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.

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Bank accounts

14 products reviewed

Basic bank accounts

1 product reviewed

Danske Bank

Standard

Feature Value
Cash withdrawal fee in UK (own bank)
£0.00
Annual fee
£0.00
Part of FSCS Yes
Unpaid transaction fee
£1.50
Bankers draft/cheque fee
£10.00
Maximum cash machine withdrawal per day
£500.00
Monthly Fee
£0.00
Current accounts

2 products reviewed

Danske Bank

Reward

Feature Value
Annual fee
£24.00
Maximum cash machine withdrawal per day
£500.00
Part of FSCS Yes
PayPoint Deposits No
Card payment fee (£)
£0.00
Monthly Fee
£2.00
Danske Bank

Choice

Feature Value
Annual fee
£0.00
Maximum cash machine withdrawal per day
£500.00
Part of FSCS Yes
PayPoint Deposits No
Card payment fee (£)
£0.00
Monthly Fee
£0.00
Debit Cards

4 products reviewed

Danske Bank

Standard

Feature Value
Card payment fee (£)
£0.00
Debit card? Yes
Maximum cash machine withdrawal per day
£500.00
Number of Free Replacement Cards
0
Account Type
Basic
Monthly Fee
£0.00
Danske Bank

Choice

Feature Value
Card payment fee (£)
£0.00
Debit card? Yes
Maximum cash machine withdrawal per day
£500.00
Number of Free Replacement Cards
0
Account Type
Current
Monthly Fee
£0.00
Danske Bank

Reward

Feature Value
Card payment fee (£)
£0.00
Debit card? Yes
Maximum cash machine withdrawal per day
£500.00
Number of Free Replacement Cards
0
Account Type
Current
Monthly Fee
£2.00
Danske Bank

Freedom

Feature Value
Card payment fee (£)
£0.00
Debit card? Yes
Maximum cash machine withdrawal per day
£500.00
Number of Free Replacement Cards
0
Account Type
Student
Monthly Fee
£0.00
Foreign use bank accounts

4 products reviewed

Danske Bank

Reward

Feature Value
Foreign cash withdrawal fee
0%
Foreign cash withdrawal additional charge
£0.00
Foreign purchases fee
0%
Is there a limit on free cash withdrawals?
Unlimited
Monthly Fee
£2.00
Danske Bank

Freedom

Feature Value
Foreign cash withdrawal fee
0%
Foreign cash withdrawal additional charge
£0.00
Foreign purchases fee
0%
Is there a limit on free cash withdrawals?
Unlimited
Monthly Fee
£0.00
Danske Bank

Choice

Feature Value
Foreign cash withdrawal fee
2.75%
Foreign cash withdrawal additional charge
£0.00
Foreign purchases fee
2.75%
Is there a limit on free cash withdrawals?
No free cash withdrawals
Monthly Fee
£0.00
Danske Bank

Standard

Feature Value
Foreign cash withdrawal fee
2.75%
Foreign cash withdrawal additional charge
£0.00
Foreign purchases fee
2.75%
Is there a limit on free cash withdrawals?
No free cash withdrawals
Monthly Fee
£0.00
Overdrafts

2 products reviewed

Danske Bank

Choice

Feature Value
Risk based overdraft? No
Arranged overdraft interest free amount
£0.00
Arranged overdraft interest rate (representative EAR)
29.9%
Monthly Fee
£0.00
Danske Bank

Reward

Feature Value
Risk based overdraft? No
Arranged overdraft interest free amount
£0.00
Arranged overdraft interest rate (representative EAR)
32.4%
Monthly Fee
£2.00
Student bank accounts

1 product reviewed

Danske Bank

Freedom

Feature Value
Arranged overdraft limit
£3,000.00
Tiered repayment of overdraft No
Switching / sign up incentive
£200 (Switch using CASS, deposit £1000 and set up 2 direct debits).
Monthly Fee
£0.00

Business bank accounts

8 products reviewed

High Frequency Cash Accounts

2 products reviewed

Danske Bank

Small Business Digital

Feature Value
Account Fee (monthly) - first year
£9.00
Branch access? Yes
FSCS Protected? Yes
Arranged Overdraft Facilities Yes
Number of months free
0 months
Minimum Turnover
Not specified
Maximum Turnover
£1,000,000.00
Danske Bank

Small Business

Feature Value
Account Fee (monthly) - first year
£9.00
Branch access? Yes
FSCS Protected? Yes
Arranged Overdraft Facilities Yes
Number of months free
0 months
Minimum Turnover
Not specified
Maximum Turnover
£1,000,000.00
Low Frequency Cash Accounts

2 products reviewed

Danske Bank

Small Business

Feature Value
Account Fee (monthly) - first year
£9.00
Branch access? Yes
FSCS Protected? Yes
Arranged Overdraft Facilities Yes
Number of months free
0 months
Minimum Turnover
Not specified
Maximum Turnover
£1,000,000.00
Danske Bank

Small Business Digital

Feature Value
Account Fee (monthly) - first year
£9.00
Branch access? Yes
FSCS Protected? Yes
Arranged Overdraft Facilities Yes
Number of months free
0 months
Minimum Turnover
Not specified
Maximum Turnover
£1,000,000.00
Payment Accounts (cashless)

2 products reviewed

Danske Bank

Small Business Digital

Feature Value
Account Fee (monthly) - first year
£9.00
Branch access? Yes
FSCS Protected? Yes
Arranged Overdraft Facilities Yes
Number of months free
0 months
Minimum Turnover
Not specified
Maximum Turnover
£1,000,000.00
Danske Bank

Small Business

Feature Value
Account Fee (monthly) - first year
£9.00
Branch access? Yes
FSCS Protected? Yes
Arranged Overdraft Facilities Yes
Number of months free
0 months
Minimum Turnover
Not specified
Maximum Turnover
£1,000,000.00
Sole Trader Payment Accounts (cashless)

