denmark. Businesses handling and distributing notes and coins must remove known or suspected counterfeits from circulation and immediately hand them to police under section 6; euro cash follows the EU rule identified in subsection 2. These specific controls do not mean every cash transaction is suspicious. Section 5's DKK 15,000 cash-receipt prohibition applies to businesses outside section 1(1), not as a general bank deposit ceiling.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation, offboarding
Supporting provision
LBK 433/2026 sections 1(2)-(4), p. 2; 5, 5a, 6(1)-(2), 6a, p. 4
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Apply each rule to its stated activity and territorial scope; the EUR 500 note rule applies to all natural and legal persons in Denmark. No automated cash-handling or fraud engine is part of this handbook.
Evidence diagnostics
Record ID
dk-cash-and-anonymous-prepaid-controls
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
requirements
Status when reviewed
current
Review status
source checked
Effective from
Not recorded
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
No exceptions are recorded. This does not establish that none apply.
legislation
Provide accurate account information through the statutory mechanism
What this requires
Covered account and safe-deposit providers must respond promptly to FIU or tax-authority requests through the central mechanism.
RegCanary explanation
Order 1114 covers providers of IBAN-identified bank/payment accounts and safe-deposit boxes, including Danish branches of foreign providers. Sections 2-3 require the central mechanism and its operator, with each provider responsible as controller for its submitted personal data. On an FIU or tax-authority request, provide information immediately and no later than three banking days after the request was sent; urgent cases have an immediate, one-banking-day maximum. Account information comprises customer and representative identity, beneficial-owner identity, registration/account number or IBAN, and opening and any closing date. Box information comprises renter identity and opening/closing dates. Providers must submit correct, current information. The operator's activity logs have five-year retention followed by deletion; requests and responses in the mechanism have the separate five-banking-day retention after the response deadline. These periods do not replace ordinary AML record retention.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation, offboarding
Supporting provision
BEK 1114/2023 sections 1-3, p. 1; sections 3(4), 4-5, 7, p. 2; LBK 433/2026 section 30a, p. 11
Source check failed
Retsinformation / Finanstilsynet
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
11 Sept 2026
Extraction
captured
Latest automated check
19 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
legislation
Version
BEK nr 1114 af 25/08/2023; section 7 commencement 01/09/2023
Actual Danish official PDF retained at data/country-handbook-evidence/dk/bek-1114-2023-account-mechanism-20260911.pdf (147774 bytes, 2 pages). Sections 1-7 inspected; linked by the live Finanstilsynet AML legislation index checked on 11 September 2026. Provider and operator duties, response deadlines and the distinct log/request retention periods are not interchangeable. No connection to the mechanism was attempted.
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Conditions
Activity-specific: not every investment firm, e-money issuer or crypto provider offers an account or box within section 1. Operator logging, retention and system-error responsibility are distinct from the provider's reporting responsibility.
This explains statutory information and deadlines; building or connecting the central mechanism is outside the handbook product.
Evidence diagnostics
Record ID
dk-account-information-mechanism
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
monitoring
Status when reviewed
current
Review status
source checked
Effective from
1 Sept 2023
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
No exceptions are recorded. This does not establish that none apply.
guidance
Apply the transfer guidelines to identity fields and linked transfers
What this requires
Use complete, meaningful transfer information, assess linked payments and preserve the correct provider role and cross-border character.
RegCanary explanation
Identify the undertaking's role for each transfer and document effective information-handling procedures. If the conditions for an Article 2 exclusion cannot be established, apply the transfer rules. Detect potentially linked fund transfers using the same payer or payee, including one-to-many and many-to-one patterns, with a proportionate short time window; assess values without fees. Use full natural-person names and registered legal-person names, and the required information for all joint account or address holders. Use the prescribed postal address rather than a post-office box or virtual address alone; the guidelines accommodate people without a fixed address and lawful protective alternatives for vulnerable people. An equivalent legal-person identifier must meet all paragraph 41 criteria: unique, publicly registered, issued by a public authority on establishment in the home jurisdiction, identifying name and address, with its type described in the message. The corrected Danish heading expressly covers payer and payee as well as crypto originator and beneficiary. Do not relabel a cross-border customer transfer as a domestic transfer or own-account liquidity movement to avoid information requirements. Preserve information integrity through message conversion and notify the next provider of corrections.
Applicability
Business lines
all
Customer types
all
Stages
onboarding, ongoing, investigation, offboarding
Supporting provision
EBA/GL/2024/11 paras. 12-20, 21-41, corrected Danish PDF pp. 6-13; Regulation 2023/1113 Articles 2 and 4-6
Retained original: data/country-handbook-evidence/dk/eu-tfr-2023-1113-da-20260911.pdf; 771970 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Authentic Danish OJ. Inspected Articles 2-13, 23-26, 32(2), 35 and 39-40, pp. 13-21, 25-30, 36. Live document-information original retained as 32023R1113-currentness-20260911.html. German/Spanish corrigenda and the future Article 38 change do not amend the mapped Danish payment-provider provisions. Article 4(2)(c) contains a payer/payee wording issue in Danish; no universal natural-person LEI duty is inferred. EBA/GL/2024/11 and technical message implementation remain separate review items.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 523a600af229
: unchanged, document 523a600af229
: unchanged, document 523a600af229
: unchanged, document 523a600af229
: failed, document 523a600af229
Source check failed
European Banking Authority
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
11 Sept 2026
Extraction
captured
Latest automated check
19 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
guidance
Version
EBA/GL/2024/11, 4 July 2024; corrected Danish text; applies 30 December 2024
Retained original: data/country-handbook-evidence/dk/eba-travel-rule-2024-da-20260911.pdf; 376419 bytes, 26 pages. All paragraphs 1-94 inspected. Live EBA publication page and Finanstilsynet index checked on 11 September 2026; the EBA index original is retained separately. Paragraph 24 relief ended 31 July 2025. Danish Article 4(2)(c) and paragraph 81 wording qualifications are expressly reconciled, not represented as statutory corrigenda.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 57bad43838db
: unchanged, document 57bad43838db
: unchanged, document 57bad43838db
: unchanged, document 57bad43838db
: unchanged, document 57bad43838db
Conditions
Applies according to PSP, intermediary PSP, CASP or intermediary CASP role; linked-funds rules and crypto rules must not be interchanged.
LEI or equivalent fields remain conditional on the statutory message-field and supplied-identifier conditions. These are not demands that individual customers obtain an LEI.
Paragraph 24's temporary technical allowance ended on 31 July 2025. Abbreviation and joint-holder concessions expressly dependent on that allowance are not a current general exemption.
