Compare accounts

The table below compares the features of our personal current accounts.

This comparison tool is to give you an example only.

Rates correct as at 25 March 2025.

  Danske Freedom Danske Choice Danske Discovery Danske Standard Danske Reward Choice Plus (Offsale) Prestige (Offsale)

Age

Age

18 to 27

Age

18 and over

Age

11 to 17

Age

18 and over

Age

18 and over

Age

18 and over

Age

18 and over

Current Account

Current Account

Yes

Current Account

Yes

Current Account

Yes

Current Account

Yes

Current Account

Yes

Current Account

Yes

Current Account

Yes

Monthly Reward

Monthly Reward

£0

Monthly Reward

£0

Monthly Reward

£0

Monthly Reward

£0

Monthly Reward

£5

Monthly Reward

£0

Monthly Reward

£0

Monthly Qualifying Criteria for Reward

Monthly Qualifying Criteria for Reward

Does not apply

Monthly Qualifying Criteria for Reward

Does not apply

Monthly Qualifying Criteria for Reward

Does not apply

Monthly Qualifying Criteria for Reward

Does not apply

Monthly Qualifying Criteria for Reward

£1000 credited to account; digital statements on account; 8x debit card txns per month

Monthly Qualifying Criteria for Reward

Does not apply

Monthly Qualifying Criteria for Reward

Does not apply

eBanking

eBanking

Yes

eBanking

Yes

eBanking

Yes

eBanking

Yes

eBanking

Yes

eBanking

Yes

eBanking

Yes

Debit Mastercard - cash withdrawals at cash machines and at Post Office® counters

Debit Mastercard - cash withdrawals at cash machines and at Post Office® counters

Yes

Debit Mastercard - cash withdrawals at cash machines and at Post Office® counters

Yes

Debit Mastercard - cash withdrawals at cash machines and at Post Office® counters

Yes

Debit Mastercard - cash withdrawals at cash machines and at Post Office® counters

Yes

Debit Mastercard - cash withdrawals at cash machines and at Post Office® counters

Yes

Debit Mastercard - cash withdrawals at cash machines and at Post Office® counters

Yes

Debit Mastercard - cash withdrawals at cash machines and at Post Office® counters

Yes

Debit Mastercard - lodgements at Post Office® counters

Debit Mastercard - lodgements at Post Office® counters

Yes

Debit Mastercard - lodgements at Post Office® counters

Yes

Debit Mastercard - lodgements at Post Office® counters

Yes

Debit Mastercard - lodgements at Post Office® counters

Yes

Debit Mastercard - lodgements at Post Office® counters

Yes

Debit Mastercard - lodgements at Post Office® counters

Yes

Debit Mastercard - lodgements at Post Office® counters

Yes

Debit Mastercard - make a donation to a charity (where the cash-machine provider offers this service)

Debit Mastercard - make a donation to a charity (where the cash-machine provider offers this service)

Yes

Debit Mastercard - make a donation to a charity (where the cash-machine provider offers this service)

Yes

Debit Mastercard - make a donation to a charity (where the cash-machine provider offers this service)

Yes

Debit Mastercard - make a donation to a charity (where the cash-machine provider offers this service)

Yes

Debit Mastercard - make a donation to a charity (where the cash-machine provider offers this service)

Yes

Debit Mastercard - make a donation to a charity (where the cash-machine provider offers this service)

Yes

Debit Mastercard - make a donation to a charity (where the cash-machine provider offers this service)

Yes

Debit card - point of sale (for example, shops, over the phone, online)

Debit card - point of sale (for example, shops, over the phone, online)

Yes

Debit card - point of sale (for example, shops, over the phone, online)

Yes

Debit card - point of sale (for example, shops, over the phone, online)

Yes

Debit card - point of sale (for example, shops, over the phone, online)

Yes

Debit card - point of sale (for example, shops, over the phone, online)

Yes

Debit card - point of sale (for example, shops, over the phone, online)

Yes

Debit card - point of sale (for example, shops, over the phone, online)

