Nordea Danmark Reviews 

Frustrating Experience with Nordea – Delayed Card Replacement and Poor Communication

I am extremely disappointed with Nordea's handling of a recent issue with my bank card, and I feel compelled to share my experience to warn others.

Last Saturday, **25th January 2025**, my bank card was unexpectedly blocked. When I contacted Nordea to find out why, I was told that a malicious company had attempted to withdraw money from my account, prompting the block. While I understand the need for security measures, the way this situation was handled has caused significant inconvenience and frustration.

I asked Nordea to provide details about the malicious company and requested that my card be unblocked. However, I was informed that unblocking was not possible, and I would need to apply for a new card. The customer service representative assured me that the replacement card would be sent **free of charge within a week**. A week has now passed, and I still have not received the new card.

Upon checking Nordea’s website, I discovered that standard card delivery can take up to **three weeks**, unless a fee of **250 DKK** is paid for expedited delivery. This critical information was not communicated to me during my initial call, and I find it unacceptable that I am now left without a functioning card during such an important time.

As a result of this delay, my monthly bills, including my phone bill, have not been paid automatically, and I have already received notifications about missed payments. This situation has caused unnecessary stress and could lead to additional financial penalties.

Here are the key issues I encountered:
1. **Lack of Transparency**: Nordea failed to clearly inform me about the extended delivery timeline for replacement cards unless a fee is paid.
2. **Financial Inconvenience**: The timing of this issue, occurring just before the end of the month when bills are due, has made the situation even worse. It feels unfair that I am now indirectly pressured to pay an additional fee to avoid further financial consequences.
3. **Poor Customer Service**: As a customer, I expect Nordea to prioritize my financial well-being and provide timely solutions, especially when the issue arises from the bank’s own security measures.

What makes this situation even more suspicious is the timing of the card block—just days before the end of the month when most bills are due. It feels almost too convenient that this happened at a time when customers are most vulnerable and might feel forced to pay the **250 DKK** fee to avoid missing payments. Is this a genuine security measure, or is it a way to push customers into paying for expedited services?

I hope Nordea takes this feedback seriously and improves its policies and communication to prevent similar issues for other customers. However, this experience has left me questioning the integrity of their practices. I would caution others to be vigilant when dealing with Nordea and to consider whether this is the kind of bank they want to trust with their finances.

I had been a Nordea customer since childhood and kept my account with them even after moving abroad. For nine years, I maintained my account, paying the 1,000 DKK yearly fee they charge Danes living abroad. I gladly paid this fee because I wanted to keep my account and was repeatedly assured by Nordea that as long as I paid the fee and used the account, it would stay open.

The account was important to me. I used it regularly—for example, to send birthday gifts to my nephews or manage expenses when we visited Denmark (which we do every year). I also used it to pay back my student loan. About a year ago, Nordea even called me to reassure me that my account was safe. The lady I spoke to specifically said they would never close my account as long as I paid the fee and used it to pay off my student loan. That gave me peace of mind.

Then, a few months ago, Nordea suddenly informed me they would close my account. When I asked why, they couldn’t give me a clear explanation. Despite multiple phone calls, all I got were vague answers like, “this is just how it is now.” They couldn’t point to a policy change or provide any documentation to back up their decision.

Because of this, I lost money when I had to transfer my funds to a foreign account at a poor exchange rate. If Nordea had been honest with me earlier, I could have avoided this loss. And what about the yearly fee I paid as a safeguard? I paid it in good faith, trusting their assurances, but it turned out to mean nothing.

Nordea has been my bank for decades, but their actions show they don’t value long-term customers or their loyalty. I know they’ll probably respond with generic excuses about “policy changes” or “compliance,” but it doesn’t change the fact that they broke their promises and treated me unfairly.

If you’re considering Nordea, I can’t recommend them. When we eventually move back to Denmark, we won’t be returning to Nordea. They’ve lost my trust for good.

There had been an issue setting up my account, but it was resolved extremely quickly and I received my bank account within a few days (including the issue). Definitely the fastest option to get a bank account in Denmark - I tried danske bank and I tried lunar, they both are still not ready.

Very happy with the customer service I received, thank you Nordea !!

Opresiv financial instytution. They will take all your money and you will lost control on them.
Nordea salesman openly judge me as to poor to open biznes and acount. Mobil app dosnt work with MitId. Fx with ducduck browser onboard.
Upgrade 21/01. Maybe Il clik the link if your mobil app begin work. Waiting time for pickup the phone 61min. Its awso not possible to authoriz mi/your mobil wallet app. So I cant fully used serwises.

The worst customer experience I have ever had in a bank. The agents there at the bank counters are not aware of their own service details. Had to wait a very long time before I got my card. There is no consistency between their own agents. They forget to order debit cards, which takes at least 14 days, that too after the account is created (which takes over a month).