Exceptions
The Danish statutory Article 4(2)(c) payer/payee wording discrepancy is retained as a textual qualification. The corrected Danish supervisory guidance supports the conditional payee-identifier implementation; no statutory corrigendum is claimed.
Evidence diagnostics
Record ID
dk-tfr-guideline-fields-linked-transfers
Lifecycle
Verified
Scenario applicability
needs judgement
Topic
monitoring
Status when reviewed
current
Review status
source checked
Effective from
30 Dec 2024
Effective to
Not recorded
Status basis
The requirement is marked source-checked.
A supporting source is not confirmed as current.
Structured applicability has not been established for this scenario. The requirement remains readable, but this is not a firm-specific applicability conclusion.
Bekendtgoerelse af lov om forebyggende foranstaltninger mod hvidvask og finansiering af terrorisme (hvidvaskloven)
Downloaded original: data/country-handbook-evidence/dk/lbk-433-2026.pdf, 35 pages; inspected with pdftotext. Current reference is supported by the live Finanstilsynet index. The consolidation includes the amendment to section 38 b from Act 1638/2025 and explains the revoked, unincorporated amendment from Act 712/2025. Publication on 21 April 2026 is NOT treated as the commencement of all provisions. The JavaScript landing page did not expose amendment-status metadata. The bounded follow-up verified promulgated Act 764/2026 and its 15 September commencement; see the promulgated Act 764/2026 and the dated governance-review limitation. Danish original governs; English summaries are editorial, not an official translation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
: unchanged, document 4a9a0064d70e
Mapped requirements
Finanstilsynets vejledning om lov om forebyggende foranstaltninger mod hvidvask og finansiering af terrorisme (hvidvaskloven)
Downloaded original: data/country-handbook-evidence/dk/vej-9864-2020.pdf. Retsinformation's generated cover marks it Gaeldende on 10 September 2026 and the live supervisor index still links it. This guidance describes the 2020 law: use only inspected, cross-checked passages, not its old scope numbering, NemID guidance or reporting references. Inspected introduction, sections 9.1 (legal entities), 9.3, 9.6 and 9.6.1-9.6.3, 17.1-17.2 and 18-18.1. MitID-specific guidance below takes precedence for the mapped MitID interpretation. Guidance examples are not mandatory document checklists.
Status basis
The source could not be extracted successfully.
Recent document checks
: changed, document 83bf1654e4f2
: changed, document 0c28b1486859
: changed, document 56be2e927b70
: changed, document bf45282bf5bc
: changed, document e7b3dba5f084
Mapped requirements
Vejledning om anvendelse af MitID som kontrolkilde i kundekendskabsprocedurer
Downloaded and fully text-inspected original: data/country-handbook-evidence/dk/vej-9426-2023-mitid.pdf. Generated cover marks it Gaeldende and current index links it. A web-tool PDF request errored, but curl successfully captured the actual PDF. Guidance anticipated a possible review in 2024; that statement is not evidence of replacement. Applies to MitID at substantial assurance, subject to customer-specific risk and no enhanced-CDD trigger; not a blanket CDD exemption.
Status basis
The source could not be extracted successfully.
Recent document checks
: changed, document 7cb305206cca
: changed, document 857e3c8dc93e
: changed, document bf228e9eee2d
: changed, document 42dd9aae19a2
: changed, document 251f69e4e0e7
Mapped requirements
Bekendtgoerelse om indsendelse af underretninger m.v. til Hvidvasksekretariatet
Downloaded and fully text-inspected original: data/country-handbook-evidence/dk/bek-657-2023-reporting.pdf, 5 pages. Linked in current supervisor index. Section 7 expressly commences the order on 1 July 2023; this is not inferred from publication. Sections 2-5 govern digital submission, acceptance checks, content, language and agreed outage handling; Annex 1 specifies conditional report fields.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 1131dfda672b
: unchanged, document 1131dfda672b
: unchanged, document 1131dfda672b
: unchanged, document 1131dfda672b
: unchanged, document 1131dfda672b
Mapped requirements
No mapped requirement is available in this selected reading view.
Bekendtgoerelse om transaktioner omfattet af fast track-ordning for hvidvaskunderretning
Downloaded and fully text-inspected original: data/country-handbook-evidence/dk/bek-431-2023-fast-track.pdf, 1 page. Current supervisor index links it. Section 1 concerns a reportable transaction involving deposited funds of DKK 1 million or more BEFORE execution, not a general reporting threshold or simply the amount transferred. Section 2 expressly commences the order on 1 June 2023.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 287f052f45bb
: unchanged, document 287f052f45bb
: unchanged, document 287f052f45bb
: unchanged, document 287f052f45bb
: unchanged, document 287f052f45bb
Mapped requirements
Hvordan sender man en underretning?
Source changed
Hvidvasksekretariatet
Source diagnostics
Lifecycle
Source changed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
19 Sept 2026
Check outcome
changed
Evidence review
requires-revalidation
Type
reporting
Version
Undated live FIU web guidance; inspected 10 September 2026
Downloaded original: data/country-handbook-evidence/dk/fiu-goaml-20260910.html, 27,621 bytes. Main-content HTML parsed and the live page independently read. Heading 'Hvordan sender man en underretning via GoAML', steps 1-4, describes organisation/user approval, two-factor login, XML upload or web form, and SAR versus STR selection. No login, report submission, current XSD validation or acceptance test performed. Portal guidance does not replace BEK 657's conditional fields or agreed outage route. Independent public re-audit dated 27 September 2026 reported this source as changed and requiring revalidation; the production check window was 19-20 September. Its exact per-source timestamp is not present in the retained audit.
Status basis
A source change or revalidation is awaiting review.
Recent document checks
: changed, document 9c235a5ddc5f
: changed, document 69c7366f598e
: changed, document a821b518eff9
: changed, document 27cde5dc6c9a
: changed, document 5bf1b4b83c79
Mapped requirements
No mapped requirement is available in this selected reading view.
