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 17 June 2022.

Danske Freedom Danske Choice Danske Discovery Danske Standard Cash Reward Choice Plus (Offsale) Prestige (Offsale)
On sale
Age 18 to 27 18 and over 11 to 17 18 and over 18 and over 18 and over 18 and over
Current Account Yes Yes Yes Yes Yes Yes Yes
Monthly Cash Reward £0 £0 £0 £0 £7 £0 £0
Monthly Qualifying Criteria for Cash Reward Does not apply Does not apply Does not apply Does not apply £1200 credited to account; 1 digital banking logon Does not apply Does not apply
eBanking Yes Yes Yes Yes Yes Yes Yes
Debit Mastercard - cash withdrawals at cash machines and at Post Office® counters Yes Yes Yes Yes Yes Yes Yes
Debit Mastercard - lodgements at Post Office® counters Yes Yes Yes Yes Yes Yes Yes
Debit Mastercard - make a donation to a charity (where the cash-machine provider offers this service) Yes Yes Yes Yes Yes Yes Yes
Debit card - point of sale (for example, shops, over the phone, online) Yes Yes Yes Yes Yes Yes Yes
Chequebook available Yes Yes Does not apply No Yes Yes Yes
Arranged overdraft available Yes Yes Does not apply Does not apply Yes Yes Yes
Maximum arranged overdraft available with no overdraft set-up fee Up to £10,000 Up to £10,000 Does not apply Does not apply Up to £10,000 Up to £15,000 Up to £50,000
Commission-free foreign currency Does not apply Does not apply Does not apply Does not apply Does not apply Yes Yes
Discounted arrangement fee for residential home loans Yes Does not apply Does not apply Does not apply Does not apply Yes Yes
More favourable rates on standard fixed-rate personal loans Yes Does not apply Does not apply Does not apply Does not apply Yes Yes
Monthly package or account fee £0 £0 £0 £0 £2 £11 £18
Arranged Overdraft Interest Rate 0% 33.89% Does not apply Does not apply 33.89% 22.94% Negotiable Max 18.79%
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 39.7% APR representative variable / No arrangement fee / £1,200 total amount of credit Does not apply Does not apply 42.3% APR representative variable / No arrangement fee / £1,200 total amount of credit 39.3% APR representative variable / No arrangement fee / £1,200 total amount of credit 42.9% 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: 7 days £0.00 / 30 days £0.00 / 60 days £0.00 7 days £3.25 / 30 days £13.93 / 60 days £27.85 Does not apply Does not apply 7 days £3.25 / 30 days £13.93 / 60 days £27.85 7 days £2.20/ 30 days £9.43 /60 days £18.85 7 days £1.80/ 30 days £7.72/ 60 days £15.44
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 Cash 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 0% 0% 0% 0% 0% 0.05% 0.10%
Favourable Interest on Linked Savings Account Does not apply Does not apply Does not apply Does not apply Does not apply 0.20% AER Applied in October 0.20% AER Applied in October
Worldwide family travel insurance benefits (Mastercard Gold and Platinum card holders only) Does not apply Does not apply Does not apply Does not apply Does not apply Yes Yes
Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest Does not apply Does not apply Does not apply Does not apply Does not apply Does not apply Yes
Replacement card fee £7 £7 Does not apply £7 £7 £7 £7
On sale
Age 18 to 27
Current Account Yes
Monthly Cash Reward £0
Monthly Qualifying Criteria for Cash Reward Does not apply
eBanking Yes
Debit Mastercard - cash withdrawals at cash machines and 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) Yes
Debit card - point of sale (for example, shops, over the phone, online) Yes
Chequebook available Yes
Arranged overdraft available Yes
Maximum arranged overdraft available with no overdraft set-up fee Up to £10,000
Commission-free foreign currency Does not apply
Discounted arrangement fee for residential home loans Yes
More favourable rates on standard fixed-rate personal loans Yes
Monthly package or account fee £0
Arranged Overdraft Interest Rate 0%
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
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
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 Cash 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 0%
Favourable Interest on Linked Savings Account Does not apply
Worldwide family travel insurance benefits (Mastercard Gold and Platinum card holders only) Does not apply
Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest Does not apply
Replacement card fee £7
On sale
Age 18 and over
Current Account Yes
Monthly Cash Reward £0
Monthly Qualifying Criteria for Cash Reward Does not apply
eBanking Yes
Debit Mastercard - cash withdrawals at cash machines and 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) Yes
Debit card - point of sale (for example, shops, over the phone, online) Yes
Chequebook available Yes
Arranged overdraft available Yes
Maximum arranged overdraft available with no overdraft set-up fee Up to £10,000
Commission-free foreign currency Does not apply
Discounted arrangement fee for residential home loans Does not apply
More favourable rates on standard fixed-rate personal loans Does not apply
Monthly package or account fee £0
Arranged Overdraft Interest Rate 33.89%
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. 39.7% 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: 7 days £3.25 / 30 days £13.93 / 60 days £27.85
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 Cash 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 0%
Favourable Interest on Linked Savings Account Does not apply
Worldwide family travel insurance benefits (Mastercard Gold and Platinum card holders only) Does not apply
Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest Does not apply
Replacement card fee £7
On sale
Age 11 to 17
Current Account Yes
Monthly Cash Reward £0
Monthly Qualifying Criteria for Cash Reward Does not apply
eBanking Yes
Debit Mastercard - cash withdrawals at cash machines and 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) Yes
Debit card - point of sale (for example, shops, over the phone, online) Yes
Chequebook available Does not apply
Arranged overdraft available Does not apply
