Danske Bank primarily serves customers in Northern Ireland and has a range of current accounts suited to a variety of purposes. To join Danske Bank as a new customer, you must live in Northern Ireland.
To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.
Danske Bank’s Reward account offers you a £5 cash reward paid monthly into your account. However, to get the £5 reward, you must have at least £1,000 deposited into your account and have completed at least 8 Debit Mastercard transactions. You must also be receiving digital statements for your reward account. There’s also a £2 monthly account fee.
Danske Choice
Danske Bank’s everyday current account comes with the possibility to get an arranged overdraft, you can also manage your account easily via Danske’s mobile app. You can apply for the account online, by phone or in person.
Danske Freedom
The Freedom account is aimed at students and young adults between the ages of 18 and 27. Eye-catching features include an interest-free overdraft of up to £3,000, as well as discounted arrangement fees for mortgages.
Danske Discovery
Targeted at 11- to 17-year olds, this current account comes with contactless payment, Apple Pay, Samsung Pay and a mobile app. There’s no overdraft with the Discovery account. Under-16s will also need a parent or guardian’s permission to register for the app and open the account.
Danske Standard
Finally, the Standard current account is Danske Bank’s most straightforward, back-to-basics option. It comes with a Mastercard and access to eBanking. There’s no overdraft or chequebook and it’s not available if you already have a current account.
Pros and cons of banking with Danske Bank
Perks. Perks include an arranged overdraft and a monthly cash reward paid directly into your account.
Multiple ways to bank. Danske Bank offers a range of ways to handle your funds, including eBanking and high-street branches.
Global acceptance. If you bank with Danske Bank you’ll get either a Visa or a Mastercard, so you really don’t have to worry about card acceptance, no matter where you are in the world.
Round-the-clock assistance. If you lose your card or if it’s stolen, you can call Danske Bank 24/7 to get assistance.
Only for customers in Northern Ireland. Danske Bank caters mostly for customers in Northern Ireland, where the majority of its UK branches are based. Customers applying for current accounts online must be resident in Northern Ireland.
Customer service information for Danske Bank
Email support
Telephone support
In-app or live chat
Contact form
Branch support
Opening an account with Danske Bank
If you’re a new customer and are applying online, you’ll need to be a resident of Northern Ireland. If you’re already a customer and are wanting to open a new current account, you’ll need to live in the United Kingdom. You don’t need to meet either of these criterion to apply in a branch or by phone. You may need to provide proof of identity and current permanent address. You’ll also need to provide copies of your most recent payslips. Once your application has been processed, a form will be sent to you to sign and return.
Our verdict: Is Dankse Bank a good bank?
Danske Bank offers a lot of basic options. You can earn small rewards and there are generous overdrafts available. If Danske Bank’s current accounts are not for you, you can also compare other current accounts here.
On reviews site Trustpilot, Danske Bank has a score of 4.4 out of 5 from almost 20,000 reviews. This includes customers in other countries though, not just the UK. On the Apple App Store, it scores 4.5 out of 5 from around 3,200 reviews and has a similar score of 4.4 out of 5 from around 3,100 reviews on the Google Play Store.
Frequently asked questions
Danske’s Current Account Switch Service provides you with an easy way to do this. All direct debits, standing orders and regular payments are guaranteed to be switched over within seven working days, free of charge. You can also speak to an adviser in a local branch if you’d prefer to do this in person.
Danske Bank charges a £2 monthly fee for Danske Cash Reward account holders. It doesn’t currently charge any maintenance or additional fees on its other current accounts.
Yes, your eligible deposits up to a total of £120,000 are protected by the FSCS. Any deposits exceeding this amount are unlikely to be covered.
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Oli is a writer for Finder UK. He writes guides, features and news about a range of topics, including banking, credit cards, mortgages and personal loans. He studies English Literature at the University of Sussex, and in his spare time enjoys cycling and playing the guitar, though not necessarily at the same time.
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