Inactive accounts

We are committed to making sure that our customers have the correct products and services. That's one reason why we have written to customers whose accounts have been inactive for at least 12 months.

Inactive accounts are different from dormant, lost or forgotten accounts.

You can find out about how to trace old or unused current or savings accounts that you may have with us on our lost or forgotten accounts page.

Below you will find details on inactive accounts that have a balance of less than £10 and that have been inactive for at least 12 months.

Customer questions and answers
Why are you planning to close my current, credit-card or savings account?


According to our records, the balance(s) is less than £10 and you have not used the account(s) for at least 12 months. In accordance with the terms and conditions of the account, we are giving you two months' notice of our intention to close the account(s) s.

Why has my credit-card limit been reduced?


There has been no activity on your credit card account for at least 12 months. To prevent the risk of fraud, the card limit has been reduced pending closure of the account. As a responsible lender, we will reduce the credit limit where the credit card is not in use.

Why has my overdraft limit been reduced?


There has been no activity on your account and no use of the overdraft facility on that account for at least 12 months. To prevent the risk of fraud the overdraft limit has been reduced pending closure of the account. As a responsible lender, we will remove an overdraft limit where the facility is not being used.

I want to close the account immediately. What should I do?


You can close the account by visiting any Danske Bank branch in person before the date quoted on the letter. If you have been issued with a debit or credit card(s) (for example, Debit MasterCard), you should immediately destroy the card(s) by cutting through the magnetic stripe and electronic chip before carefully disposing of the card(s).


If there is a balance in your account, you can withdraw it by visiting any Danske Bank branch in person before the date quoted on your recent letter. We will need to confirm your identity and suitable photographic identification will be required. If you have changed your address, please also bring original proof of address with you e.g. a recent utility bill.


If we do not hear from you during the two month notice period, the account will be closed on or shortly after 6th January 2015. You will still be able to claim the balance after this date but you will have to contact us to do this. You will need to provide details of the closed account(s) and you will also have to provide proof of your identity. We will process your request within five business days.

I want to keep the account open and start using it again. What do I need to do?


If you would like to start using your account(s) again, please visit any Danske Bank branch in person before 6th January 2015. We will need to confirm your identity and suitable photographic identification will be required. If you have changed your address, please also bring original proof of address with you e.g. a recent utility bill. You will also need to satisfy us that you intend to use your account(s).

I want to keep my account open but I am not able to visit any Danske Bank branch. What should I do?


You can write to us at:

Inactive Accounts
Danske Bank
PO Box 2111
Belfast
BT10 9EG

Please tell us the sort code and account number for each account you wish to keep open, your current address and a daytime telephone number. Please sign the letter. Following receipt of your written instruction, we will contact you by telephone to discuss your requirements.

How can I reclaim the money in my account after the two-month notice period has ended?


You will still be able to claim the balance after this date but you will have to contact us to do this. You will need to provide details of the closed account(s) and you will also have to provide proof of your identity. If you have changed your address, we will also need you to provide proof of your new address. We will process your request within five business days.

What should I bring to the branch as proof of my identity?


The most common forms of documentation that are acceptable to prove your identity are:
• Valid passport
• Valid UK/ROI Photo-Card Driving Licence, Full or Provisional (the photo-card is sufficient without the paper part of the licence)
• Valid EU Photo-Card Driving Licence
• EEA member state identity card (for non UK Residents only)
• Current Electoral Identity Card for Northern Ireland
• Blue Parking Card
• Translink ‘Senior Smartpass’/ DRD Half Fare Smart Pass

If you do not hold any of the above, please contact your branch for guidance on what other documentation is acceptable.

I have changed my address. What should I bring to the branch as proof of my address?


The most common forms of documentation that are acceptable to prove your address are:
• Original recent Utility Bill (e.g. gas, electricity, telephone, etc.) issued within the last three months or, if an annual bill, for the current year; mobile telephone bills and store card statements are not acceptable
• Original Land & Property Services Bill/Notice, valid for the current year
• Valid UK Photo-Card Driving Licence, both Full and provisional
• EEA member state identity card that contains an address
• Vehicle Registration Document

If you do not hold any of the above, please contact your branch for guidance on what other documentation is acceptable.

I was registered for eBanking or Business eBanking, will I still be able to get access to this once the account is closed?


No. Your eBanking/ Business eBanking agreement will also end when your account(s) is closed. This means that on or after 6th January 2015 you will no longer be able to access any documents in your electronic mailbox and you should take such steps as you deem appropriate to retain copies of any electronic mail that we have sent you such as statements and other communications. If you wish to store the electronic documents yourself, you can either print them or save them on your computer before 6th January 2015. You should be aware that once you export information from a secure website it will no longer be secure.

My debit or credit card is due to expire, will I get a new one?


No. As your account(s) will be closed on or after 6th January 2015 we do not intend to send out a replacement card(s). However, if you wish to keep the account(s) open and you have advised us of this we will arrange for any replacement debit/ credit card(s) to be issued as soon as possible after we have dealt with your request.
You may have received a letter from us earlier this year to tell you that we would be replacing your Maestro card (personal account) with a Debit MasterCard or your Business Maestro Card (business account) with a MasterCard Business Debit Card. Unless you advise us that you wish to keep your account(s) open, we will not send you a new Debit MasterCard or MasterCard Business Debit Card.
If you have already received a Debit MasterCard or MasterCard Business Debit Card in relation to the account(s) detailed on this letter and you have no objection to the closure of the account(s), you should immediately destroy and dispose of the card(s) that we have issued to you for the account(s). To destroy the card(s) cut through the magnetic stripe and electronic chip and dispose of it carefully.

Crystal Mark 21738

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