2 products reviewed

Danske Bank

Small Business Digital

Feature Value
Account Fee (monthly) - first year
£9.00
Branch access? Yes
FSCS Protected? Yes
Arranged Overdraft Facilities Yes
Number of months free
0 months
Minimum Turnover
Not specified
Maximum Turnover
£1,000,000.00
Danske Bank

Small Business

Feature Value
Account Fee (monthly) - first year
£9.00
Branch access? Yes
FSCS Protected? Yes
Arranged Overdraft Facilities Yes
Number of months free
0 months
Minimum Turnover
Not specified
Maximum Turnover
£1,000,000.00

Children's Accounts

1 product reviewed

Children's Bank Accounts

1 product reviewed

Danske Bank

Discovery

Feature Value
Minimum Age
8
Interest Rate (AER) First Tier
N/A
Maximum Balance First Tier of Interest Covers
N/A
Maximum Age
17
Interest Rate (AER) Second Tier
N/A
Maximum Balance Second Tier of Interest Covers
N/A
Interest Rate (AER) Third Tier
N/A
Maximum Balance Third Tier of Interest Covers
N/A

Credit cards

4 products reviewed

0% balance transfer credit cards

1 product reviewed

Danske Bank

Mastercard Standard with purchase and BT special rate

Feature Value
Duration of 0% balance transfer offer period
5 months
Balance transfer fee during promotional period
0%
Representative APR
22.9%
Balance transfer rate during promotional period
0%
0% purchase credit cards

1 product reviewed

Danske Bank

Mastercard Standard with purchase and BT special rate

Feature Value
Duration of purchases offer period
5 months
Representative APR
22.9%
Highest APR
22.9%
Purchase rate during promotional period
0%
Representative purchase rate
1.73%
Foreign use credit cards

2 products reviewed

Danske Bank

Mastercard Standard

Feature Value
Representative APR
22.9%
Foreign purchase fee
2.75%
Foreign withdrawal fee
2.75%
Number of days before interest is charged on non-sterling cash transactions
0 days
Danske Bank

Mastercard Standard with purchase and BT special rate

Feature Value
Representative APR
22.9%
Foreign purchase fee
2.75%
Foreign withdrawal fee
2.75%
Number of days before interest is charged on non-sterling cash transactions
0 days

Personal loans

1 product reviewed

Danske Bank

Fixed Rate Personal Loan

Feature Value
Representative APR (on £2,000 loan, 36 month term)
Illustrative rates shown
Representative APR (on £5,000 loan, 36 month term)
7.7%
Representative APR (on £15000 loan, 36 month term)
Illustrative rates shown
Unpaid Repayment Fee
£0.00
Early settlement fee (Days interest)
0 days
Minimum borrowing amount
£1,000.00
Maximum borrowing amount
£25,000.00
Minimum borrowing length
12 months
Maximum borrowing length
60 months

Savings Accounts

6 products reviewed

Easy Access Accounts

2 products reviewed

Danske Bank

Danske eSaver

Feature Value
Interest Rate (AER)
2.05%
Balance Tiers
2.05% from £1
Minimum Opening Balance
£1.00
Withdrawal Penalty
A higher rate will be paid in months where no withdrawals are made
Part of FSCS Yes
Bonus Rate
N/A
Danske Bank

Danske Instant Access

Feature Value
Interest Rate (AER)
1.05%
Balance Tiers
1.05% from £1
Minimum Opening Balance
£1.00
Withdrawal Penalty
N/A
Part of FSCS Yes
Bonus Rate
N/A
Easy Access Accounts (Less than £3000)

2 products reviewed

Danske Bank

Danske eSaver

Feature Value
Interest Rate (AER)
2.05%
Balance Tiers
2.05% from £1
Part of FSCS
TRUE
Minimum Opening Balance
£1.00
Additional Opening Criteria
N/A
Average Interest Rate (AER)
2.34%
Bonus Rate
N/A
Average Interest Rate (AER) 12-months
2.45%
Danske Bank

Danske Instant Access

Feature Value
Interest Rate (AER)
1.05%
Balance Tiers
1.05% from £1
Part of FSCS
TRUE
Minimum Opening Balance
£1.00
Additional Opening Criteria
N/A
Average Interest Rate (AER)
1.62%
Bonus Rate
N/A
Average Interest Rate (AER) 12-months
1.61%
Easy Access Accounts (£3000 or more)

2 products reviewed

Danske Bank

Danske eSaver

Feature Value
Interest Rate (AER)
2.05%
Balance Tiers
2.05% from £1
Part of FSCS
TRUE
Minimum Opening Balance
£1.00
Additional Opening Criteria
N/A
Average Interest Rate (AER)
2.34%
Bonus Rate
N/A
Average Interest Rate (AER) 12-months
2.45%
Danske Bank

Danske Instant Access

Feature Value
Interest Rate (AER)
1.05%
Balance Tiers
1.05% from £1
Part of FSCS
TRUE
Minimum Opening Balance
£1.00
Additional Opening Criteria
N/A
Average Interest Rate (AER)
1.62%
Bonus Rate
N/A
Average Interest Rate (AER) 12-months
1.61%

Savings Accounts (ISAs)

1 product reviewed

Easy Access ISAs

1 product reviewed

Product details are temporarily unavailable

Our unique Customer Experience Ratings help consumers find companies that offer a good service.

Bank accounts

Ranked 16th of 23 providers reviewed

Customer happiness score 54.28%
Customer trust score 66.02%
Complaints performance 76.29%
Transparency rating 68.3%

Fairer Finance Score

Reviewed Autumn 2026

 66.22%