Nykredit Fraud: How to Report It and Stop the Money
If money left your Nykredit account without your permission, or you paid a scammer, contact Nykredit straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call Nykredit’s official line below, or use help inside the official Nykredit app. Never use a number from a text, a caller or a search result.
- Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
- Change your online banking password and PIN if anyone may know them. Nykredit will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in Denmark, and keep screenshots of every message and payment.
Official Nykredit fraud contacts
Nykredit (incl. Spar Nord brand)
BankApp or online: Mobile bank: Kort › choose card › 'Spær kort'. Netbank: 'Konti og kort' › Kort › choose card › 'Spær'.
Know this about Denmark
- Nets, the Danish card-blocking service, answers 24 hours a day on 44 89 29 29 if you cannot reach your bank.
If Nykredit won’t help
Det Finansielle Ankenævn (Financial Complaints Board)
Disputes with your bank or payment provider after it has rejected your complaint.
Complain using the online form on fanke.dk. The fee is DKK 300, refunded if you win fully or partly, withdraw, or the board cannot take the case.
Official websiteForbrugerombudsmanden (Consumer Ombudsman)
Explains your rights when you dispute an unauthorised payment.
Official websiteYour rights as a Nykredit customer in Denmark
- Danish Payments Act (lov om betalinger), §§ 97-100. Your bank must refund an unauthorised payment straight away, and no later than the end of the next business day after you object. You may have to pay up to DKK 375 if your PIN or other security code was used, up to DKK 8,000 in some further cases, and more only for gross negligence or fraud. Object within 13 months of the debit. Source
Report it to the police too
Cybercrime agencies in Denmark lists who to report to, and our step-by-step guide covers the rest: How to Report Cybercrime and Online Fraud in Denmark (2026).
Common questions about Nykredit fraud
- What is the Nykredit fraud helpline number?
- Nykredit does not publish a fraud number we could confirm on its own website. Use the number on the back of your card or in the official app, never one from a message or a search result.
- How do I report fraud to Nykredit?
- Report it in the app or online: Mobile bank: Kort › choose card › 'Spær kort'. Netbank: 'Konti og kort' › Kort › choose card › 'Spær'.. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
- What if Nykredit will not help or refund me?
- In Denmark you can complain to Det Finansielle Ankenævn (Financial Complaints Board), Forbrugerombudsmanden (Consumer Ombudsman). Details of what each one handles are on this page.
Other providers in Denmark
These contacts were read on Nykredit’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not Nykredit and cannot recover money. All Denmark providers are in Bank Fraud Help: Denmark.