Traditional bankUpdated 15 October 2026

Danske Bank fees and price list 2026

In October 2026 Danske Bank's Danske Silver package (account, Mastercard Debit card and online banking credentials) costs €7.80/month at benefit level 1 and €0/month for students and 18-27-year-olds (price list 1 March 2026). The currency conversion markup on card purchases is 2.25%. In the EPSI Rating 2026 banking study, Danske Bank received 69.4 points from personal customers.

Base price€7.80/ month

Free withdrawals4 / month

Currency conversion markup2.25%

EPSI69.4

Go to Danske Bank website

Danske Bank prices and terms

Price (Danske Bank)
Cheapest package	Danske Silver, benefit level 1
Monthly fee of the package	€7.80
Included in the package	Personal Danske account, Mastercard Debit card and online banking credentials
Total base price / month	€7.80

Card (Danske Bank)
Bank card	Mastercard Debit
Separate card fee	Included in the package
Card notes	Included in the Danske Silver package. Separately €3.30/month, €0.00 for under-18s.

Withdrawals (Danske Bank)
Free ATM withdrawals in Finland	4 / month
Withdrawal fee after the free ones	€0.90

Abroad (Danske Bank)
Currency conversion markup on card payments	2.25%
ATM withdrawal abroad	Euro withdrawals in the EU: same price as in Finland; withdrawals in other currencies €2.00 + 3.0%

Children and students (Danske Bank)
Child's account	Yes
Minimum age of the child's account	8 yrs
Monthly fee of the child's account	€0.00
Monthly fee for students	€0.00

Interest rates (Danske Bank)
Current account interest rate	0.25%
Savings account interest rate	0.50%

Opening an account (Danske Bank)
Type	Traditional bank
Home country	Denmark
Opening an account online with Finnish bank credentials	Yes
Opening an account without a Finnish personal identity code	not available

Deposit guarantee (Danske Bank)
Deposit guarantee	Danish deposit guarantee (Finansiel Stabilitet), €100,000 per depositor; for depositors of the Finnish branch, compensation is paid through the Financial Stability Authority

Customer satisfaction (Danske Bank)
EPSI customer satisfaction	69.4 (2026)
Data checked	15 October 2026

Danske Bank other packages
Package	Price / month	Includes	Additional information
Without a package	€8.80	Danske account €2.50/month, Mastercard Debit €3.30/month and online banking credentials €3.00/month	Total calculated from the service-specific prices in the price list (1 March 2026). The same price applies to the statutory basic banking services.
Danske Gold (agreed from 1 September 2019), benefit level 1	€8.80	Two Danske accounts, a savings account, Mastercard Debit card, online banking credentials and other services	€2.00/month for students and young people.

All packages

In October 2026 Danske Bank offers 9 packages on sale and 2 closed packages. The price is for an adult package with one card, taken from the bank's own price list. Compare the packages of all banks on the bank packages comparison page.