Yes

Chequebook available

Chequebook available

Yes

Chequebook available

Yes

Chequebook available

Does not apply

Chequebook available

No

Chequebook available

Yes

Chequebook available

Yes

Chequebook available

Yes

Arranged overdraft available

Arranged overdraft available

Yes

Arranged overdraft available

Yes

Arranged overdraft available

Does not apply

Arranged overdraft available

Does not apply

Arranged overdraft available

Yes

Arranged overdraft available

Yes

Arranged overdraft available

Yes

Maximum arranged overdraft available with no overdraft set-up fee

Maximum arranged overdraft available with no overdraft set-up fee

Up to £10,000

Maximum arranged overdraft available with no overdraft set-up fee

Up to £10,000

Maximum arranged overdraft available with no overdraft set-up fee

Does not apply

Maximum arranged overdraft available with no overdraft set-up fee

Does not apply

Maximum arranged overdraft available with no overdraft set-up fee

Up to £10,000

Maximum arranged overdraft available with no overdraft set-up fee

Up to £15,000

Maximum arranged overdraft available with no overdraft set-up fee

Up to £50,000

Commission-free foreign currency

Commission-free foreign currency

Does not apply

Commission-free foreign currency

Does not apply

Commission-free foreign currency

Does not apply

Commission-free foreign currency

Does not apply

Commission-free foreign currency

Does not apply

Commission-free foreign currency

Yes

Commission-free foreign currency

Yes

Discounted arrangement fee for residential home loans

Discounted arrangement fee for residential home loans

Yes

Discounted arrangement fee for residential home loans

Does not apply

Discounted arrangement fee for residential home loans

Does not apply

Discounted arrangement fee for residential home loans

Does not apply

Discounted arrangement fee for residential home loans

Does not apply

Discounted arrangement fee for residential home loans

Yes

Discounted arrangement fee for residential home loans

Yes

More favourable rates on standard fixed-rate personal loans

More favourable rates on standard fixed-rate personal loans

Yes

More favourable rates on standard fixed-rate personal loans

Does not apply

More favourable rates on standard fixed-rate personal loans

Does not apply

More favourable rates on standard fixed-rate personal loans

Does not apply

More favourable rates on standard fixed-rate personal loans

Does not apply

More favourable rates on standard fixed-rate personal loans

Yes

More favourable rates on standard fixed-rate personal loans

Yes

Monthly package or account fee

Monthly package or account fee

£0

Monthly package or account fee

£0

Monthly package or account fee

£0

Monthly package or account fee

£0

Monthly package or account fee

£2

Monthly package or account fee

£11

Monthly package or account fee

£18

Arranged Overdraft Interest Rate

Arranged Overdraft Interest Rate

0%

Arranged Overdraft Interest Rate

33.39%

Arranged Overdraft Interest Rate

Does not apply

Arranged Overdraft Interest Rate

Does not apply

Arranged Overdraft Interest Rate

33.39%

Arranged Overdraft Interest Rate

22.44%

Arranged Overdraft Interest Rate

Negotiable Max 18.29%

Representative example How does our overdraft compare? The purpose of a representative APR is to enable you to compare the costs associated with different credit products.

Representative example How does our overdraft compare? The purpose of a representative APR is to enable you to compare the costs associated with different credit products.

0.0% APR representative variable / No arrangement fee / £1,200 total amount of credit

Representative example How does our overdraft compare? The purpose of a representative APR is to enable you to compare the costs associated with different credit products.

39.0% APR representative variable / No arrangement fee / £1,200 total amount of credit

Representative example How does our overdraft compare? The purpose of a representative APR is to enable you to compare the costs associated with different credit products.

Does not apply

Representative example How does our overdraft compare? The purpose of a representative APR is to enable you to compare the costs associated with different credit products.

Does not apply

Representative example How does our overdraft compare? The purpose of a representative APR is to enable you to compare the costs associated with different credit products.