THE WORST BANK SERVICE IN MY LIFETIME EXPERIENCE!

Overcomplicated Processes and Unprofessional Service!

My experience with Nordea has been extremely frustrating. They overcomplicate even the simplest tasks, making customers do all the work. For example, if you ask them to upload your documentation, they charge you extra.

It makes me wonder, what are their paid employees actually there for if they can’t handle basic banking responsibilities?

I applied for a small loan to help with an apartment purchase, an amount I should easily qualify for given my circumstances.

I uploaded all the required documentation: countless bank statements, expense templates, pension reports, and more. Despite following every step, it’s been over three months, and I still haven’t received a response.

When I called to follow up, the employee apologized and assured me I’d get an answer within three days. Over two weeks later, I heard nothing. I called again, only to be told I should visit one of their offices to discuss the matter in person.

The lack of professionalism, accountability, and respect for their customers’ time is astounding. This level of service is unacceptable for a bank of their stature. I can’t recommend Nordea to anyone seeking a reliable or efficient banking partner.

I hate to write this down as I have also been with them for nearly 15 years now but I think it’s time to say things as it is.

UPDATE: it’s the 6th of February 2025 and still nobody from Nordea has bothered to contact me.
2nd UPDATE: it’s the 4th of September2025 and nobody has yet contacted me about my inquiry. After I spent all the time, filling out, pulling reports with all the data they ask for, it would be only professional of them contact me back and give mean update.

UPDATE: 09.09.2025 I’ve called twice in two days and tried to reach the branch in Glostrup that handles associations cases. Customer service operator tries to put me through, no answer and I always get the same message “we will leave an Urgent message for them so they call you the next day!”.
Of course that doesn’t happen and the cycle repeats itself EVERY SINGLE TIME.
I’ve also suggested a in person meeting to see what we can do to fix this and also to avoid all this time waisting in the future….no reply to that.
The unprofessionalism here is off the charts.

UPDATE: thank you Mia, contact details forwarded. I look forward to hearing back from you and how to solve this ongoing issue now and how to prevent it in the future for similar situations.

UPDATE: 03.10.2025 so a month ago I was called by a very nice Nordea rep. He was helpful and assured me that my loan request would be looked into and that max within a week I would have an answer from Lasse.
It’s been 13 months and 6 days since I’ve submitted all the required documentation that I was asked for and still no answer.

Businesses app is the worst . Advisor is the worst

I’m a non-Danish citizen working in Denmark, and I needed to open an account at Nordea to get my salary. I called their customer service to book an appointment at their Lyngby branch. They told me to come the next day at 10:00 AM. I gathered all my documents—passport, work contract, residence permit, yellow card—and showed up on time. When I got there, they asked me to wait. Even after an hour, no one called me. So, I went to the counter to ask about my appointment. They just said, “Sorry, we didn’t schedule your appointment in the system. We’re fully booked until the end of next week. Come back in a week.” I told them they had asked me to come today with my documents. They just shrugged and said, “Yeah, sometimes that happens over the phone. We can’t do anything about it.” It was super frustrating. They wasted my time and a whole week. Now, I’m thinking about finding another bank that actually values their customers.

Becoming worse and worse day by day !
Every single step they consider is certainly toward customer dissatisfaction! Any other bank would be a better choice examples :
1- all information about my old payment was suddenly gone without any pre warning then I had to ask for report and pay to get old statements which was originally in my account history
2- mistakes I my credit cards which caused me paying interest of 14% of transactions never made
3- lack of visibility in expenses for credit cards which caused you never know for what you pay and why as transactions are not visible in your account history

I am sorry to say, but for the last 2 weeks, nordea.dk and mobile app performance is terrible, it's damn slow, and most users can't login or navigate around the site.

Do you have any plan to optimise the system, to resolve the issue at all??

Best Regards
Danyal

About a month and a half ago, suddenly my card stopped working in online payments... As I've contacted them, they said it was due to security concerns and would emit another one ASAP. Fine for me.

This next card, after 4 weeks never arrived, instead, what I've got was a letter telling me that if I didn't use the card in the next day it would be blocked and useless, being a huge disservice. In the supposed day that it would be blocked, to my surprise, ALL my current cards got closed without any previous information, essentially locking me out of all my money, prohibiting me for doing groceries and making my bills late if a new card doesn't arrive ASAP.

Worst customer service I have ever experienced in bank. You call the help number and you go through machine options as there is no one to talk to you.
After trying 4 or 5 options I always get the message 'please contact your bank to handle card issues'.
I was calling my bank...
Online chat also uses a robot that is useless and waiting for an operator has a 15min average wait time.