Danske Bank all packages, price, card, withdrawals, currency conversion markup and extras
Package	Age	€ / month	Card	Free withdrawals	Currency markup	Extras
Danske Silver, Danske Nuoriso (ages 18-27)young personprice depends on termsprice depends on terms: requires logging in to the Danske Etuohjelma benefit programme and Danske Nuoriso (youth) customer status	18-27 yrs	€0.00	Mastercard Debit	4 per month, then €0.90	2.25%	Savings account free of charge for under 18s and young people.
Price and terms For a Danske Nuoriso (youth) member (18-27 years): Silver €0.00/month, Gold €2.00/month and Platinum Plus €4.50/month. Requires logging in to the Danske Etuohjelma benefit programme. Price depends on terms requires logging in to the Danske Etuohjelma benefit programme and Danske Nuoriso (youth) customer status Includes Personal Danske account, Mastercard Debit card and online banking credentials Extras Savings account free of charge for under 18s and young people. Increased Mandatum Life insurance payout under Lainaturva (loan protection) (benefit programme brochure). Notes Four free ATM withdrawals in euros per month per account (Otto. and other ATMs in Finland and EU countries), then €0.90 per withdrawal. At a shop till 4 withdrawals/month free, then €0.40. Foreign currency withdrawals €2.00 + 3.0%.
Danske Silver, student (ages 18-32)studentprice depends on termsprice depends on terms: the student price applies to students (student status required)	18-32 yrs	€0.00	Mastercard Debit	4 per month, then €0.90	2.25%	For Akava student members, also a Mastercard Gold combined debit and credit card with no annual fee.
Price and terms For students (18-32 years): Silver €0.00/month, Gold €2.00/month and Platinum Plus €4.50/month (price list 1.3.2026). Price depends on terms the student price applies to students (student status required) Includes Personal Danske account, Mastercard Debit card and online banking credentials Extras For Akava student members, also a Mastercard Gold combined debit and credit card with no annual fee. Notes Four free ATM withdrawals in euros per month per account (Otto. and other ATMs in Finland and EU countries), then €0.90 per withdrawal. At a shop till 4 withdrawals/month free, then €0.40. Foreign currency withdrawals €2.00 + 3.0%.
Youth current account (ages 0-17)child	8-17 yrs	€0.00	Mastercard Debit	4 per month, then €0.90	2.25%	MunRahat service for ages 8-14 (two accounts, spending and saving).
Price and terms The youth current account is free for ages 0-17 and includes a Mastercard Debit card. The card is in principle available from age 8; for younger children, through customer service. Both guardians must be customers of Danske Bank. Includes Youth current account and Mastercard Debit card (for ages 8-14 also the MunRahat Mastercard Debit) Extras MunRahat service for ages 8-14 (two accounts, spending and saving). Savings account free of charge for under 18s. Notes Four free ATM withdrawals in euros per month per account (Otto. and other ATMs in Finland and EU countries), then €0.90 per withdrawal. At a shop till 4 withdrawals/month free, then €0.40. Foreign currency withdrawals €2.00 + 3.0%.
Etupaketti Duo (Duo benefit package)adultprice depends on terms	from 18 yrs	€6.00	Mastercard Gold Credit/Debit	4 per month, then €0.90	2.25%	Mastercard Gold travel insurance and purchase and cash withdrawal protection, discounts on currency exchange service fees and exchange rates (benefit programme brochure; the size of the discount is not stated).
Price and terms Platinum Plus everyday service package and Mastercard Gold credit card at a combined price of €6/month (partner customers -50%, i.e. €3/month). Available to customers whose banking scope is at least €50,000 (benefit tier 3 or 4) and who have regular income paid into a Danske Bank account. The card requires a credit decision. Includes Services of the Danske Platinum Plus package and a Mastercard Gold Credit/Debit card Extras Mastercard Gold travel insurance and purchase and cash withdrawal protection, discounts on currency exchange service fees and exchange rates (benefit programme brochure; the size of the discount is not stated). Notes Four free ATM withdrawals in euros per month per account (Otto. and other ATMs in Finland and EU countries), then €0.90 per withdrawal. At a shop till 4 withdrawals/month free, then €0.40. Foreign currency withdrawals €2.00 + 3.0%. According to the price list, the Gold and Platinum Plus packages include euro cash withdrawals with the Debit card at non-Otto. ATMs; no limit on the number is mentioned.
Danske Silveradultprice depends on terms	from 18 yrs	€7.80	Mastercard Debit	4 per month, then €0.90	2.25%	No extra benefits.
Price and terms Price at benefit tier 1. Tier 2: €5.80/month, tier 3: €2.80/month, tier 4: €2.50/month. €0.00/month for young people (18-27 years) and students (18-32 years). The benefit tier is determined by the scope of your banking (loans, savings, investments and insurance savings combined): tier 1 under €10,000, tier 2 €10,000-49,999.99, tier 3 €50,000-149,999.99, tier 4 at least €150,000. The packages require logging in to the Danske Etuohjelma benefit programme (price list 1.3.2026). Includes Personal Danske account, Mastercard Debit card and online banking credentials. Monthly statement free. Extras No extra benefits. Notes Four free ATM withdrawals in euros per month per account (Otto. and other ATMs in Finland and EU countries), then €0.90 per withdrawal. At a shop till 4 withdrawals/month free, then €0.40. Foreign currency withdrawals €2.00 + 3.0%.
Danske Gold (agreed from 1 September 2019)adultprice depends on terms	from 18 yrs	€8.80	Mastercard Debit	4 per month, then €0.90	2.25%	Savings account, free euro withdrawals with the Debit card at non-Otto.
