# AI assumes getting a Danish MitID digital ID (via passport, without a CPR number) grants access to online or mobile banking

- **ID:** `banking/mitid-p-code-no-online-banking`
- **Domain:** banking
- **Category:** administrative_barrier
- **Verification:** ai_generated
- **Fix Rate:** 75%

## Root Cause

Non-citizens without a Danish CPR number can get MitID (Denmark's national digital ID) using an 8-digit P-code tied to a foreign passport instead. However, MitID's own help pages and Danish banks (e.g. Danske Bank) state that most self-service solutions, including eBanking and Mobile Bank, currently require a MitID created with a genuine CPR number or civil registration number at 'Substantial' security level - a P-code MitID cannot log into online or mobile banking.

## Version Compatibility

| Version | Status | Introduced | Deprecated |
|---------|--------|------------|------------|
| any | active | — | — |

## Workarounds

1. **Obtain a Danish CPR number first (see the CPR-registration canon for this country), then create or upgrade MitID using the CPR number so it reaches the 'Substantial' security level required for eBanking and Mobile Bank** (85% success)
   ```
   Danske Bank directs customers without a CPR number to obtain one via the official Danish civil registration channel before MitID can be used for banking.
   ```
2. **For the interim, contact the bank directly for a branch-based or paper-based process instead of relying on MitID-gated self-service** (50% success)

## Dead Ends

- **Get a P-code MitID with a foreign passport and expect it to work for Danish online or mobile banking** — MitID's official help page for non-citizens states 'most self-service solutions currently require a CPR number. It's not possible to access these self-service solutions with a MitID created with a P code.' Danske Bank confirms a MitID must be created with a valid CPR number or civil registration number, at the 'Substantial' security level, to log into eBanking and Mobile Bank. (85% fail)