Compare accounts

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

This comparison tool is to give you an example only.​​

We have put some temporary measures in place for our overdraft customers, to find out more please read our Coronavirus: Overdraft Support for Personal Current Account Customers guide.​​​

The table below does not include details of these temporary changes.​​​

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ProductsDanske FreedomDanske ChoiceDanske DiscoveryDanske StandardDanske Cash RewardCashMaster Account (offsale)Current Account Personal (offsale)Current Account Plus (offsale)ChequeMaster Account (offsale)Principal (offsale)Danske Choice Plus (offsale)Danske Prestige (offsale)Danske 24/7 (offsale)
 
Age18 to 2718 and over11 to 1718 and over18 and over14 and over18 and over18 and over18 and over18 and over18 and over18 and over18 and over
Current accountYesYesYesYesYesYesYesYesYesYesYesYesYes
Monthly Cash Reward£0£0£0£0£7£0£0£0£0£0£0£0£0
Monthly Qualifying Criteria for Cash RewardDoes not applyDoes not applyDoes not applyDoes not apply£1200 credited to account; 1 digital banking logonDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not apply
eBanking YesYesYesYesYesYesYesYesYesYesYesYesYes
Debit Mastercard - cash withdrawals at cash machines and at Post Office® countersYesYesYesYesYesYesYesYesYesYesYesYesYes
Debit Mastercard - lodgements at Post Office® countersYesYesYesYesYesYesYesYesYesYesYesYesYes
Debit Mastercard - make a donation to a charity (where the cash-machine provider offers this service)YesYesYesYesYesYesYesYesYesYesYesYesYes
Debit card - point of sale (for example, shops, over the phone, online)YesYesYesYesYesYesYesYesYesYesYesYesYes
Chequebook availableYesYesDoes not applyNoYesNoYesYesYesYesYesYesYes
Arranged overdraft availableYesYesDoes not applyDoes not applyYesYesYesYesYesYesYesYesMinimum £50
Maximum arranged overdraft available with no overdraft set-up feeUp to £10,000Up to £10,000Does not applyDoes not applyUp to £10,000No feeNo feeNo feeNo feeNo fee Up to £15,000 Up to £50,000 Up to £10,000
Commission-free foreign currencyYesDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyYesYesDoes not apply
Discounted arrangement fee for residential home loansYesDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyYesYesDoes not apply
More favourable rates on standard fixed-rate personal loansYesDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyYesYesDoes not apply
Monthly package or account fee£0£0£0£0£2£0£0£0£0£0£11£18£0
Arranged Overdraft Interest Rate0% 14.59%Does not applyDoes not apply16.59%14.59%14.59%14.59%14.59%Negotiable Max 14.59%10.09%Negotiable Max 9.59%10.09%
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 credit15.6% APR representative variable / No arrangement fee / £1,200 total amount of creditDoes not applyDoes not apply20.2% APR representative variable / No arrangement fee / £1,200 total amount of credit15.6% APR representative variable / No arrangement fee / £1,200 total amount of credit15.6% APR representative variable / No arrangement fee / £1,200 total amount of credit15.6% APR representative variable / No arrangement fee / £1,200 total amount of credit15.6% APR representative variable / No arrangement fee / £1,200 total amount of credit15.6% APR representative variable / No arrangement fee / £1,200 total amount of credit23.0% APR representative variable / No arrangement fee / £1,200 total amount of credit30.8% APR representative variable / No arrangement fee / £1,200 total amount of credit10.6% 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 £0.007 days £1.40 / 30 days £6.00 / 60 days £11.99Does not applyDoes not apply7 days £1.59 / 30 days £6.82 / 60 days £13.647 days £1.40 / 30 days £6.00 / 60 days £11.997 days £1.40 / 30 days £6.00 / 60 days £11.997 days £1.40 / 30 days £6.00 / 60 days £11.997 days £1.40 / 30 days £6.00 / 60 days £11.997 days £1.40 / 30 days £6.00 / 60 days £11.997 days £0.97 / 30 days £4.15 /60 days £8.297 days £0.92 / 30 days £3.94 / 60 days £7.887 days £0.97 / 30 days £4.15 / 60 days £8.29
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 balances0%0%0%0%0%0%0%0%0%0%0.05%0.15%0.00%
Favourable Interest on Linked Savings AccountDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not apply0.25% AER Applied in October 0.30% AER Applied in October Does not apply
Worldwide family travel insurance benefits (Mastercard Gold and Platinum card holders only) Does not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyYesYesDoes not apply
Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guestDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyDoes not applyYesDoes not apply
Number of free cheques per month Four each month. Each additional cheque costs 70pFour each month. Each additional cheque costs 70pDoes not applyDoes not applyUnlimitedDoes not applyUnlimitedUnlimitedUnlimitedUnlimitedUnlimitedUnlimitedNone. £1 charge for every cheque
Number of free counter cash withdrawals per monthFour each month. Each additional item costs 70pFour each month. Each additional item costs 70pUnlimitedFour each month. Each additional item costs 70pFour each month. Each additional item costs 70pUnlimitedUnlimitedUnlimitedUnlimitedUnlimitedUnlimitedUnlimitedNone. £1 charge for every cash withdrawal at a branch counter
 

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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