Den Nationale Risikovurdering af Hvidvask 2022
Source check failed
Hvidvasksekretariatet
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
risk assessment
Version
2022 assessment; version 1.01; colophon: published January 2023
Downloaded original: data/country-handbook-evidence/dk/nra-2022.pdf, 20,242,105 bytes; do not commit this large original. Inspected colophon, section 6.1 pp. 164-166 and section 6.2 pp. 167-172, especially retail indicators p. 168. Still linked on the FIU risk-assessment page on 10 September 2026, but its horizon is 2022-2025; current adequacy as a 2026 risk picture is unconfirmed. Contextual evidence, not legislation or automatic customer scoring. The June 2026 FIU Annual Report 2025, section 5 p. 44, announces a 2026 assessment; no published replacement was found on the live FIU risk-assessment index during this pass. Keep status unconfirmed for current adequacy, not historical solely because of age or size. The 20,242,105-byte original exceeds the parent's bounded 16 MiB importer limit; retained source inspection and hash verification are distinct from successful offline import. Do not alter the original or increase the importer limit to conceal that distinction.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 74b419a02cdb
: unchanged, document 74b419a02cdb
: unchanged, document 74b419a02cdb
: unchanged, document 74b419a02cdb
: unchanged, document 74b419a02cdb
Mapped requirements
No mapped requirement is available in this selected reading view.
Hvidvaskomraadet
Source changed
Finanstilsynet
Source diagnostics
Lifecycle
Source changed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
changed
Evidence review
requires-revalidation
Type
guidance
Version
Live legislative index; displayed last updated 21 April 2026
Downloaded original: data/country-handbook-evidence/dk/ft-aml-index-20260910.html, 92,415 bytes; live Danish index also inspected through the web reader. Locates LBK 433/2026, BEK 657/2023, BEK 431/2023, VEJ 9864/2020, VEJ 9426/2023 and EBA/GL/2022/15, 2024/14 and 2024/15. The linked English AML Act is consolidation 1782/2020, not current Danish law. The index supports discovery, not substantive legal obligations or a formal Danish EBA compliance notification. Independent public re-audit dated 27 September 2026 reported this source as changed and requiring revalidation; the production check window was 19-20 September. Its exact per-source timestamp is not present in the retained audit.
Status basis
A source change or revalidation is awaiting review.
Recent document checks
: changed, document 26c23088ab34
: changed, document 0e6885303dce
: changed, document aa57c3343207
: changed, document 0c4fc0dfd3a5
: changed, document 4091d51c0a70
Mapped requirements
No mapped requirement is available in this selected reading view.
Vejledning til virksomheder omfattet af hvidvaskloven
Downloaded original: data/country-handbook-evidence/dk/vej-9875-2025-associations.pdf, 15 pages, 307,962 bytes. Cover marks Gaeldende on 10 September 2026; introduction (printed p. 1, PDF p. 2) re-read against the web PDF. It supplements general guidance for risk assessment of associations, primarily charitable and voluntary associations, not individual retail customers. Retained for catalogue evidence; no individual-customer requirement is derived from it and the full association journey is not mapped.
Status basis
The source could not be extracted successfully.
Recent document checks
: changed, document 79653e32ce51
: changed, document a79fc8fc27f5
: changed, document 06469d748764
: changed, document afd3b51310f3
: changed, document 271e3abec9e4
Mapped requirements
No mapped requirement is available in this selected reading view.
L 9 as adopted: amendments strengthening Denmark's implementation of FATF recommendations, including proliferation financing
Source check failed
Folketinget / Retsinformation
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
changed
Evidence review
requires-revalidation
Type
legislation
Version
2025/2 LSV 9; adopted at third reading on 3 September 2026
Retained adopted parliamentary original: data/country-handbook-evidence/dk/l9-2026-passed-proposal.pdf. Sections 1 and 20 were compared with promulgated Act 764/2026 in the bounded follow-up. Historical means superseded as enactment evidence, not repeal of the adopted proposal. Use dk-aml-amendment-764-2026 for the verified Act and commencement; this proposal is not an operative requirement dependency.
Status basis
The source could not be extracted successfully.
Recent document checks
: changed, document 283a8b0a0311
: changed, document 60879a29cf3c
: changed, document fab0afd8bf2d
: changed, document bdb41c0fb31e
: changed, document 0b308a44f6e1
Mapped requirements
No mapped requirement is available in this selected reading view.
Lov om aendring af hvidvaskloven og forskellige andre love (FATF, proliferation and financial sanctions)
Source check failed
Retsinformation / Skatte- og Vaekstministeriet
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
legislation
Version
LOV nr 764 af 08/09/2026; Lovtidende A published 09/09/2026
Original data/country-handbook-evidence/dk/lov-764-2026.pdf. Royal assent/publication verified on p. 1 and signature p. 8; Folketinget L9 page identifies this Act. Inspected section 1 nos. 1-8, pp. 1-2; section 7, p. 5; section 20, p. 8. Relevant AML additions commence 15 September 2026 under section 20(1); only section 8 no. 1 and section 16 no. 1 defer to 20 November. The successor dk-governance-risk-20260915 maps selected governance duties effective from 15 September 2026 and is classified current from that commencement date. The baseline's dated review boundary remains; this does not establish a complete or independently reviewed current legal position. No change to mapped AML identity/reporting/offboarding sections or consumer Payment Accounts Act sections 11/13 was found in these amendment provisions. Not an exhaustive audit of all legislation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document e4d520035310
: unchanged, document e4d520035310
: unchanged, document e4d520035310
: unchanged, document e4d520035310
: unchanged, document e4d520035310
Mapped requirements
Bekendtgoerelse af lov om betalingskonti og basale erhvervskonti
Source check failed
Retsinformation / Erhvervsministeriet
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
changed
Evidence review
requires-revalidation
Type
legislation
Version
LBK nr 1462 af 18/11/2025; read with Act 1638/2025 section 9
Original data/country-handbook-evidence/dk/lbk-1462-2025-payment-accounts.pdf. Printed pp. 1, 4-6 (PDF pp. 2, 5-7): section 1(2), section 2 nos. 1-2, sections 9-13. Consumer basic payment accounts are chapter 4, not basic deposit accounts or chapter 4a business accounts. Cover lists Act 1638/2025 section 9 (adds non-discrimination section 8a, separately captured) and Act 764/2026 section 7 (only section 19 supervisory-publication amendments, inspected). Neither changes sections 11/13. Other chapters and detailed account-switching mechanics are not fully mapped. This expansion additionally inspected section 8(1)-(2), printed p. 4/PDF p. 5, for consumer cross-border switching assistance; domestic implementation is separately sourced to BEK 1761/2021. No complete payment-account or basic-business-account regime is claimed.
Original data/country-handbook-evidence/dk/lov-1638-2025.pdf. Section 9, p. 11, inserts Payment Accounts Act section 8a prohibiting nationality/residence/Charter Article 21 discrimination for the eligible consumer perimeter. Section 15(1), p. 12, commences it on 1 January 2026; none of the deferred items in section 15(2)-(13) is section 9. Only this bounded amendment/commencement and the AML consolidation cross-reference were inspected, not all amendments in this Act.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document fe2bc5a2f63f
: unchanged, document fe2bc5a2f63f
: unchanged, document fe2bc5a2f63f
: unchanged, document fe2bc5a2f63f
: unchanged, document fe2bc5a2f63f
Mapped requirements
No mapped requirement is available in this selected reading view.