This was the worst and most racist experience I've ever had with a bank. I had an appointment with an advisor for a home loan. As an EU citizen, I informed her that I could provide a 20% down payment and needed a mortgage of approximately 3.5 million kroner. I also explained that my family's monthly income is over 95 thousand kroner before tax. Unfortunately, my wife is not an EU citizen, although we have been happily married for 16 years and have two children. After the bank advisor learned that my wife is not an EU citizen, she asked me to deposit 30% as a down payment. If I provided the 30% down payment, she could only offer me 1.8 million kroner for an apartment or 1.4 million kroner for a villa.I then asked her if she could find a villa in the Copenhagen area that costs 1.4 million, as I would be willing to pay in cash. She responded by saying, "It's our system," referring to the bank's policies, and ultimately told me to change banks if I could find someone else to give me a loan.I was shocked, surprised, and deeply disappointed. This happened at the Farum branch.
Yes after that I change my bank to Danske bank

I see very worsted bank experience I got. Please register another bank. I put my date around.

Hi have tried to make a transfer from my account to another account in Denmark today I got told its not possible but yesterday I could I don't have my mitid on my phone at the moment very bad service I can't not even use my money and I have been with the bank since it was called unibank and I have not have any problems until now really bad

We applied for a car loan and the process went smoothly. Andreas answered all our questions and we felt supported all the way.

We have applied for car loan certificate and everything was just perfect, it was really easy and quick. Our manager Andreas was always available and answering all our qustions:)

I have been a loyal customer of Nordea for 10 years. Gladly I am not coming back to this bank ever again. I will never recommend it to anyone! It is impossible to reach advisor or get any answers from them! Since this seem like the only place where they are replying to many other negative comments, I will put my complaint here, as sending it through the app did not do a thing.

I would like to express my extreme dissatisfaction with the level of service I have received from your customer service department over the past month. Despite repeated attempts to resolve two, I would say critical issues, I have been met with nothing but frustration and lack of assistance, which has caused me a lot of stress and HOURS spend on the phone which is not at all a comfortable situation for me.

on 27th of March, I contacted your bank to fully pay off one of my loans before the Easter holidays. Full amount needed to be transferred was calculated by one of the employees and the transfer was also done by the phone, by one of your representative straight away. Hours later I called again, as it was still pending. Despite assurances from another employee that the matter was resolved and everything is fine, I discovered after the Easter Holidays that automatic monthly payments were still being deducted from my account together with some “Provenu”, where I was assured (on the phone) that no extra cost will appear if I’ll pay it earlier, resulting in an overdraft on one of the accounts. Despite multiple calls and millions of messages on the app, I have yet to receive a satisfactory resolution to this problem, leaving me in a difficult financial situation.

Furthermore, during my first call on 27th of March, I sought assistance regarding my bill loan as I planned to sell my car. Again, despite assurances that someone would contact me, as unfortunately the kind lady did not know the answers to my questions, I received no follow-up up to this date, causing me to lose a potential buyer and my frustration has grown high due to the lack of professionalism and competence demonstrated by bank’s staff.

To compound matters, during another call on 5th of April, I expressed my frustration with the situation quite vividly, as for more than a week I’ve been hanging on a phone with customer service, only to be met with another unprofessional behaviour from your representative. Instead of addressing my concerns, he admonished me for expressing my frustration, threatening to report me to his leader… Where I was the one calling with a complaint. This only serves to highlight luck of competence and the disconnect between your employees and the genuine concerns of your customers. It is disheartening to note that such confrontations and yelling could have been avoided had my previous requests for assistance been addressed in a timely and effective manner! On the same phone call I was also ASSURED that advisor will contact me the SAME DAY. So the person on the phone not only threatened me but also lied to me, as we are here on 17th of April and nobody has contacted me and replied to messages still.

How long does a person need to wait for a contact in your bank?! I see that month is not enough for you….

Sorry but your customer service is nothing but scam and disgrace!

I cannot recommend Nordea as after trying to contact my adviser for days I received an extremely rude call from a person at Nordea. He did not say what he did but that Nordea had every right to deduct penalties when they wanted even setting my account in minus in the process! I found this form of aggression quite nasty and that Nordea has no right to just take money from a customers account as deemed fit! This is not a Bank I could ever recommend : more like a bunch of thieves!

I am with nordea for almost 9 years. I wanted to get consumer loan. Not a big sum compare to my salary. My online application was refused so I went to their branch and wanted to ask what is the reason for that and what we can do. Manager said that my income is way too high for a loan and I should just save it myself during a year. Also she mentioned: “my income is 3 times smaller than yours. How are you spending your money? Maybe you are buying expensive sneaker?”
Nordea maybe I can decide myself how can I spend my own money? It was ”amazing” to hear such things from your
manager.
I think came time to change the bank, I am really tired from all problems related to bank.