Danske Choice

Danske Choice

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The all-round, everyday banking account with so much more.​
  • ​Arranged overdraft of up to £7,500 with no set-up fee
  • Contactless payments with Debit MasterCard
  • Online, Mobile and Tablet banking


​If you’re looking for a good all-round current account, then look no further.
Danske Choice offers a range of features including:
  • an arranged overdraft of up to £7,500 without paying an overdraft set-up fee. ​Overdraft Explanations Document​ ​;
  • the first £100 of your arranged overdraft is interest and   fee-free;
  • MasterCard Standard credit card is available;
  • a Debit MasterCard​ with contactless technology that acts as a cash card and a debit card;
  • free cash withdrawals at any Post Office® counter;
  • pay in cash and cheques at any Post Office® counter;
  • text and email alerts to get updates on your account balance; and
  • access to eBanking, Mobile and Tablet banking.

You can apply for this account online using the link above, by phone (0800 66 00 33) or in any branch.

You can also switch your current account to Danske Bank. Switching is free, quick and simple and guaranteed to be completed within seven business days. Learn more about the switching process and how to become a customer by following the link. ​​​​​​​​​​​​​​​​​​​

Prices and conditions

Rates correct as at 05 August 2016.


Interest rates

All rates are shown in percentages (%) Net interest rate Gross interest rate Credit interest rate (AER)
Credit interest rate
All credit balances
0.00% 0.00% 0.00%

We set the credit interest rate, which is variable. We will give you two months' written notice if we reduce the credit interest rate. If we increase the credit interest rate on your account, we will make the change immediately. Interest is added to your account at the end of each calendar month.

Arranged overdraft interest rate Arranged overdraft interest rate (EAR)
Debit balance of £100 or less 0.00% 0.00%
Debit balance of more than £100 14.74% 15.78%

Representative example
15.78% EAR variable
No arrangement fee
£1,200 total amount of credit​

The arranged overdraft interest rate can vary and is currently as shown above.

Unarranged overdraft interest rate Unarranged overdraft interest rate (EAR)
 20.25% 22.24%


The unarranged overdraft interest rate can vary and is currently as shown above.  

The overdraft interest rates are made up of two parts-the Bank of England Bank Rate (BOEBR) and an amount over the BOEBR (known as the 'margin'), which are both variable rates. We set the margin (on an arranged overdraft) and the unarranged margin (on an unarranged excess). When the Bank of England Bank Rate changes, we change the rate at the beginning of the next business day after the Bank of England announces the change. We will give you two months' written notice before we increase the margin or the unarranged margin that applies to your account.

Transaction and package fees

  Danske Choice Fee
Setting up the arranged overdraft No fee for arranged overdrafts of up to £7,500.
1% fee for any amount over £7,500.
Cash withdrawals at one of our branch counters You can make up to four cash withdrawals at a branch counter each calendar month free of charge. For each extra cash withdrawal out of your account at one of our branch counters, we will charge you the fee shown opposite. 70p
Cheque payments You can make up to four cheque payments (see the note below) each calendar month free of charge. For each extra cheque paid out of your account during that month, we will charge you the fee shown opposite. 70p
Unpaid transaction fee​ When we return an item unpaid on your account (sometimes known as 'bouncing' an item), we will charge an unpaid transaction fee for each item that is not paid. We will not charge this fee if the amount you would have been overdrawn by is £5 or less. ​£28
Paid transaction fee​ Each day that we pay an item or group of items and you have an unarranged overdraft, we may charge you a paid transaction fee. The most we will charge you each day is £25 and the maximum amount we will charge you for paid transaction fees in any calendar month is £125. We will not charge this fee if the amount you would have been overdrawn by is £5 or less. ​£25
Arranged overdraft usage fee​ ​Charged monthly to accounts which go overdrawn but stay within an arranged overdraft limit
overdrawn by £100 or less
overdrawn by more than £100
Unarranged overdraft usage fee​ ​Charged monthly to accounts which go overdrawn when there is no arranged overdraft in place, or which go over an arranged overdraft limit without our agreement beforehand. We will not charge this fee if the amount you would have been overdrawn by, or over your arranged overdraft by, is £5 or less. ​£25

If you make a payment out of your account at a branch counter, we will count this as a cheque payment.

A range of charging scenarios is available to show you the charges you will be expected to pay if you try to spend money that isn't in your account and you haven't arranged an overdraft, or if you spend money that takes your account into unarranged overdraft.

You can also reduce or avoid fees and service charges by managing your current account. Follow the link to read our recommended steps.



  • You must be aged 18 or over to open this account.
  • If you are not an existing Danske Bank customer, to be eligible to apply via our website, you need to be living in Northern Ireland. If you are an existing Danske Bank customer not yet registered for our eBanking service, to be eligible to apply via our website you need to be living in the United Kingdom.
  • You will need your debit card to pay in cash and cheques at any Post Office® counter.
  • There are limits on the number of withdrawals you can make over the counter at our branches. There are also limits on the number of cheque payments you can make. 
  • With eBanking, we automatically send your statements to your electronic mailbox in eBanking, unless you tell us otherwise.
  • Lending terms and conditions apply. 
  • Arranged overdrafts are repayable on demand. This means you would have to pay the overdraft off when asked to do so.  You may need to provide security.
  • You can get details of fees, service charges and interest rates that may apply to our personal current accounts from any of our branches and throughout this website.

Important information

Terms and conditions Fees and service charges explained Click here for important information Personal account interest rates

To help keep you up to date with your account balance, we can send you a text message to let you know when your balance falls above or below a level you have set with us. We do not charge for this service but your phone company may charge you.

You must be registered for and logged into eBanking using your Access ID to be able to use Danske Mobile Bank and Danske Tablet Bank. Danske Mobile Bank App is available on iOS and Android devices and Windows Phones. Danske Tablet Bank App is available for Android and iOS devices.

Crystal Mark 21738​​​​​​

0345 6002 882

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