AL Sydbank brings together Sydbank, Arbejdernes Landsbank and Vestjysk Bank, while customers still use their existing technical banking channels during integration. Its published net/mobile tariff differs substantially from the general dealing schedule. Custody and transfer terms can still depend on the legacy account; announced changes effective 21 December 2026 must not be applied before that date.[1][5][3][4]
Accounts and eligibility
Sections ↑Account comparison01
Which banking channel applies
| Item | Details |
|---|---|
| Existing customer | Automatically became a customer of AL Sydbank through the merger.Source 5 |
| Technical channel | The bank still operates through the three legacy technical environments during integration.Source 5 |
| Instructions | Continue using the established channel and follow authenticated notices about changes.Source 5 |
Account comparison02
Account names and numbers
| Item | Details |
|---|---|
| Account numbers | Existing numbers continue until the bank notifies the customer otherwise.Source 5Source 6 |
| Name alignment | The October notice aligns names across the banks without itself changing the underlying account terms.Source 5Source 6 |
| Custom names | The notice says customer-chosen account names are preserved.Source 5Source 6 |
Account comparison03
Choosing the relevant price schedule
| Item | Details |
|---|---|
| Digital trading | Use the published net/mobile dealing table for the applicable digital route.Source 1Source 3Source 4 |
| Other dealing | General dealing prices are higher and separately published.Source 1Source 3Source 4 |
| Legacy administration | Custody and transfer conditions can retain legacy-bank scope and their own effective dates.Source 1Source 3Source 4 |
Products and market access
Sections ↑Specifications04
Digital securities categories
Specifications05
Broader general dealing service
| Item | Details |
|---|---|
| Bonds | Danish/Nordic and other foreign bonds.Source 2 |
| Other instruments | Selected foreign shares, certificates, investment funds and specified unlisted Danish shares.Source 2 |
| Availability | The wider general tariff does not imply that every instrument is available in every legacy mobile app.Source 2 |
Trading and holding costs
Sections ↑Pricing & charges06
Net/mobile share brokerage
Pricing & charges07
Net/mobile bonds and funds
Pricing & charges08
General dealing: Nordic and foreign shares
| Item | Details |
|---|---|
| Nordic shares up to DKK 100,000 | 0.75%, minimum DKK 200 and maximum DKK 500.Source 2 |
| Nordic shares above DKK 100,000 | 0.50%.Source 2 |
| Selected foreign shares and ETFs | 1%, minimum DKK 300; this is the general schedule, not the lower net/mobile table.Source 2 |
Pricing & charges09
General dealing: bonds and internal trades
Pricing & charges10
Foreign market expenses
| Item | Details |
|---|---|
| Ordinary foreign execution costs | The published schedule states these are included in the specified brokerage.Source 1Source 2 |
| Separate levies | Selected exchange or market taxes can appear separately on the contract note.Source 1Source 2 |
| Currency conversion | A separate FX quote adjustment applies where a foreign security is settled in DKK.Source 1Source 2 |
Pricing & charges11
FX quote adjustments
Pricing & charges12
Digital access and market data
Pricing & charges13
Former Sydbank: domestic custody administration
| Item | Details |
|---|---|
| Empty ES-CPH account | DKK 55 annually under the schedule valid through 20 December 2026.Source 3 |
| ES-CPH bonds | DKK 55 annual account fee plus DKK 27.50 per security code annually.Source 3 |
| Stock/fund-only account | The quoted account-fee exemption applies if it holds only Danish shares and/or investment-fund units; other transaction charges can remain.Source 3 |
Pricing & charges14
Former Sydbank: other shares and bonds
| Item | Details |
|---|---|
| Value up to DKK 500,000 | 0.25% annually, minimum DKK 125, including VAT.Source 3 |
| Above DKK 500,000 | 0.1563% annually, minimum DKK 1,250, under that category.Source 3 |
| Scope | This is the specified other-shares/bonds category; the same page has separate country tables for foreign holdings.Source 3 |
Pricing & charges15
Former Sydbank: tax and document services
Pricing & charges16
Announced changes from 21 December 2026
| Item | Details |
|---|---|
| Empty ES-CPH account | Annual charge changes from DKK 55 to DKK 60.Source 4 |
| Foreign security transfer | Changes from DKK 600 per code, daily portfolio cap DKK 1,500, to DKK 750 and DKK 3,000.Source 4 |
| Date boundary | These are announced future former-Sydbank prices, not the rates applied on 27 October 2026.Source 4 |
Platforms, orders and execution
Sections ↑Process17
Finding and buying securities in the Sydbank channel
| Item | Details |
|---|---|
| Navigation | Menu, Investment, then Search and trade.Source 8 |
| Product selection | Find the security and follow the order workflow.Source 8 |
| Knowledge check | The help page describes testing knowledge before access to a particular security type.Source 8 |
Process18
Order history in the Sydbank channel
Process19
Authentication and device scope
| Item | Details |
|---|---|
| Browser route | The Sydbank netbank runs in a browser.Source 9Source 5 |
| Approval | MitID is used for access and authorisations.Source 9Source 5 |
| Migration boundary | These documented Sydbank controls should not be assumed to describe every legacy bank’s interface identically.Source 9Source 5 |
Funding, settlement and transfers
Sections ↑Process20
Former Sydbank: security transfers
| Item | Details |
|---|---|
| Incoming portfolio | Listed as free at the bank, with relevant foreign costs possible.Source 3 |
| Outgoing Danish securities | DKK 200 per code, maximum DKK 750 per portfolio per day under the stated ordinary rule.Source 3 |
| Outgoing foreign securities | DKK 600 per code, maximum DKK 1,500 per portfolio per day, plus foreign costs.Source 3 |
