See what you’re spending and where with the Spending overview tool, available on eBanking and the Mobile Bank app. It groups your spend into categories to show you where your money’s going.

Keep on top of your accounts

As well as eBanking and our Mobile Bank app, you can also stay in control of your money with text and email alerts. We can text you if you go into your overdraft, keep you up to date with your bank balance and help you avoid missing payments (and unnecessary charges).

You must be a Danske Bank customer and be registered for eBanking to use these tools. eBanking may be temporarily unavailable when we are carrying out routine maintenance.

Think about expenses that you don’t pay monthly, such as weekly or annual. This could be things like road tax or heating oil. Work out what they’d cost you each month and work that into your budget.

You may be able to live without extra TV packages, music subscriptions and unused gym memberships. Check your contract before cancelling anything. Although many are 'pay as you go', you may be tied in for a set time.

This simple change can make a big difference. If you can get your regular payments - rent or mortgage, car insurance, phone bill – to come out of your account the day you get paid, then it’s much easier to budget with what’s left.

To change the date of a Direct Debit, speak to the company that set it up. You may not be able to get it exactly on the date you want, but the closer to payday the better. Danske Bank customers can also delete it altogether in eBanking, but make sure you don’t owe anything first!

As a customer, you change the date of a standing order yourself on eBanking or through the Mobile Bank app. To change the date of a standing order for a Danske Bank loan or mortgage, send us a message in eBanking or the app or phone us.

Cancelled a payment but it's still coming out? In some cases (for example, if you have Netflix, Now TV or Amazon Prime) the regular payment comes off your card instead of out of your account. This means that even if you block your card and get a replacement, the payment will keep coming out! To cancel or ask us about one of these, send us a message or phone us.

Regularly check your bank account to make sure you’re on track and haven’t forgotten about any payments.

Whether it’s on your groceries, insurance or gas, it may be worth shopping around for a better deal. You may save some money.

If you have debt (whether with Danske Bank or not), it’s worth asking if you can repay it early. You could save interest in the long term. You may also want to think about merging your debts into one, manageable payment.

If you can, try to save a realistic amount every month for emergencies. Set up a standing order so it leaves your account without you thinking about it. Set an overall savings goal to keep you focused.

We know that financial matters don’t just affect your finances; it can be a worrying time if you’re feeling under pressure. Our charity partner AWARE NI are a dedicated depression charity with a number of options available to help you overcome mental difficulties. You may also find the Money and Mental Health Policy Institute to be a source of support if your finances are affecting your mental health.