Danske Bank current accounts for June 2024

Earn cash rewards and enjoy versatility with Danske Bank.

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.

Here’s a handy overview:

Compare Danske Bank current accounts

1 - 6 of 6
Name Product Finder Score Account fees Funding requirement Interest (AER) Arranged overdraft Incentive Representative example Link
Danske Choice
Not yet rated
£0
No minimum funding requirement
0% AER
39.89% EAR variable
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.89% EAR variable.
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Danske Standard
Not yet rated
£0
No minimum funding requirement
0% AER

Current account switch service guarantee badge
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Danske Cash Reward - Funded
Not yet rated
£2 per month
Min. £1000 Per Month
0% AER
39.89% EAR variable
tag iconEarn £5 gross per month if £1K paid in, receive account statements digitally and make at least 8 debit card transactions per month.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.89% EAR variable. Account fee of £2 per month.
View details
Danske Cash Reward - Non-funded
Not yet rated
£2 per month
No minimum funding requirement
0% AER
39.89% EAR variable
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.89% EAR variable. Account fee of £2 per month.
View details
Danske Discovery
Not yet rated
£0
No minimum funding requirement
0% AER

tag iconLinked Danske Discovery Savings Account available.
Current account switch service guarantee badge
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Danske Freedom
Not yet rated
£0
No minimum funding requirement
0% AER
0% EAR variable
tag iconDiscounted rates on fixed rate personal loans.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 0% EAR variable.
View details
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Types of current accounts from Danske Bank

  • Danske Cash Reward

    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

    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.

    Frequently asked questions

    We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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    Written by

    Oli Collins

    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. See full profile

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