Maximum arranged overdraft available with no overdraft set-up fee Does not apply
Commission-free foreign currency Does not apply
Discounted arrangement fee for residential home loans Does not apply
More favourable rates on standard fixed-rate personal loans Does not apply
Monthly package or account fee £0
Arranged Overdraft Interest Rate 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
How much does my overdraft cost in pounds and pence? As an example, if you borrow £500 it will cost you: Does not apply
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 Cash 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 0%
Favourable Interest on Linked Savings Account Does not apply
Worldwide family travel insurance benefits (Mastercard Gold and Platinum card holders only) Does not apply
Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest Does not apply
Replacement card fee Does not apply
On sale
Age 18 and over
Current Account Yes
Monthly Cash Reward £0
Monthly Qualifying Criteria for Cash Reward Does not apply
eBanking Yes
Debit Mastercard - cash withdrawals at cash machines and 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) Yes
Debit card - point of sale (for example, shops, over the phone, online) Yes
Chequebook available No
Arranged overdraft available Does not apply
Maximum arranged overdraft available with no overdraft set-up fee Does not apply
Commission-free foreign currency Does not apply
Discounted arrangement fee for residential home loans Does not apply
More favourable rates on standard fixed-rate personal loans Does not apply
Monthly package or account fee £0
Arranged Overdraft Interest Rate 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
How much does my overdraft cost in pounds and pence? As an example, if you borrow £500 it will cost you: Does not apply
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 Cash 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 0%
Favourable Interest on Linked Savings Account Does not apply
Worldwide family travel insurance benefits (Mastercard Gold and Platinum card holders only) Does not apply
Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest Does not apply
Replacement card fee £7
On sale
Age 18 and over
Current Account Yes
Monthly Cash Reward £7
Monthly Qualifying Criteria for Cash Reward £1200 credited to account; 1 digital banking logon
eBanking Yes
Debit Mastercard - cash withdrawals at cash machines and 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) Yes
Debit card - point of sale (for example, shops, over the phone, online) Yes
Chequebook available Yes
Arranged overdraft available Yes
Maximum arranged overdraft available with no overdraft set-up fee Up to £10,000
Commission-free foreign currency Does not apply
Discounted arrangement fee for residential home loans Does not apply
More favourable rates on standard fixed-rate personal loans Does not apply
Monthly package or account fee £2
Arranged Overdraft Interest Rate 33.89%
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: 7 days £3.25 / 30 days £13.93 / 60 days £27.85
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 Cash 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 0%
Favourable Interest on Linked Savings Account Does not apply
Worldwide family travel insurance benefits (Mastercard Gold and Platinum card holders only) Does not apply
Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest Does not apply
Replacement card fee £7
On sale
Age 18 and over
Current Account Yes
Monthly Cash Reward £0
Monthly Qualifying Criteria for Cash Reward Does not apply
eBanking Yes
Debit Mastercard - cash withdrawals at cash machines and 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) Yes
Debit card - point of sale (for example, shops, over the phone, online) Yes
Chequebook available Yes
Arranged overdraft available Yes
Maximum arranged overdraft available with no overdraft set-up fee Up to £15,000
Commission-free foreign currency Yes
Discounted arrangement fee for residential home loans Yes
More favourable rates on standard fixed-rate personal loans Yes
Monthly package or account fee £11
Arranged Overdraft Interest Rate 22.94%
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. 39.3% 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: 7 days £2.20/ 30 days £9.43 /60 days £18.85
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 Cash 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 0.05%
Favourable Interest on Linked Savings Account 0.20% AER Applied in October
Worldwide family travel insurance benefits (Mastercard Gold and Platinum card holders only) Yes
Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest Does not apply
Replacement card fee £7
On sale
Age 18 and over
Current Account Yes
Monthly Cash Reward £0
Monthly Qualifying Criteria for Cash Reward Does not apply
eBanking Yes
Debit Mastercard - cash withdrawals at cash machines and 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) Yes
Debit card - point of sale (for example, shops, over the phone, online) Yes
Chequebook available Yes
Arranged overdraft available Yes
Maximum arranged overdraft available with no overdraft set-up fee Up to £50,000
Commission-free foreign currency Yes
Discounted arrangement fee for residential home loans Yes
More favourable rates on standard fixed-rate personal loans Yes
Monthly package or account fee £18
Arranged Overdraft Interest Rate Negotiable Max 18.79%
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. 42.9% 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: 7 days £1.80/ 30 days £7.72/ 60 days £15.44
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 Cash 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 0.10%
Favourable Interest on Linked Savings Account 0.20% AER Applied in October
Worldwide family travel insurance benefits (Mastercard Gold and Platinum card holders only) Yes
Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest Yes
Replacement card fee £7

The Danske Cash 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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