Handelsbanken Danmark 

After getting the tough news that my father had been diagnosed with cancer and needed immediate treatment, I reached out to Zurich on get some advice on how to deal with a family trip my family and I had recently booked.
After two phone calls and email correspondence back and forth they advised me to cancel the trip and apply for them to cover the loses.

A few days after cancelling our trip they returned and said they were not able to cover our loses due to their insurance policy.

So instead of giving us that advice in the beginning so we would not cancel the trip, they took away our possibility of re-selling or just give the trip to somebody else, to enjoy some time together.

We learned that Handelsbanken customers are not as good insured as other similar banks with a Mastercard insurance.

Handelsbanken always give me good service. Very personal and nice service. Good IT system.

in Denmark they are surprisingly bad, especially given the statements on the website regarding their customer focus. They ignored my application initially; i visited the branch and prompted them, then they processed it; they tried to persaude me that i didn't want an account during the set up, but i said they seemed a good bank and i wanted to proceed; once the account was set up they made a few mistakes, eg forgetting to order a credit card, and they ignored my emails (they encourage you to email thru netbank which is then ignored). When I phoned to close the account after a week or two (they were so bad it was pointless continuing) the person who asnwered seemed pleased (I'd had no prior contact with her). Based on this experience I can only speculate that they dont want 'small' private customers, eg maybe it's not worth the overhead? Therefore, if you are in Denmark the safe option is one of the 'big' banks, especially if you're a foreigner. But fi you're a very rich Dane maybe Handelsbanken are more responsive?

Other banks give benefits to customers but this bank just deduct money all the time for every small reasons. Service and net bank are really bad. I'd not recommend this bank to anyone. Please stay away from having an account in this bank.

Super go bank, go service & billig