Danske Bank

Dankse Bank is a Danish owned bank operating in Northern Ireland. It is a trading name of Northern Bank Limited.

Danske Bank bought Ireland's Northern Bank in 2004, but kept the Northern Bank name until 2012. Northern Bank then took on the Danske Bank name but retained its management team of the time.

Danske Bank offers current accounts, loans, mortgages and savings accounts.

Their headquarters are based in Belfast, Northern Ireland.

Danske Bank
Visit provider's website

We don't get paid for any links on our site.

Bank accounts

Ranked 15th of 30 providers reviewed.

Customer happiness score 55.7%
Customer trust score 63.6%
Complaints performance 75.9%
Transparency rating 66.61%
Fairer Finance score
Reviewed Autumn 2023
65%

Bank accounts

Current accounts

Danske Bank

Choice

2 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Danske Bank

Standard

2 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Danske Bank

Reward

2 stars
Annual fee i £24.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Foreign use bank accounts

Danske Bank

Reward

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Danske Bank

Choice

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Danske Bank

Freedom

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Danske Bank

Standard

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Overdrafts

Danske Bank

Reward

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 45.21%

Danske Bank

Choice

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 45.21%

Student bank accounts

Danske Bank

Freedom

3 stars
Arranged overdraft limit i £3,000.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Children's Accounts

Children's Bank Accounts

Danske Bank

Discovery

Minimum Age i 11
Interest Rate (AER) First Tier i
Maximum Balance First Tier of Interest Covers i
Maximum Age i 17
Interest Rate (AER) Second Tier i
Maximum Balance Second Tier of Interest Covers i
Interest Rate (AER) Third Tier i
Maximum Balance Third Tier of Interest Covers i
Maximum Cash Withdrawal i £500.00
Ability to freeze or report a card lost via app? i
Rewards i
Additional information i
Cash Transaction Fee i 0%
Cash Withdrawal Fee i £0.00
Card Delivery Fee i £0.00
Replacement Card Fee i £0.00
Foreign Cash Withdrawal Fee i 2.75%
Foreign Transaction Fee i 2.75%

Children's Savings Accounts

Danske Bank

Danske Discovery Savings

Account Type i Easy Access
Interest Rate (AER) i 3.65%
Minimum Opening Balance i £1.00
Maximum Balance i Unlimited
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i 11
Maximum Age i 17
Withdrawal Penalty i
Part of FSCS i
Sharia Account i
Additional Opening Criteria i
Additional Information i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Danske Bank

Danske Instant Access

Account Type i Easy Access
Interest Rate (AER) i 1.65%
Minimum Opening Balance i £1.00
Maximum Balance i Unlimited
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i 7
Maximum Age i 0
Withdrawal Penalty i
Part of FSCS i
Sharia Account i
Additional Opening Criteria i
Additional Information i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Credit cards

0% balance transfer credit cards

Danske Bank

Mastercard Standard with purchase and BT special rate

3 stars
Duration of 0% balance transfer offer period i 5 months
Balance transfer fee during promotional period i 0%
Representative APR i 22.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 0%
Representative balance transfer rate i 1.73%
Risk based? i

0% purchase credit cards

Danske Bank

Mastercard Standard with purchase and BT special rate

4 stars
Duration of purchases offer period i 5 months
Representative APR i 22.9%
Highest APR i 22.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.73%
Number of days before interest is charged on purchases i 59 days
Risk based? i

Foreign use credit cards

Danske Bank

Mastercard Standard

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 2.75%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.73%

Danske Bank

Mastercard Standard with purchase and BT special rate

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 2.75%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.73%

Notice Savings Accounts

Up to 180 Day Notice Accounts

Danske Bank

Danske Notice Account

Interest Rate (AER) i 3.15%
Part of FSCS i
Notice Period 95 days
Minimum Opening Balance i £2,000.00
Maximum Balance i £250,000.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Early withdrawals allowed? i
Withdrawal Penalty i

Savings Accounts

1 Year Fixed Rate Accounts

Danske Bank

Danske Fixed Term Deposit

Interest Rate (AER) i 4.3%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. The money will be transferred into a linked or nominated account unless you instruct them otherwise.
Part of FSCS i
Maximum Balance i Unlimited
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must have a Danske current account, Danske Midas account or Summit account
Can you make early withdrawals? i
Withdrawal Penalty i Earlier access at bank's discretion and will cost £10 administration fee

2 Year Fixed Rate Accounts

Danske Bank

Danske Fixed Term Deposit

Interest Rate (AER) i 4.4%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. The money will be transferred into a linked or nominated account unless you instruct them otherwise.
Part of FSCS i
Maximum Balance i Unlimited
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must have a Danske current account, Danske Midas account or Summit account
Can you make early withdrawals? i
Withdrawal Penalty i Earlier access at bank's discretion and will cost £10 administration fee

Easy Access Accounts

Danske Bank

Danske eSaver

Interest Rate (AER) i 2.65%
Balance Tiers i 2.65% from £1
Minimum Opening Balance i £1.00
Withdrawal Penalty i A higher rate will be paid in months where no withdrawals are made
Part of FSCS i
Maximum Balance i Unlimited
Minimum Age to Open Account i 18
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i

Danske Bank

Danske Instant Access

Interest Rate (AER) i 1.65%
Balance Tiers i 1.65% from £1
Minimum Opening Balance i £1.00
Withdrawal Penalty i
Part of FSCS i
Maximum Balance i Unlimited
Minimum Age to Open Account i 7
Penalty free withdrawals? i
Sharia Account i
Additional Information i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Additional Opening Criteria i

Savings Accounts (ISAs)

Junior ISAs

Danske Bank

Danske Junior Cash ISA

Interest Rate (AER) i 3.8%
Part of FSCS i
Minimum Opening Balance i £25.00
Minimum Age to Open Account i 0
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Are early withdrawals allowed? i
Conditions of early withdrawal i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i