Notice of changes to our terms and conditions and other important information

Where we talk about Danske Bank Card Exchange Rate (UK)

We’ve updated the language we use when talking about Danske Bank Card Exchange Rate (UK) to make it simpler and easier to understand.

We’ve clarified that the Danske Bank Card Exchange Rate (UK) is applied on the date we receive the transaction from the Payment Scheme, so you know when the rate is determined.

We’ve also clarified that the rate you see on your statement may differ from the rate shown when a transaction took place.

• Special Terms and Conditions Debit Mastercard Personal Card-Clause 8 –Debits
• Personal Danske Mastercard Credit Cards Terms and Conditions-Condition 3.6 –Non-sterling transactions
• Danske Mastercard Platinum Plus Credit Cards Terms and Conditions-Condition 3.6 –Non-sterling transactions

We want to be clearer about Danske Bank Exchange Rate (UK)

Foreign Payments can be made into your account in the following ways:

• Receiving money by electronic payment within the UK (in a currency other than sterling); or
• Receiving money from outside the UK (in any currency).

We will convert any non-sterling payments received for your account to sterling, before we credit your account using the Danske Bank Exchange Rate (UK) for the relevant currency.

Danske Bank Exchange Rate (UK) includes a margin that is set by us.

Further details about Danske Bank Exchange Rate (UK) can be found on our website at danskebank.co.uk/exchangerates.

General Terms and Conditions - Personal Banking - Clause 3 – Payments into Your Account and Clause 17 – Exchange Rates

If we close your account because we believe you’re no longer using it

We are introducing a new clause allowing us, in certain scenarios, to donate a low account balance to a registered charity upon closing your account. This will only occur if:

Your account contains a small amount of money at the time of closure. The account has been inactive for an extended period. You do not have another current or savings account with us to transfer the funds.

We’ll always try to contact you before taking this step. You can request the return of your money even after it’s been donated.

General Terms and Conditions - Personal Banking - Clause 20 – Closing your account

We’ve made changes to our Notices and Communications clause

We are committed to keeping you informed about changes and updates that may affect your account with us. We’ve therefore refined the Notices and Communications section of our terms and conditions, making it easier for you to understand how we will keep you informed.

Our Methods of Communication

We've clarified how we may send you important notices and communications, with defined timelines for when you are considered to have received them. Provided we have your contact details, the choice of communication method will be up to us, with our preferred option being digital communication. We won’t send personal information (such as date of birth, PINs or account numbers) by email:

• Electronic Mailbox:

  If you use this service, we may upload communications to your electronic mailbox and notify you via email or SMS. These notifications are a requirement of this service and cannot be opted out of. This does not impact other service or marketing digital communications received from the bank and you can opt out of these messages at any time. You are considered to have received the communication the day after we send the notification, unless a delivery error message is received.

• Email:

  We will send communications to the most recent email address you have provided. You will be considered as having received the email the day after it is sent, unless we receive a delivery error message.

• Mail:

  Communications will be sent to the address we have on record for you. You are considered to have received our letter five days after we postit.

Joint Accounts: We've made it clear that for joint accounts, any communication addressed to one account holder is considered sent to all holders, unless agreed otherwise.

Updating Your Contact Details: It is important to keep your contact information up to date. Please inform us promptly, by secure mail, post, or by visiting any of our branches (bring photographic ID) if your home address changes. You can update your email address and phone number in eBanking or Mobile Banking.

Sending Notices to Us: The process for sending notices to us remains largely unchanged. You can communicate with us in writing via post to our registered address, or through secure mail in eBanking or Mobile Banking.

These amendments are designed to streamline and clarify our communication process, ensuring that you receive important information in a timely manner. If you have any questions or need further clarification, please do not hesitate to reach out to us.

General Terms and Conditions - Personal Banking - Clause 26 - Notices and Communications