Price and terms Price at benefit tier 1. Tier 2: €6.80/month, tier 3: €3.80/month, tier 4: €3.50/month. €2.00/month for students and young people. -25% for a member of an Akava member union (mortgage customer). The benefit tier is determined by the scope of your banking (loans, savings, investments and insurance savings combined): tier 1 under €10,000, tier 2 €10,000-49,999.99, tier 3 €50,000-149,999.99, tier 4 at least €150,000. The packages require logging in to the Danske Etuohjelma benefit programme (price list 1.3.2026). Includes Two personal Danske accounts and one savings account, Mastercard Debit card, online banking credentials, travel currency ordering and text message services Extras Savings account, free euro withdrawals with the Debit card at non-Otto. ATMs, free text message services. Notes Four free ATM withdrawals in euros per month per account (Otto. and other ATMs in Finland and EU countries), then €0.90 per withdrawal. At a shop till 4 withdrawals/month free, then €0.40. Foreign currency withdrawals €2.00 + 3.0%. According to the price list, the Gold and Platinum Plus packages include euro cash withdrawals with the Debit card at non-Otto. ATMs; no limit on the number is mentioned.
Without a package / basic banking servicesadult	from 18 yrs	€8.80	Mastercard Debit	4 per month, then €0.90	2.25%	No extra benefits.
Price and terms The total is calculated from the price list's (1.3.2026) per-service prices: Danske account €2.50/month, Mastercard Debit €3.30/month, online banking credentials €3.00/month. The same price applies to statutory basic banking services. Includes Danske account, Mastercard Debit card and online banking credentials Extras No extra benefits. Notes Four free ATM withdrawals in euros per month per account (Otto. and other ATMs in Finland and EU countries), then €0.90 per withdrawal. At a shop till 4 withdrawals/month free, then €0.40. Foreign currency withdrawals €2.00 + 3.0%.
Danske Platinum Plus (agreed from 1 September 2019)adultprice depends on terms	from 18 yrs	€9.80	Mastercard Debit	4 per month, then €0.90	2.25%	Unlimited number of accounts, real-time stock prices and financial news, free euro withdrawals with the Debit card at non-Otto.
Price and terms Price at benefit tier 1. Tier 2: €7.80/month, tier 3: €4.80/month, tier 4: €4.50/month. €4.50/month for students and young people. €0/month for a Danske Premium customer. -50% for a member of an Akava member union (mortgage customer). The benefit tier is determined by the scope of your banking (loans, savings, investments and insurance savings combined): tier 1 under €10,000, tier 2 €10,000-49,999.99, tier 3 €50,000-149,999.99, tier 4 at least €150,000. The packages require logging in to the Danske Etuohjelma benefit programme (price list 1.3.2026). Includes Personal Danske and savings accounts without a limit on number, Mastercard Debit card, online banking credentials, Danske Reaaliaikapalvelu (real-time service), paper statement for an online banking customer, travel currency ordering and text message services Extras Unlimited number of accounts, real-time stock prices and financial news, free euro withdrawals with the Debit card at non-Otto. ATMs. Notes Four free ATM withdrawals in euros per month per account (Otto. and other ATMs in Finland and EU countries), then €0.90 per withdrawal. At a shop till 4 withdrawals/month free, then €0.40. Foreign currency withdrawals €2.00 + 3.0%. According to the price list, the Gold and Platinum Plus packages include euro cash withdrawals with the Debit card at non-Otto. ATMs; no limit on the number is mentioned.
Danske Premiumpremiumprice depends on terms	from 18 yrs	€12.50	Mastercard Platinum Credit/Debit	4 per month, then €0.90	2.25%	Priority Pass: 6 free airport lounge visits per year, payment-method benefit of 0.5% on credit card purchases (exchangeable for Finnair Plus Silver status or Avios), travel insurance and purchase and cash withdrawal protection, Kaupankäynti Online (online trading) and equity savings account at €0/month.
Price and terms €12.50/month. Intended for when your own or your household's account and investment assets exceed €100,000 or the combined value of loans and investments exceeds €400,000. Spouse and adult children €6.25/month; for Fennia customers and for members of Akava member unions, Suomen Osakesäästäjät and Suomen Vuokranantajat €6.25/month. The Platinum Plus package requires joining the Danske Etuohjelma benefit programme. Includes Platinum Plus everyday service package €0/month and a Mastercard Platinum credit card with no monthly or annual fee, a named wealth specialist and a Panorama Plus wealth plan Extras Priority Pass: 6 free airport lounge visits per year, payment-method benefit of 0.5% on credit card purchases (exchangeable for Finnair Plus Silver status or Avios), travel insurance and purchase and cash withdrawal protection, Kaupankäynti Online (online trading) and equity savings account at €0/month. Notes Four free ATM withdrawals in euros per month per account (Otto. and other ATMs in Finland and EU countries), then €0.90 per withdrawal. At a shop till 4 withdrawals/month free, then €0.40. Foreign currency withdrawals €2.00 + 3.0%. According to the price list, the Gold and Platinum Plus packages include euro cash withdrawals with the Debit card at non-Otto. ATMs; no limit on the number is mentioned.
Danske Gold (agreed before 1 September 2019)adultprice depends on termsno longer offered	from 18 yrs	€8.20	Mastercard Gold Credit/Debit	4 per month, then €0.90	2.25%	Travel insurance with the Gold card.
Price and terms Price at benefit tier 1. Tier 2: €7.20/month, tier 3: €4.80/month, tier 4: €4.50/month. Students and young people €2.80/month. Includes Two personal Danske accounts and one savings account, Mastercard Gold Credit/Debit card with travel insurance, Mastercard Debit card, online banking credentials Extras Travel insurance with the Gold card. Notes Applies only to packages agreed before 1.9.2019, not sold to new customers.
Danske Platinum Plus (agreed before 1 September 2019)premiumprice depends on termsno longer offered	from 18 yrs	€19.00	Mastercard Platinum Credit/Debit	4 per month, then €0.90	2.25%	Payment-method benefit and travel insurance with the Platinum card.
Price and terms Price at benefit tier 1. Tier 2: €13.00/month, tier 3: €10.00/month, tier 4: €9.00/month. Students and young people €9.00/month. Includes Two personal Danske accounts and savings accounts, Mastercard Platinum Credit/Debit card with a payment-method benefit and travel insurance, Mastercard Debit card, online banking credentials, Danske Reaaliaikapalvelu (real-time service), paper statement Extras Payment-method benefit and travel insurance with the Platinum card. Notes Applies only to packages agreed before 1.9.2019, not sold to new customers.

