Reduce or even avoid fees and service charges by taking the steps we recommend below.
Get an account that matches your needs
Consider the features each of our personal bank accounts offer to make sure that you have the right account for your needs.
Register for eBanking
Use eBanking to pay bills and check your balance and statements at any time. Why not register for eBanking right now if you are an existing customer? If you subscribe to our email and text-message services, you can also receive an email or a text message if your balance falls below a certain level.
Stay in credit
Set aside a few minutes each day to review and manage your finances through eBanking.
Make sure your arranged overdraft matches your needs
Stay within your arranged overdraft limit and make sure that the limit matches your needs. There is no point in having an overdraft limit you don't really need.
Remember, you must repay your overdraft when we demand.
Talk to us about arranging an overdraft
We will be glad to discuss your needs with you.
Make sure you have the money to cover what you buy
Don't use a debit card if you do not have enough money or an arranged overdraft to pay for whatever you buy.
Make sure you have the money to cover any direct debits, standing orders and future-dated payments
For these payments we allow you to pay in cleared funds to bring your account into credit or within your arranged overdraft limit on the day on which your payment is due. The cut-off time to do so depends on the type of payment (details below).
We will shortly update our Terms and Conditions and Payments table to reflect these changes.
The term ‘cleared funds’ means that funds must be available immediately, so you could transfer money from another account you have with us through eBanking, Mobile Banking or Tablet Banking, or pay in cash at a branch.
Direct debits-make sure that you have enough money in your account, or within your overdraft limit, by 3.30pm on the day the direct debit is due to be paid.
More information on direct debits
Standing orders-we allow you up until 9.30pm to pay cleared funds into your account on the day a standing order payment is due. If you pay cleared funds into your account before 3pm, the payment will be sent that business day. If you pay cleared funds into your account between 3pm and 9.30pm, (even though we will take the payment from your account on the same business day), it will be value dated for the next business day, and the payee’s bank will not receive the funds until the next business day.
More information on standing orders
Future-dated payments - make sure that you have enough money in your account, or within your overdraft limit by 2pm on the day the future-dated payment is due to be paid.
More information on future-dated payments set up through eBanking, Mobile Bank, Tablet Bank or 24-hour Telephone Banking.
If your direct debits or standing orders are leaving your account on an inconvenient date, you should review your monthly incomings and outgoings and arrange to change the payment date to one that is more suitable for you.
You will have to contact the company taking the direct debit if you want to change the date it leaves your account.
You can change the date a standing order leaves your account through eBanking, or by contacting you branch.
Note: If you want to change the date of a Danske Bank loan payment, you should contact your branch. Changing the payment date may affect the amount of interest that you have to pay on a loan.