Process21
Large-transfer exception
| Item | Details |
|---|---|
| Whole or substantial portfolio | For the specified whole-portfolio or more-than-five-code cases, the bank can charge for the actual work.Source 3 |
| Charging basis | Its hourly rate rather than assuming the ordinary daily cap always applies.Source 3 |
| Practical step | Obtain a written transfer quote before moving a larger multi-line portfolio.Source 3 |
Process22
Cash transfers and merged relationships
| Item | Details |
|---|---|
| Existing accounts | Customers keep existing accounts during integration.Source 5Source 1 |
| Foreign bank transfer | The digital schedule lists DKK 55 for the specified foreign-transfer service.Source 5Source 1 |
| Merger effect | Accounts, loans and collateral relationships are combined within AL Sydbank; separate technical screens do not create separate legal banks.Source 5Source 1 |
Custody and client protection
Sections ↑Protections & eligibility23
Combined deposit protection
| Item | Details |
|---|---|
| Ordinary eligible limit | €100,000 per depositor at AL Sydbank.Source 5Source 7 |
| Merged balances | Holdings across the three constituent banks aggregate.Source 5Source 7 |
| Expired transition notice | The merger FAQ’s no-cost excess-deposit assistance deadline was 2 March 2026; it is not a current open-ended concession.Source 5Source 7 |
Protections & eligibility24
Joint accounts and legal-person deposits
| Item | Details |
|---|---|
| Joint account | The balance is allocated between holders for their individual protection calculations.Source 7 |
| Company or association | The legal entity is the depositor.Source 7 |
| Due debt | The bank’s explanation notes deduction of due debts when calculating the protected balance.Source 7 |
Protections & eligibility25
Securities return and compensation
| Item | Details |
|---|---|
| Custodied securities | Normally returned independently of bank reconstruction or bankruptcy.Source 7 |
| Non-return | Garantiformuen can cover eligible claims up to €20,000 per investor.Source 7 |
| Exclusions | The page excludes examples such as the bank’s own shares/bonds; market losses are not a portfolio guarantee.Source 7 |
Support, complaints and records
Sections ↑Process26
Contact the appropriate legacy service
Process27
Authenticating merger communications
| Item | Details |
|---|---|
| Official change notices | Netbank, mobile banking or e-Boks.Source 5 |
| Unexpected caller | End the call and contact the bank through its official published number if uncertain.Source 5 |
| Account security | The bank says it will not ask customers to move money to a supposed safe account or surrender a PIN.Source 5 |
Process28
Digital messages and technical assistance
| Item | Details |
|---|---|
| Secure contact | The Sydbank digital channel supports secure messages.Source 9Source 7Source 1 |
| Sydbank technical hotline | +45 74 37 25 98.Source 9Source 7Source 1 |
| Dealing limitation | A technical-support contact is not a guarantee that an emergency order can be executed immediately.Source 9Source 7Source 1 |
Research and additional services
Sections ↑Availability29
Monthly investing in the Sydbank channel
| Item | Details |
|---|---|
| Setup | Log in with MitID, then Menu, Investment, Create and Monthly investment.Source 10 |
| Purpose | A separately configured recurring investment instruction.Source 10 |
| Terms | Select the offered investment and review that service’s costs; ordinary one-off brokerage alone does not establish all recurring-plan charges.Source 10 |
Company and service history
Sections ↑Regional comparison30
Continuing bank identity
Regional comparison31
Integration remains in progress
| Item | Details |
|---|---|
| Constituent banks | Sydbank, Arbejdernes Landsbank and Vestjysk Bank.Source 5 |
| Channels and branches | Legacy brands and systems can remain visible while integration proceeds.Source 5 |
| Completion | The FAQ does not promise a fixed date for every channel to be unified.Source 5 |
- Headquarters
- Denmark
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
AL Sydbank A/S
No separate licence entry is recorded in this panel.
Cost illustrations and practical implications
Sections ↑Scenarios32
Calculated digital order example
| Item | Details |
|---|---|
| DKK 10,000 Nordic shares | 0.10% gives DKK 10, so DKK 29 minimum brokerage applies.Source 1 |
| DKK 50,000 selected foreign shares | 0.20% gives DKK 100 brokerage.Source 1 |
| Separate items | Conversion and applicable market levies must be considered alongside commission.Source 1 |
Scenarios33
Calculated USD quote adjustment
Sources & further reading
- AL Sydbank: net/mobile banking prices, securities and currency conversion AL Sydbank securities trading · Accessed 27 Oct 2026
- AL Sydbank: general securities-dealing tariff AL Sydbank securities trading · Accessed 27 Oct 2026
- AL Sydbank: former Sydbank securities administration prices through 20 December 2026 AL Sydbank securities trading · Accessed 27 Oct 2026
- AL Sydbank: former Sydbank changes effective 1 October and 21 December 2026 AL Sydbank securities trading · Accessed 27 Oct 2026
- AL Sydbank: merger questions, existing channels and combined deposit protection AL Sydbank securities trading · Accessed 27 Oct 2026
- AL Sydbank: 6 October 2026 notice about account and loan names AL Sydbank securities trading · Accessed 27 Oct 2026
- Sydbank/AL Sydbank: deposit and securities protection under Garantiformuen AL Sydbank securities trading · Accessed 27 Oct 2026
- Sydbank digital-channel help: buying securities, knowledge checks and order history AL Sydbank securities trading · Accessed 27 Oct 2026
- Sydbank: browser banking, secure messages, MitID and accessibility AL Sydbank securities trading · Accessed 27 Oct 2026
- Sydbank: creating a monthly investment in net/mobile banking AL Sydbank securities trading · Accessed 27 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.