Well, I would use an ATM in DK to get cash. However, if you have a debit card rather (e.g. if your ATM card in Germany has a Visa or MC logo) then you can use it without a fee.

But 1.4% is not going to kill you...... The upscale department store Magasin has a nice food store. They won't charge the surcharge.

You will also find that restaurants and smaller shops will hit you with a 3% charge if you use a foreign CC. It's rather unbecoming. I guess Danes don't understand the concept of "cost of doing business".