Danske Bank current accounts for November 2026

Earn cash rewards and enjoy versatility with Danske Bank.

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Oli Collins

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Fact checked

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

6 of 6 results
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Finder Score Account fees Funding requirement Interest (AER) Arranged overdraft Incentive Representative example
Danske Bank logo
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Danske Bank Danske Choice
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£0
No minimum funding requirement
0% AER
29.9% EAR variable
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 29.9% EAR variable.
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Danske Bank logo
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Danske Bank Danske Reward
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£2 per month
£1000 per month
0% AER
29.9% EAR variable
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 29.9% EAR variable. Account fee of £2 per month.
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Danske Bank logo
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Danske Bank Danske Discovery (8-17 yrs)
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£0
No minimum funding requirement
0% AER

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Danske Bank logo
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Danske Bank Danske Freedom
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£0
No minimum funding requirement
0% AER
0% EAR variable on the first £3,000 and then 0% EAR variable
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 0% EAR variable on the first £3,000 and then 0% EAR variable.
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Danske Bank logo
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Danske Bank Danske Standard
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£0
No minimum funding requirement
0% AER
N/A
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Danske Bank logo
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Danske Bank Danske Freedom (Young Persons Account)
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£0
No minimum funding requirement
0% AER
N/A
Representative example: If you use an arranged overdraft of £1,200, you'll be charged.
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Finder Score for bank accounts

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.

Read the full methodology

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. New customers 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, 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 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 29,000 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 3,900 reviews and has a similar score of 4.3 out of 5 from around 3,600 reviews on the Google Play Store. These were updated in October 2026.

Frequently asked questions

Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.
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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. See full bio

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