Pengeinstitutter: basic payment accounts, MitID and complaints
Source changed
Finanstilsynet
Source diagnostics
Lifecycle
Source changed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
changed
Evidence review
requires-revalidation
Type
guidance
Version
Live Q&A inspected 10 September 2026; displayed updated 14 July 2025
Original HTML data/country-handbook-evidence/dk/ft-bank-qa-20260910.html, also read through the web tool. Inspected basic-payment-account access/timing, MitID and private-account complaints headings. No MitID, Danish CPR or Danish residence is not by itself a refusal ground. Netbank can require MitID; basic payment account and basic deposit account are different products. Bank complaints officer then Det finansielle ankenaevn; Finanstilsynet receives supervisory information but does not resolve individual disputes. No complaint submitted. Independent public re-audit dated 27 September 2026 reported this source as changed and requiring revalidation; the production check window was 19-20 September. Its exact per-source timestamp is not present in the retained audit.
Status basis
A source change or revalidation is awaiting review.
Recent document checks
: changed, document 8a98417e03bc
: changed, document 032da5f6ee8b
: changed, document 0347d08e451d
: changed, document 0c01822580d1
: changed, document 9e1d4d4f8814
Mapped requirements
No mapped requirement is available in this selected reading view.
Council Regulation (EU) No 269/2014: Ukraine territorial-integrity restrictive measures
Official PDF data/country-handbook-evidence/dk/eu-269-2014-20260807.pdf (10,277,353 bytes), downloaded through the live EUR-Lex browser PDF link after web-reader/direct-download failures. Browser showed the 7 August version at the head of the consolidation list. Inspected Articles 1(i)-(j), 2, 2a, 4, 5, 6, 7, 8(1)-(1c), 9 and 17, pp. 8-15, 26-30, 35-36; not every derogation or Annex I entry. Consolidation is a documentation tool, not the authentic OJ enactment; it is not an operational current sanctions-list feed. Currentness here is bounded to inspected provisions, not a list-clearance decision or exhaustive post-consolidation amendment audit. The retained consolidation is dated 7 August 2026 and predates Council Implementing Regulation 2026/2160 of 22 September; revalidate the consolidation and mapped annex-dependent claims. It is not a live list.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 40d0a248cf7b
: unchanged, document 40d0a248cf7b
: unchanged, document 40d0a248cf7b
: unchanged, document 40d0a248cf7b
: unchanged, document 40d0a248cf7b
Mapped requirements
No mapped requirement is available in this selected reading view.
Vejledning om indefrysning
Source changed
Erhvervsstyrelsen
Source diagnostics
Lifecycle
Source changed
Language
da
Retrieved
Not recorded
Extraction
captured
Latest automated check
19 Sept 2026
Check outcome
changed
Evidence review
requires-revalidation
Type
guidance
Version
Live guidance inspected 10 September 2026; header updated 26 February 2026
SHA-256
Not recorded
Source notes
Substantive web-reader inspection of headings 2.10, 3.2, 3.5, 5.1-5.5, 6-7 and 10. Direct HTML capture returned 403; no retained original or invented hash. Current page numbers headings differently from its version-history references. Used for Danish competent-authority/reporting/licensing route and interpretive distinction between freezing and rejecting a transfer, not as a substitute for Regulation 269/2014. Other regimes and guidance's old AML cross-references were not adopted wholesale. Public original capture was retried on 10 September 2026 and again returned HTTP 403; the live web-reader text remained readable. No hash or exact original-retrieval timestamp is invented. This remains the one catalogue source without a retained original hash after the retail expansion. Independent public re-audit dated 27 September 2026 reported this source as changed and requiring revalidation; the production check window was 19-20 September. Its exact per-source timestamp is not present in the retained audit.
Status basis
A source change or revalidation is awaiting review.
Recent document checks
: changed, document c757f16b513c
: changed, document b409ddbd71d4
: changed, document 0a1e529708a8
: changed, document 67c205f73cf3
: changed, document 80d67e53decb
Mapped requirements
No mapped requirement is available in this selected reading view.
National risikovurdering af terrorfinansiering
Source check failed
Politiets Efterretningstjeneste (PET)
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
risk assessment
Version
Third national assessment, published January 2024; PDF running footer says 2023
Downloaded original: data/country-handbook-evidence/dk/pet-tf-nra-2024.pdf. 56 pages, 3,554,102 bytes. PET's 8 January 2024 publication page links this original. Inspected introduction p. 7 and chapter 12 pp. 40-43 on banks, including accounts, cash, consumer credit and payment cards. Latest published national terrorist-financing assessment located in this pass, not a guarantee of current sector conditions. Different from PET's annually updated general terrorist-threat assessment. Contextual typologies, not legal customer-risk thresholds.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 6c79d23a1f02
: unchanged, document 6c79d23a1f02
: unchanged, document 6c79d23a1f02
: unchanged, document 6c79d23a1f02
: unchanged, document 6c79d23a1f02
Mapped requirements
No mapped requirement is available in this selected reading view.
Downloaded original: data/country-handbook-evidence/dk/fiu-nra-index-20260910.html. 21,675 bytes; official page read online and retained. Lists the 2022 assessment and its 2022-2025 horizon. No published 2026 replacement verified here. Publication status evidence only, not substantive authority for CDD or a substitute for reading the assessment. Independent public re-audit dated 27 September 2026 reported this source as changed and requiring revalidation; the production check window was 19-20 September. Its exact per-source timestamp is not present in the retained audit.
Status basis
A source change or revalidation is awaiting review.
Recent document checks
: changed, document 2a8c186947dc
: changed, document eb9c69d5da58
: changed, document c6ed63b5c86e
: changed, document a000ab5c3223
: changed, document a7dec8247415
Mapped requirements
No mapped requirement is available in this selected reading view.
Downloaded original: data/country-handbook-evidence/dk/fiu-annual-report-2025.pdf. 9,021,857 bytes. Inspected colophon and section 5, p. 44, announcing a 2026 NRA in separate Denmark, Greenland and Faroe Islands editions. An announcement is not publication or operative assessment evidence. Other annual-report statistics and typologies were not comprehensively mapped.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document b42a7d27c277
: unchanged, document b42a7d27c277
: unchanged, document b42a7d27c277
: unchanged, document b42a7d27c277
: unchanged, document b42a7d27c277
Mapped requirements
No mapped requirement is available in this selected reading view.