41.7% APR representative variable / No arrangement fee / £1,200 total amount of credit

Representative example How does our overdraft compare? The purpose of a representative APR is to enable you to compare the costs associated with different credit products.

38.7% APR representative variable / No arrangement fee / £1,200 total amount of credit

Representative example How does our overdraft compare? The purpose of a representative APR is to enable you to compare the costs associated with different credit products.

42.3% APR representative variable / No arrangement fee / £1,200 total amount of credit

How much does my overdraft cost in pounds and pence? As an example, if you borrow £500 it will cost you:

How much does my overdraft cost in pounds and pence? As an example, if you borrow £500 it will cost you:

7 days £0.00 / 30 days £0.00 / 60 days £0.00

How much does my overdraft cost in pounds and pence? As an example, if you borrow £500 it will cost you:

7 days £3.20 / 30 days £13.72 / 60 days £27.44

How much does my overdraft cost in pounds and pence? As an example, if you borrow £500 it will cost you:

Does not apply

How much does my overdraft cost in pounds and pence? As an example, if you borrow £500 it will cost you:

Does not apply

How much does my overdraft cost in pounds and pence? As an example, if you borrow £500 it will cost you:

7 days £3.20 / 30 days £13.72 / 60 days £27.44

How much does my overdraft cost in pounds and pence? As an example, if you borrow £500 it will cost you:

7 days £2.15/ 30 days £9.22 /60 days £18.44

How much does my overdraft cost in pounds and pence? As an example, if you borrow £500 it will cost you:

7 days £1.75/ 30 days £7.52/ 60 days £15.03

This example assumes that you borrow the £500 in full on the first day of a 30 day month and interest is prenotified at the end of that month and charged to your account at the end of the following month. This example doesn’t include the £2 monthly account fee which is charged for Danske Reward, the £11 monthly package fee which is charged for Danske Choice Plus or the £18 monthly package fee which is charged for Danske Prestige. Use our calculator at danskebank.co.uk/overdraftcostcalculator to find out exactly how much your overdraft will cost.

This example assumes that you borrow the £500 in full on the first day of a 30 day month and interest is prenotified at the end of that month and charged to your account at the end of the following month. This example doesn’t include the £2 monthly account fee which is charged for Danske Reward, the £11 monthly package fee which is charged for Danske Choice Plus or the £18 monthly package fee which is charged for Danske Prestige. Use our calculator at danskebank.co.uk/overdraftcostcalculator to find out exactly how much your overdraft will cost.

This example assumes that you borrow the £500 in full on the first day of a 30 day month and interest is prenotified at the end of that month and charged to your account at the end of the following month. This example doesn’t include the £2 monthly account fee which is charged for Danske Reward, the £11 monthly package fee which is charged for Danske Choice Plus or the £18 monthly package fee which is charged for Danske Prestige. Use our calculator at danskebank.co.uk/overdraftcostcalculator to find out exactly how much your overdraft will cost.

This example assumes that you borrow the £500 in full on the first day of a 30 day month and interest is prenotified at the end of that month and charged to your account at the end of the following month. This example doesn’t include the £2 monthly account fee which is charged for Danske Reward, the £11 monthly package fee which is charged for Danske Choice Plus or the £18 monthly package fee which is charged for Danske Prestige. Use our calculator at danskebank.co.uk/overdraftcostcalculator to find out exactly how much your overdraft will cost.

This example assumes that you borrow the £500 in full on the first day of a 30 day month and interest is prenotified at the end of that month and charged to your account at the end of the following month. This example doesn’t include the £2 monthly account fee which is charged for Danske Reward, the £11 monthly package fee which is charged for Danske Choice Plus or the £18 monthly package fee which is charged for Danske Prestige. Use our calculator at danskebank.co.uk/overdraftcostcalculator to find out exactly how much your overdraft will cost.

