Card Getting Declined?

Starting around February 6, 2026, we are seeing nearly all payments declined from traditional banks in Norway and Denmark — including DNB, Nordea, Danske Bank, Handelsbanken, and others. While a rare transaction may slip through, the overwhelming majority are being blocked.

Why this is happening: Under EU/EEA regulations (PSD2), Norwegian and Danish banks enforce Strong Customer Authentication (SCA) on all online card purchases. This requires verification through BankID (Norway) or MitID (Denmark) via 3D Secure. When a merchant is registered outside the EU/EEA, traditional banks cannot complete this authentication handshake — so they hard-decline the transaction automatically. Recent enforcement tightening by Nordic issuers has made this a blanket block rather than a case-by-case check.

The fix: You need to use a fintech app instead. Apps like Revolut and Wise use different authentication flows that are not affected by this restriction. Traditional bank cards — debit or credit — are extremely unlikely to work regardless of your balance or bank settings.