Notice of changes to our terms and conditions and other important information
From 1 April 2026 we’re making some changes to our terms and conditions. We’ve explained the changes below and the terms and conditions affected. You can view these at danskebank.co.uk/docs. You don’t have to do anything but if you’re not happy with these changes you can end your agreement with us at any time.
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We’re increasing the notice period we’re required to give when closing accounts |
Provided we have a good reason for doing so, we can end your agreement and close your account with us on two months’ notice. Due to upcoming regulatory changes, we’re increasing this to 90 days. There will continue to be some instances where we can reduce this notice period, for example, if an account is being used for fraudulent or criminal activity or if a customer has been abusive toward our staff. Further details can be found in the terms and conditions which apply to your account. |
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Other important information |
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Amendments to the fees and service charges explained– Foreign payments document |
We have updated the foreign cash, drafts and cheques section, to reflect the following changes:
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| Keeping you up to date about our products, offers and services | Want to keep up with what we can do for you at Danske Bank? Give us the go-ahead and we’ll keep you in the loop with relevant news about our products and services including any of our offers and competitions. If you’d like to hear more about these occasionally, or if you’d rather stop receiving this information, you can send us a secure mail in eBanking or the Mobile Banking app, call us on 0345 600 2882 or visit any of our branches. |
| Do you have a variable rate mortgage or personal loan with us? | If the interest you pay is calculated using Danske Bank Reference Rate (UK), Danske Bank Standard Variable Rate (UK) or Danske Bank Re:pay Rate (UK), we’d like to remind you that we set these interest rates ourselves and they may change at any time. In particular, it’s important to note that Danske Bank Reference Rate (UK) may vary from the Bank of England’s Bank Rate and may not fall below zero, even if the Bank of England Bank Rate does. We will tell you about changes to our rates by advertising on our website, in our branches and in newspapers published in Northern Ireland. We’ll also keep you informed in your account statements. Changes to Danske Bank Reference Rate (UK) take effect the day after we announce the change whilst changes to the Standard Variable and Re:pay rates take effect on the date set out in our notice to you. |
| Does your mortgage have an introductory interest rate? | Please check if your mortgage has an introductory interest rate. It’s important that you get the most suitable mortgage for your circumstances. If your introductory period has ended, and your mortgage has changed over to either Standard Variable Rate or Danske Follow-on Rate, we may be able to offer you another mortgage that’s more suitable. Have a look at danskebank.co.uk/mortgages. |
| FSCS Depositor Protection changes | The Prudential Regulation Authority announced that from 1 December 2025 there has been an increase to the depositor protection limit per eligible depositor from £85,000 to £120,000. There has also been an increase to the Temporary High Balance Limit from £1 million to £1.4 million. Whilst the disclosure documents included in this mailing refer to the previous limits, the new limits apply. |
Contact us:
Phone 0345 600 2882 | Send us a message on Mobile Banking or eBanking
Write to us at
PO Box 2111,
Belfast,
BT10 9EG.
Call charges may vary. You can find all our contact numbers and up-to-date opening hours information at danskebank.co.uk/contact.
Danske Bank is a trading name of Northern Bank Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register reference number 122261. Registered in Northern Ireland R568. Registered Office: Donegall Square West, Belfast BT1 6JS, Northern Bank Limited is a member of the Danske Bank Group.
This publication is also available in Braille, in large print, on tape and on disk. Please call us for details.
Correct as at 12/2025.