Bekendtgoerelse om flytning af betalingskonti eller betalingsordrer
Source check failed
Retsinformation / Erhvervsministeriet
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
legislation
Version
BEK nr 1761 af 01/09/2021; commencement 01/10/2021
Downloaded original: data/country-handbook-evidence/dk/bek-1761-2021-switching.pdf. 3 pages, 166,507 bytes. Native Retsinformation text marked Gaeldende; full sections 1-9 inspected. Maps domestic consumer same-currency consent, provider tasks, deadlines, continuity, information, costs and closure conditions. Section 2's borrowed definitions and section 6's direct-debit-rights cross-reference do not establish a full payments-law map. No operational switching calendar or provider test was performed.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document a1c880cfb995
: unchanged, document a1c880cfb995
: unchanged, document a1c880cfb995
: unchanged, document a1c880cfb995
: unchanged, document a1c880cfb995
Mapped requirements
Retningslinjer om restriktive foranstaltninger
Source check failed
European Banking Authority
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
20 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
guidance
Version
EBA/GL/2024/14 and EBA/GL/2024/15, Danish combined text; applicable 30/12/2025
Downloaded original: data/country-handbook-evidence/dk/eba-restrictive-measures-2024-da.pdf. 32 PDF pages (printed pp. 11-42), 359,323 bytes. Exact Danish download located on the official EBA publication page; web PDF reader returned 403 but the public download returned a valid PDF. Both guidelines appear in the current Finanstilsynet AML index. Read legal status, scope and application, then institutional section 4 paras. 22-33 and payment-provider section 4 paras. 3-21, 31-38, 47-57. Paragraph numbering restarts between sections and guidelines. Article 16 supervisory guidelines, not Danish statutory enactment; formal Danish compliance notification not independently verified. Crypto-specific provisions and complete restrictive-measures regimes excluded; paragraph 19's Article 5d instant-payment exception is preserved.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document e9a9f1543954
: unchanged, document e9a9f1543954
: unchanged, document e9a9f1543954
: unchanged, document e9a9f1543954
: unchanged, document e9a9f1543954
Mapped requirements
No mapped requirement is available in this selected reading view.
Retningslinjer vedroerende anvendelsen af loesninger til fjernonboarding af kunder
Downloaded original: data/country-handbook-evidence/dk/eba-remote-onboarding-2022-da.pdf. 17 pages, 223,817 bytes. Actual Danish link discovered on the official EBA publication page after an incorrect candidate returned 404 and was not retained. Current Finanstilsynet AML index links the guidelines. Inspected legal status, scope/application and section 4 paras. 9-28, 33-54; entity-specific paras. 29-32 are not part of this individual delta. Qualifying eID/trust-service treatment is paragraph-specific (15, 25, 45); paragraph 44 additional controls are examples. Article 16 guidance, not a statutory universal biometric rule. No vendor, privacy or technical-assurance validation.
Downloaded original: data/country-handbook-evidence/dk/lbk-463-2026-payments.pdf. 49 pages, 617,829 bytes. Inspected sections 72(3) and 75(1)-(5), pp. 22-23, for consumer framework notice, termination fees and proportional prepaid-fee refunds. The statute preserves separate basic-account rules and the AML exception. Amendment impact check: retained Act 711/2025 section 2, Act 729/2026 section 16 and future Act 764/2026 section 3 do not amend these selected provisions. This is not an exhaustive Payments Act/currentness audit or an inferred common historical commencement date.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
: unchanged, document 7bd57c83efe3
Mapped requirements
Forordning (EU) 2023/1113 om oplysninger ved pengeoverfoersler
Retained original: data/country-handbook-evidence/dk/eu-tfr-2023-1113-da-20260911.pdf; 771970 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Authentic Danish OJ. Inspected Articles 2-13, 23-26, 32(2), 35 and 39-40, pp. 13-21, 25-30, 36. Live document-information original retained as 32023R1113-currentness-20260911.html. German/Spanish corrigenda and the future Article 38 change do not amend the mapped Danish payment-provider provisions. Article 4(2)(c) contains a payer/payee wording issue in Danish; no universal natural-person LEI duty is inferred. EBA/GL/2024/11 and technical message implementation remain separate review items.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 523a600af229
: unchanged, document 523a600af229
: unchanged, document 523a600af229
: unchanged, document 523a600af229
: failed, document 523a600af229
Mapped requirements
Forordning (EU) 260/2012 om eurobetalinger, konsolideret
Retained original: data/country-handbook-evidence/dk/eu-sepa-260-2024-da-20260911.pdf; 366071 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Official consolidation is a documentation tool, not an authentic amending act. Articles 1-2 and 5a-5d checked with retained authentic 32012R0260-da-20260911.pdf, the 2024/886 OJ and Danish 2025 corrigendum. Current-version metadata retained. Danish Article 5d(2), second subparagraph, has a wording discrepancy against English; the English authentic OJ supplies the explicit other-than-targeted reservation, flagged for independent language review.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 5ae2d089449a
: unchanged, document 5ae2d089449a
: unchanged, document 5ae2d089449a
: unchanged, document 5ae2d089449a
: failed, document 5ae2d089449a
Mapped requirements
No mapped requirement is available in this selected reading view.
Forordning (EU) 2024/886 om strakskreditoverfoersler i euro
Source check failed
European Union / EUR-Lex
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
19 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
legislation
Version
Authentic Danish OJ 19 March 2024, read with corrigenda
Retained original: data/country-handbook-evidence/dk/eu-ipr-2024-886-da-20260911.pdf; 692542 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Article 1(1)-(2), pp. 8-13; Article 6 commencement, p. 20. Do not read the original Danish non-euro timetable without the retained 2025 corrigendum. Enacted future offering deadlines are not certification of the law at those future dates.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document c038e0b27e59
: unchanged, document c038e0b27e59
: unchanged, document c038e0b27e59
: unchanged, document c038e0b27e59
: failed, document c038e0b27e59
Mapped requirements
No mapped requirement is available in this selected reading view.
Retained original: data/country-handbook-evidence/dk/eu-ipr-2024-en-20260911.pdf; 681822 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Article 1 inserts Article 5d: p. 13 requires daily/immediate user checks and prohibits additional transaction-level targeted-financial-measures verification in the specified instant-transfer case; expressly preserves other restrictive measures and AML. Read alongside Danish original and corrigendum, not as evidence of a Danish corrigendum to the reservation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 3ab34a7009e2
: unchanged, document 3ab34a7009e2
: unchanged, document 3ab34a7009e2
: unchanged, document 3ab34a7009e2
: failed, document 3ab34a7009e2
Mapped requirements
No mapped requirement is available in this selected reading view.
