Extra CC fee in Denmark
#1
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Presently in Copenhagen, I was surprised to find many restaurants and shops have an extra charge of 3.75% on sales, when using a "foreign" credit card. The decision on what is foreign or not, is the country code in the phone # on the back. Using major restaurants, hotels and buying railway tickets, no extra charge. For that special present to yourself or someone special, or just stepping into the restaurant in front of you, this extra charge might be an ugly surprise.
Never seen this anywhere else in the world. Correct me please, if wrong
Never seen this anywhere else in the world. Correct me please, if wrong
#2
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Is it noted on the menu and/or prominently posted on a wall?
If not, I would tell them that, unless they waive the fee, I am not paying them ANYTHING and that they should call the police if they have any problem with that.
If not, I would tell them that, unless they waive the fee, I am not paying them ANYTHING and that they should call the police if they have any problem with that.
#5




Join Date: Aug 2006
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Then I would wonder if one of my cards would refund that fee as well. I guess it depends on how it is printed on the ticket.
Do they just make the total include the fee or does it print out as a seperate item?
Do they just make the total include the fee or does it print out as a seperate item?
#6



Join Date: Sep 2004
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I think my US credit cards only worked once or twice when I've been in Denmark and that's in terms of paying for a hotel stay. I vaguely recall going to a restaurant and using my debit card, only to have them bring a mobile terminal over for me to punch in my PIN number.
#7
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Join Date: Jan 2006
Posts: 4,020
Sounds like a good case for a chargeback when you get home. Save your receipt and any other documentation and let your bank know the charge is a billing error.
If enough foreigners do this it will send the message.
By the way, wouldn't EU law prevent this discrimination against non-Danes?
If enough foreigners do this it will send the message.
By the way, wouldn't EU law prevent this discrimination against non-Danes?
#8
Join Date: May 2008
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The Danes have their own local debit card: the "Dankort", which totally dominates the market and is highly loved by the locals because the government-regulated fees are low, but disliked by anyone else, since it makes the acceptance of VISA/MC so low and expensive. How this can be compatible with the SEPA (Single European Payment Area) rules is something I have never understood.
My workaround is to use cash withdrawn with a Swedish debit card that has no ATM fee.
My workaround is to use cash withdrawn with a Swedish debit card that has no ATM fee.
#9
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Separate item, in danish "Gebyr" = Fee, unspecified.
#10




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The Danes have their own local debit card: the "Dankort", which totally dominates the market and is highly loved by the locals because the government-regulated fees are low, but disliked by anyone else, since it makes the acceptance of VISA/MC so low and expensive. How this can be compatible with the SEPA (Single European Payment Area) rules is something I have never understood.
My workaround is to use cash withdrawn with a Swedish debit card that has no ATM fee.
My workaround is to use cash withdrawn with a Swedish debit card that has no ATM fee.
If you use a Dankort or similar, the fee to cover the costs is something like 0,35% (if the card would have no annual fee). No wonder AmEx is able to offer you some MR points with their card.
I admit the best thing would be to have some kind of EU/Worldwide debit cards with low transaction fees. But while waiting for one, I fully understand that retailers want to charge the difference in fees from the consumer.
But if they don't, then I will use my point-earning card for sure!
(The one without the currency exchange fees)
#12




Join Date: Apr 2005
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Yes of course you may. But my card will not help you because the card is issued by a local bank. (It is a Visa.)
See this link for such cards issued in the US.
See this link for such cards issued in the US.
#13




Join Date: Aug 2006
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I bank in the EU, UK & US. If you have a local bank that issues a point earning visa with no exchange fees, I am curious. The extra cc fee in Denmark, I don't think I can avoid with any of my cards. I also have not found any cards that are free of the forex fee and earn miles as well.
Unfortunately I have to eliminate one of my cards from the traveling card group. I am shocked in Wells Fargo for eliminating it. More reason to dump and take my money elsewhere.
Unfortunately I have to eliminate one of my cards from the traveling card group. I am shocked in Wells Fargo for eliminating it. More reason to dump and take my money elsewhere.
#14
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#15
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I bank in the EU, UK & US. If you have a local bank that issues a point earning visa with no exchange fees, I am curious. The extra cc fee in Denmark, I don't think I can avoid with any of my cards. I also have not found any cards that are free of the forex fee and earn miles as well.
Unfortunately I have to eliminate one of my cards from the traveling card group. I am shocked in Wells Fargo for eliminating it. More reason to dump and take my money elsewhere.
Unfortunately I have to eliminate one of my cards from the traveling card group. I am shocked in Wells Fargo for eliminating it. More reason to dump and take my money elsewhere.