This example assumes that you borrow the £500 in full on the first day of a 30 day month and interest is prenotified at the end of that month and charged to your account at the end of the following month. This example doesn’t include the £2 monthly account fee which is charged for Danske Reward, the £11 monthly package fee which is charged for Danske Choice Plus or the £18 monthly package fee which is charged for Danske Prestige. Use our calculator at danskebank.co.uk/overdraftcostcalculator to find out exactly how much your overdraft will cost.

This example assumes that you borrow the £500 in full on the first day of a 30 day month and interest is prenotified at the end of that month and charged to your account at the end of the following month. This example doesn’t include the £2 monthly account fee which is charged for Danske Reward, the £11 monthly package fee which is charged for Danske Choice Plus or the £18 monthly package fee which is charged for Danske Prestige. Use our calculator at danskebank.co.uk/overdraftcostcalculator to find out exactly how much your overdraft will cost.

This example assumes that you borrow the £500 in full on the first day of a 30 day month and interest is prenotified at the end of that month and charged to your account at the end of the following month. This example doesn’t include the £2 monthly account fee which is charged for Danske Reward, the £11 monthly package fee which is charged for Danske Choice Plus or the £18 monthly package fee which is charged for Danske Prestige. Use our calculator at danskebank.co.uk/overdraftcostcalculator to find out exactly how much your overdraft will cost.

Gross Interest rates on cleared credit balances

Gross Interest rates on cleared credit balances

0%

Gross Interest rates on cleared credit balances

0%

Gross Interest rates on cleared credit balances

0%

Gross Interest rates on cleared credit balances

0%

Gross Interest rates on cleared credit balances

0%

Gross Interest rates on cleared credit balances

0.40%

Gross Interest rates on cleared credit balances

0.45%

Favourable Interest on Linked Savings Account

Favourable Interest on Linked Savings Account

Does not apply

Favourable Interest on Linked Savings Account

Does not apply

Favourable Interest on Linked Savings Account

Does not apply

Favourable Interest on Linked Savings Account

Does not apply

Favourable Interest on Linked Savings Account

Does not apply

Favourable Interest on Linked Savings Account

2.50% AER Applied in October

Favourable Interest on Linked Savings Account

2.50% AER Applied in October

Cashback (Mastercard Gold and Platinum car holders only)

Cashback (Mastercard Gold and Platinum car holders only)

Does not apply

Cashback (Mastercard Gold and Platinum car holders only)

Does not apply

Cashback (Mastercard Gold and Platinum car holders only)

Does not apply

Cashback (Mastercard Gold and Platinum car holders only)

Does not apply

Cashback (Mastercard Gold and Platinum car holders only)

Does not apply

Cashback (Mastercard Gold and Platinum car holders only)

0.25% on transactions of £30 and over

Cashback (Mastercard Gold and Platinum car holders only)

0.25% on transactions of £30 and over

Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest

Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest

Does not apply

Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest

Does not apply

Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest

Does not apply

Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest

Does not apply

Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest

Does not apply

Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest

Does not apply

Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest

Yes

Replacement card fee

Replacement card fee

£6/£4*

Replacement card fee

£6/£4*

Replacement card fee

Does not apply

Replacement card fee

£6/£4*

Replacement card fee

£6/£4*

Replacement card fee

£6/£4*

Replacement card fee

£6/£4*

*£6, if ordered at branch or on the phone;
£4, if ordered by eBanking or Danske Mobile Banking.
(Your first credit card and renewal cards on expiry will be free.)

The Danske Reward % APR representative variable includes the £2 monthly account fee. The Danske Choice Plus % APR representative variable includes the £11 monthly package fee and the Danske Prestige % APR representative variable includes the £18 monthly package fee.

Whether we grant you any of our credit facilities depends on your age and circumstances.

We may change or withdraw the products or benefits associated with Danske personal packages.

When comparing our personal current accounts, you should also consider the fees, service charges and interest rates that apply to each one. Details are available in our 'Fees and service charges explained' and 'Interest rates' leaflets (available at any branch and on this website).

If you are under 18, you may need your parent's or guardian’s permission before you can use some services.

These accounts can be used for Account Information Services and Payment Initiation Services.


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