Retained original: data/country-handbook-evidence/dk/eu-ipr-corrigendum-2025-da-20260911.pdf; 870785 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Authentic one-page correction items 1-2 restore 'ikke' in Article 5a(8), second subparagraph, and Article 5c(9), second subparagraph. These are non-euro Member State deadlines. Earlier Danish corrigendum 2024/90265 also corrects Article 5a(8); the July 2025 third corrigendum concerns German Article 5d.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document f8a4cab3cdfb
: unchanged, document f8a4cab3cdfb
: unchanged, document f8a4cab3cdfb
: unchanged, document f8a4cab3cdfb
: failed, document f8a4cab3cdfb
Mapped requirements
No mapped requirement is available in this selected reading view.
Retained original: data/country-handbook-evidence/dk/eu-terrorism-2580-2026-da-20260911.pdf; 333020 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Articles 1(k)-(l), 2-5 and 10, pp. 4-10 and 14; current-version metadata retained. The inspected authentic 2026/456 replaces the operative provisions: do not reuse pre-amendment Article 5/6 licensing locators. Annexes II/III are not a live screening feed.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 3c1b61420e59
: unchanged, document 3c1b61420e59
: unchanged, document 3c1b61420e59
: unchanged, document 3c1b61420e59
: failed, document 3c1b61420e59
Mapped requirements
No mapped requirement is available in this selected reading view.
Forordning (EU) 2026/456 om aendring af forordning 2580/2001
Retained original: data/country-handbook-evidence/dk/eu-terrorism-amendment-2026-456-da-20260911.pdf; 1100026 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Article 1 replaces Articles 1-8, inserts further provisions and replaces annexes; Article 2 provides next-day commencement. Original supplies ownership/control, freezing, licence, reporting and frozen-credit rules cross-checked with the 27 February consolidation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 6dabac4de157
: unchanged, document 6dabac4de157
: unchanged, document 6dabac4de157
: unchanged, document 6dabac4de157
: failed, document 6dabac4de157
Mapped requirements
No mapped requirement is available in this selected reading view.
Retained original: data/country-handbook-evidence/dk/eu-terrorism-881-2026-da-20260911.pdf; 1772017 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Selected Articles 2, 2a, 2b and 5, pp. 17-20; current-version metadata retained. Authentic base and amendments 1286/2009, 596/2013, 2016/363 and 2023/720 retained for locator reconciliation. Annex I/Ia distinctions and humanitarian carve-out retained. No universal ownership percentage is imported from another regulation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 5831fce1d50f
: unchanged, document 5831fce1d50f
: unchanged, document 5831fce1d50f
: unchanged, document 5831fce1d50f
: failed, document 5831fce1d50f
Mapped requirements
No mapped requirement is available in this selected reading view.
Retained original: data/country-handbook-evidence/dk/eu-taliban-753-2024-da-20260911.pdf; 742501 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Selected Articles 3-6 and 8, pp. 4-7; current-version metadata checked and retained on 11 September 2026 local time. Authentic base and 2022/148 humanitarian amendment retained. Not a country-wide prohibition on ordinary Afghan customers.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 0a392a59d940
: unchanged, document 0a392a59d940
: unchanged, document 0a392a59d940
: unchanged, document 0a392a59d940
: failed, document 0a392a59d940
Mapped requirements
No mapped requirement is available in this selected reading view.
Retained original: data/country-handbook-evidence/dk/eu-russia-833-2026-da-20260911.pdf; 8783539 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Selected Articles 5b-5d and 5g, pp. 105-110; broader transaction restrictions inventoried, not fully mapped. Authentic amendments 2022/328, 2022/1269, 2023/2878 and 2025/2033 retained. Current-version metadata retained. Account-access credentials are a narrow exception, not permission to issue every payment instrument. No exhaustive annex/list or derogation audit.
Retained original: data/country-handbook-evidence/dk/eu-belarus-765-2026-da-20260911.html; 9578158 bytes. Capture timestamp records original-file acquisition in UTC (11 September 2026 local time). Official native-language HTML retained after the current Danish and English PDF endpoints returned 404. Articles 1u-1w and 1z inspected; Articles 2-5 and 1zb inventoried. Authentic amendments 2022/398, 2025/392 and 2025/2041 retained. Current-version metadata retained separately. Consolidation is not the authentic amending act or a live list. Independent public re-audit dated 27 September 2026 reported this source as changed and requiring revalidation; the production check window was 19-20 September. Its exact per-source timestamp is not present in the retained audit.
Status basis
A source change or revalidation is awaiting review.
Recent document checks
: changed, document e63e50137f3e
: changed, document 7d76ea5c9f37
: changed, document 4bb389b55bba
: changed, document 51d6d222a4d4
: failed, document f034dd2cd9b1
Mapped requirements
No mapped requirement is available in this selected reading view.
Bekendtgoerelse om gennemfoerelse af risikobegraensende foranstaltninger ved overfoersel af kryptoaktiver, der er rettet mod eller stammer fra en selvhostet adresse
Source check failed
Retsinformation / Finanstilsynet
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
11 Sept 2026
Extraction
captured
Latest automated check
19 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
legislation
Version
BEK nr 1143 af 29/10/2024; section 8 commencement 30/12/2024
Actual Danish official PDF retained at data/country-handbook-evidence/dk/bek-1143-2024-self-hosted-20260911.pdf (134158 bytes, 2 pages). Sections 1-8 inspected from the original and checked through official web access on 11 September 2026. The section 2 one-or-more proportionate-measures structure is retained; third parties and DLT analytics are examples, not mandatory products. No translation-only evidence or reconstructed original.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document cc022fc9614f
: unchanged, document cc022fc9614f
: unchanged, document cc022fc9614f
: unchanged, document cc022fc9614f
: unchanged, document cc022fc9614f
Mapped requirements
No mapped requirement is available in this selected reading view.
