Den ukendte hævning er større end selvrisikoen.

Because hævning is a common-gender noun in Danish, not a neuter noun.

In Danish, singular nouns usually take:

• en / den for common gender
• et / det for neuter

Since hævning is common gender, the phrase is:

• den ukendte hævning = the unknown withdrawal

If the noun were neuter, you would use det instead.

Because adjectives in Danish change form depending on how the noun is used.

Here, ukendte is used in a definite noun phrase:

• den ukendte hævning

When an adjective comes before a noun that is definite and has den/det/de, the adjective usually takes -e:

• den ukendte hævning
• det store hus
• de røde biler

By contrast:

• en ukendt hævning = an unknown withdrawal
• et ukendt problem = an unknown problem

So:

• ukendt = indefinite singular form
• ukendte = definite form / plural form in many contexts

Hævning comes from the verb at hæve, which often means to withdraw, especially money.

In banking Danish, en hævning usually means:

• a withdrawal from an account
• a card withdrawal
• sometimes more broadly, a transaction where money is taken out

So in a banking context, den ukendte hævning most naturally means something like:

• the unknown withdrawal
• the unrecognized withdrawal
• the unfamiliar transaction

A native English speaker should be aware that the most natural English translation may depend on the banking situation.

Because Danish usually marks definiteness by adding it to the end of the noun.

So:

• selvrisiko = deductible / excess
• selvrisikoen = the deductible / the excess

This is called the suffixed definite article.

Compare:

• en bil = a car
• bilen = the car

But when there is an adjective before the noun, Danish often uses both:

• den store bil = the big car

In your sentence, selvrisikoen stands alone without an adjective, so the ending -en is enough.

Større end means greater than or bigger than.

The adjective is:

• stor = big / large
• større = bigger / greater
• størst = biggest / greatest

So the sentence structure is:

• X er større end Y = X is greater than Y

This is the normal way to compare two things in Danish.

Examples:

• Huset er større end bilen. = The house is bigger than the car.
• Beløbet er større end selvrisikoen. = The amount is greater than the deductible.

Because this is a very straightforward Danish main clause with the normal pattern:

• subject: Den ukendte hævning
• verb: er
• complement: større end selvrisikoen

So it follows the usual main-clause order:

• Subject + verb + rest

Danish often has word order that feels familiar to English speakers in simple statements. The main complications usually appear when:

• an adverb comes first
• there is a subordinate clause
• the sentence involves inversion

But this sentence is very basic in structure.

Usually yes, but the exact English equivalent depends on context.

In insurance and banking contexts, selvrisiko often corresponds to:

• deductible in American English
• excess in British English

So if this sentence comes from a bank or insurance claim context, a native English speaker might understand it as:

• The unknown withdrawal is greater than the deductible/excess.

The core idea is the amount you must cover yourself before the company reimburses the rest.

Then the first noun phrase would be indefinite, so you would say:

• En ukendt hævning er større end selvrisikoen.

Compare:

• Den ukendte hævning = the unknown withdrawal
• En ukendt hævning = an unknown withdrawal

Notice the adjective changes too:

• en ukendt hævning
• den ukendte hævning

That difference is very important in Danish.

A rough guide is:

• hævning ≈ HEV-ning, but with a Danish vowel that is not exactly like English e

A few points:

• æ is a front vowel, somewhat like the vowel in cat in some accents, but not exactly
• v in Danish can sound softer than in English in some positions
• the ng in -ning is like the sound in sing, not n + g

So try something like:

• HEV-ning

But with a distinctly Danish æ sound.

Yes, depending on context, that is often the practical meaning.

Literally, ukendt means unknown or unfamiliar. But in banking language, if a customer says a transaction is ukendt, they often mean:

• they do not recognize it
• they did not authorize it
• it may be fraudulent

So while the literal wording is unknown withdrawal, the real-life meaning may be closer to:

• unrecognized withdrawal
• unauthorized transaction

This is a good example of why context matters in translation.