Bekendtgoerelse om en central automatisk mekanisme for oplysninger om betalingskonti, bankkonti og deponeringsbokse
Source check failed
Retsinformation / Finanstilsynet
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
11 Sept 2026
Extraction
captured
Latest automated check
19 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
legislation
Version
BEK nr 1114 af 25/08/2023; section 7 commencement 01/09/2023
Actual Danish official PDF retained at data/country-handbook-evidence/dk/bek-1114-2023-account-mechanism-20260911.pdf (147774 bytes, 2 pages). Sections 1-7 inspected; linked by the live Finanstilsynet AML legislation index checked on 11 September 2026. Provider and operator duties, response deadlines and the distinct log/request retention periods are not interchangeable. No connection to the mechanism was attempted.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 26ce668e6e72
: unchanged, document 26ce668e6e72
: unchanged, document 26ce668e6e72
: unchanged, document 26ce668e6e72
: unchanged, document 26ce668e6e72
Mapped requirements
Retningslinjer vedroerende rejsereglen
Source check failed
European Banking Authority
Source diagnostics
Lifecycle
Source check failed
Language
da
Retrieved
11 Sept 2026
Extraction
captured
Latest automated check
19 Sept 2026
Check outcome
unchanged
Evidence review
unvalidated
Type
guidance
Version
EBA/GL/2024/11, 4 July 2024; corrected Danish text; applies 30 December 2024
Retained original: data/country-handbook-evidence/dk/eba-travel-rule-2024-da-20260911.pdf; 376419 bytes, 26 pages. All paragraphs 1-94 inspected. Live EBA publication page and Finanstilsynet index checked on 11 September 2026; the EBA index original is retained separately. Paragraph 24 relief ended 31 July 2025. Danish Article 4(2)(c) and paragraph 81 wording qualifications are expressly reconciled, not represented as statutory corrigenda.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document 57bad43838db
: unchanged, document 57bad43838db
: unchanged, document 57bad43838db
: unchanged, document 57bad43838db
: unchanged, document 57bad43838db
Mapped requirements
EU's bedste praksis for effektiv gennemfoerelse af restriktive foranstaltninger
Retained original: data/country-handbook-evidence/dk/council-sanctions-best-practices-2024-da.pdf; 403925 bytes, 42 pages. Selected paragraphs 3 and 62-72 inspected in Danish. Non-binding best practices; specific operative regulations prevail. Official online original checked on 11 September 2026, not a claim that every later sanctions interpretation has been exhausted.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document d8e17c789c58
: unchanged, document d8e17c789c58
: unchanged, document d8e17c789c58
: unchanged, document d8e17c789c58
: unchanged, document d8e17c789c58
Mapped requirements
No mapped requirement is available in this selected reading view.
Ansvarlige myndigheder
Source changed
Udenrigsministeriet
Source diagnostics
Lifecycle
Source changed
Language
da
Retrieved
11 Sept 2026
Extraction
captured
Latest automated check
19 Sept 2026
Check outcome
changed
Evidence review
requires-revalidation
Type
guidance
Version
Live Danish authority directory inspected 11 September 2026
Retained original: data/country-handbook-evidence/dk/um-sanctions-authorities-core-20260911.html; 115533 bytes. Native headings for freezing, financial services and criminal investigation inspected. Foreign Ministry footer identifies CVR 43271911; Finanstilsynet's official sanctions page links the Ministry's authority allocation. This directory is primary published responsibility evidence, not a substitute for each operative derogation. Independent public re-audit dated 27 September 2026 reported this source as changed and requiring revalidation; the production check window was 19-20 September. Its exact per-source timestamp is not present in the retained audit.
Status basis
A source change or revalidation is awaiting review.
Recent document checks
: changed, document bdda5c8bbb3f
: changed, document a25beec58e80
: changed, document 14986458694f
: changed, document b5857fbf6e3c
: changed, document 46ee98f8903c
Mapped requirements
No mapped requirement is available in this selected reading view.
Clarification of requirements of the Instant Payments Regulation
Retained original: data/country-handbook-evidence/dk/ec-ipr-clarifications-2025-en.pdf; 743357 bytes, 84 pages. Questions 151-171, pp. 64-73, inspected; official online PDF checked on 11 September 2026. Non-binding Commission-services clarification, read with retained authentic Danish and English legislation and Danish recital 26. It does not claim to correct the Danish reservation wording or establish EEA incorporation.
Status basis
The source could not be extracted successfully.
Recent document checks
: unchanged, document eab7682f69e7
: unchanged, document eab7682f69e7
: unchanged, document eab7682f69e7
: unchanged, document eab7682f69e7
: unchanged, document eab7682f69e7
Mapped requirements
No mapped requirement is available in this selected reading view.
Sanktioner mod Rusland og Belarus
Source changed
Finanstilsynet
Source diagnostics
Lifecycle
Source changed
Language
da
Retrieved
10 Sept 2026
Extraction
captured
Latest automated check
19 Sept 2026
Check outcome
changed
Evidence review
requires-revalidation
Type
guidance
Version
Live Danish supervisory explanation; rechecked 11 September 2026
Retained original: data/country-handbook-evidence/dk/ft-sanctions-20260911.html; 126396 bytes. Original captured 11 September local time. Section 47 supervision and Ministry/ERST authority links inspected. Statutory duties and frequencies are taken from the retained regulations, not this page's abbreviated examples; in particular Article 5r(2) is half-yearly for institutions, not quarterly. Independent public re-audit dated 27 September 2026 reported this source as changed and requiring revalidation; the production check window was 19-20 September. Its exact per-source timestamp is not present in the retained audit.
Status basis
A source change or revalidation is awaiting review.
Recent document checks
: changed, document 5e4fbf8eb91a
: changed, document d100fbd43026
: changed, document 071872d219e0
: changed, document cb291e317457
: changed, document e37f51628b00
Mapped requirements
No mapped requirement is available in this selected reading view.
PEP-listen Danmark
Evidence captured
Finanstilsynet
Source diagnostics
Lifecycle
Evidence captured
Language
da
Retrieved
Not recorded
Extraction
not captured
Latest automated check
28 Sept 2026
Check outcome
first-observation
Evidence review
unvalidated
Type
operational list
Version
Page states list updated 2026-09-22
SHA-256
Not recorded
Source notes
The official Finanstilsynet page states that the Denmark PEP list was last updated on 22 September 2026. The list itself has not been captured or reconciled here; it is not evidence of an operational screening control. The source has not been retained as bytes in this package; no retrieval timestamp or hash is asserted.
Status basis
The source is not confirmed as current.
Source evidence has been captured, but currentness is not established.
Recent document checks
: first-observation, document ac086faf253e
Mapped requirements
No mapped requirement is available in this selected reading view.
Bekendtgorelse om indberetning og offentliggorelse af oplysninger om indenlandske politisk eksponerede personer
Evidence captured
Retsinformation
Source diagnostics
Lifecycle
Evidence captured
Language
da
Retrieved
Not recorded
Extraction
not captured
Latest automated check
28 Sept 2026
Check outcome
first-observation
Evidence review
unvalidated
Type
legislation
Version
BEK 658/2023
SHA-256
Not recorded
Source notes
Listed by Finanstilsynet AML index as the Danish PEP reporting order. Provisions, amendments and relation to the current list have not been captured or mapped in this package. The source has not been retained as bytes in this package; no retrieval timestamp or hash is asserted.
Status basis
The source is not confirmed as current.
Source evidence has been captured, but currentness is not established.
Recent document checks
: first-observation, document 8fab6b26ad7a
Mapped requirements
No mapped requirement is available in this selected reading view.
Bekendtgorelse om betingelser for etablering af datterselskaber, filialer eller repraesentationskontorer af virksomheder og personer fra hojrisikotredjelande
Evidence captured
Retsinformation
Source diagnostics
Lifecycle
Evidence captured
Language
da
Retrieved
Not recorded
Extraction
not captured
Latest automated check
28 Sept 2026
Check outcome
first-observation
Evidence review
unvalidated
Type
legislation
Version
BEK 1064/2024
SHA-256
Not recorded
Source notes
A current Retsinformation page identifies the official order governing specified high-risk third-country establishments. Its exact current text and mapping against the existing group-control row remain to be reviewed. The source has not been retained as bytes in this package; no retrieval timestamp or hash is asserted.
Status basis
The source is not confirmed as current.
Source evidence has been captured, but currentness is not established.
Recent document checks
: first-observation, document 6f682b3a4fe2
Mapped requirements
No mapped requirement is available in this selected reading view.
Bekendtgorelse om indberetning af oplysninger til brug for Finanstilsynets risikovurdering
Evidence captured
Retsinformation
Source diagnostics
Lifecycle
Evidence captured
Language
da
Retrieved
Not recorded
Extraction
not captured
Latest automated check
28 Sept 2026
Check outcome
first-observation
Evidence review
unvalidated
Type
legislation
Version
BEK 1062/2024
SHA-256
Not recorded
Source notes
Listed in the Finanstilsynet AML index; applicability, operative provisions and relationship to the mapped risk duties have not been reviewed. The source has not been retained as bytes in this package; no retrieval timestamp or hash is asserted.
Status basis
The source is not confirmed as current.
Source evidence has been captured, but currentness is not established.
Recent document checks
: first-observation, document ca8f1a4d4618
Mapped requirements
No mapped requirement is available in this selected reading view.
Bekendtgorelse om, hvilke virksomheder og personer der kan undtages fra hvidvaskloven
Evidence captured
Retsinformation
Source diagnostics
Lifecycle
Evidence captured
Language
da
Retrieved
Not recorded
Extraction
not captured
Latest automated check
28 Sept 2026
Check outcome
first-observation
Evidence review
unvalidated
Type
legislation
Version
BEK 2364/2021
SHA-256
Not recorded
Source notes
Listed by Finanstilsynet as the AML exemption order. Exemption criteria and their effect on this handbook perimeter have not been reviewed; no exemption is inferred. The source has not been retained as bytes in this package; no retrieval timestamp or hash is asserted.
Status basis
The source is not confirmed as current.
Source evidence has been captured, but currentness is not established.
Recent document checks
: first-observation, document 0f4d9541c896
Mapped requirements
No mapped requirement is available in this selected reading view.
Bekendtgorelse om lempede krav til kundekendskabsproceduren for udstedere af elektroniske penge
Evidence captured
Retsinformation
Source diagnostics
Lifecycle
Evidence captured
Language
da
Retrieved
Not recorded
Extraction
not captured
Latest automated check
28 Sept 2026
Check outcome
first-observation
Evidence review
unvalidated
Type
legislation
Version
BEK 311/2020
SHA-256
Not recorded
Source notes
Listed by Finanstilsynet as a simplified CDD order for e-money issuers. Conditions and interaction with the mapped CDD rows have not been reviewed; no simplified-measure eligibility is asserted. The source has not been retained as bytes in this package; no retrieval timestamp or hash is asserted.
Status basis
The source is not confirmed as current.
Source evidence has been captured, but currentness is not established.
Recent document checks
: first-observation, document 3af0c6e2e669
Mapped requirements
No mapped requirement is available in this selected reading view.
Bekendtgorelse om indberetning af uoverensstemmelser i oplysninger om reelle ejere
Evidence captured
Retsinformation
Source diagnostics
Lifecycle
Evidence captured
Language
da
Retrieved
Not recorded
Extraction
not captured
Latest automated check
28 Sept 2026
Check outcome
first-observation
Evidence review
unvalidated
Type
legislation
Version
BEK 1376/2019
SHA-256
Not recorded
Source notes
Listed by Finanstilsynet as the beneficial-owner discrepancy reporting order. The reporting trigger, route and relation to register checks have not been reviewed. The source has not been retained as bytes in this package; no retrieval timestamp or hash is asserted.
Status basis
The source is not confirmed as current.
Source evidence has been captured, but currentness is not established.
Recent document checks
: first-observation, document 8229a2148f66
Mapped requirements
No mapped requirement is available in this selected reading view.
Council Implementing Regulation (EU) 2026/2160 of 22 September 2026
Source check failed
Council of the European Union / EUR-Lex
Source diagnostics
Lifecycle
Source check failed
Language
en
Retrieved
Not recorded
Extraction
not captured
Latest automated check
28 Sept 2026
Check outcome
failed
Evidence review
verification-unavailable
Type
legislation
Version
OJ L 2026/2160, 22 September 2026
SHA-256
Not recorded
Source notes
The Official Journal act amends Annex I to Regulation 269/2014: it updates information concerning 104 individuals and 71 entities and deletes seven entries. The act is recorded as a known sanctions delta, not as a complete designation list or customer-clearance result. The PDF has not been retained or reconciled with a current complete list; no hash or retrieval timestamp is asserted.
Status basis
The latest source check failed.
Recent document checks
: failed
Mapped requirements
No mapped requirement is available in this selected reading view.
Financial-sector AML supervisor and issuer of the inspected AML and MitID guidance; publishes the Danish AML legislative index.
Related sources in this handbook
No source in this selected handbook view is directly labelled with this authority.
Country authority or guidance body
Hvidvasksekretariatet, National Enhed for Saerlig Kriminalitet
Denmark
Role and responsibilities
Denmark's operationally independent financial intelligence unit under AML Act section 29; receives and analyses suspicious reports, requests information and produces the national money-laundering risk assessment.
Related sources in this handbook
No source in this selected handbook view is directly labelled with this authority.