Premium accounts and cards: Danske Bank Mastercard Gold Credit/Debit, Danske Bank Mastercard Platinum Credit/Debit. See also premium accounts and cards compared.

Usage limits

Card limits (Danske Bank)
Purchase limit, default	€30,000 / day
Purchase limit, maximum	€30,000 / day
Withdrawal limit, default	€3,500 / day
Withdrawal limit, maximum	€3,500 / day
Withdrawal limit, monthly	€3,500 / month
Contactless payment limit	€50 / payment

Account and transfers (Danske Bank)
Account daily limit, default	€5,000 / day
Account daily limit, maximum	€140,000 / day

Changing the limits: The cash withdrawal limit can be lowered in the mobile bank: Cards > select the card > Card settings > Usage limits. The purchase limit is lowered through customer service. Country restriction and internet use are in the Cards section of the mobile bank. Changes are free of charge.

Only the values published by the bank are listed. Checked 16 October 2026. Read about bank card limits: withdrawal limit, contactless limit, instant payment limit and blocking a card.

Reviews: ratings of Danske Bank

Public ratings from three sources, retrieved 16 October 2026. The figures are third-party ratings that Pankkitutka has neither checked nor edited. Review texts are not quoted. Read more: bank ratings and reviews compared.

Danske Bank public ratings
Source	Rating	Count	Link
EPSI Rating Finland	69.4 (2026)	survey, no individual ratings	More information
Trustpilot	1.4 / 5	41 reviews	danskebank.fi on Trustpilot
App Store: Mobiilipankki FI - Danske Bank	4.1 / 5	3,305 ratings	App in the App Store
Google Play: Mobiilipankki FI - Danske Bank	3.2 / 5	6,795 ratings, all countries	App on Google Play

The Trustpilot profile is unclaimed: the company has not taken control of it.
The Google Play figures cover all countries, not only Finland. The App Store figures are from the Finnish store.

Based on the data

The pros and cons below are based on Pankkitutka's price data, not on the ratings.

Pros

Pro: Silver package free for students up to the age of 32
Pro: The 2.25% currency conversion markup is lower than at most domestic banks
Pro: Online customer onboarding with Finnish online banking credentials

Cons

Con: The Silver package costs €7.80/month at benefit level 1
Con: Weakest personal-customer satisfaction among the large banks in the EPSI 2026 study (69.4)
Con: A monthly fee of €1.50/month on the ordinary savings account

How do you open an account at Danske Bank?

You become a customer online with Finnish online banking credentials and a Finnish mobile phone number. If you do not have online banking credentials, are not an adult or do not live in Finland, the instruction is to contact customer service. Opening an account without a Finnish personal identity code was not verified.

Thinking about switching banks? Read the guide to switching banks.

Deposit guarantee

Danish deposit guarantee (Finansiel Stabilitet), €100,000 per depositor; for depositors of the Finnish branch, compensation is paid through the Financial Stability Authority. More information in the guide on the deposit guarantee.

Children and students

Child's account: A bank card can in principle be obtained from the age of 8 with a guardian's consent; for a younger child through customer service. The youth current account (0-17 years) is free and includes a Mastercard Debit card. For 8-14-year-olds there is the MunRahat service. Opening a card requires a visit to a branch with the child.

Student: Danske Silver is €0.00/month for students (18-32 years) and young people (18-27 years).

Interest rates

Danske account interest rate 0.25% for deposits under €10,000, 0% for the amount above that. Danske Kasvutili: a fixed 0.5% for deposits under €10,000, 3-month Euribor -0.5-0.9% for deposits over €10,000. The monthly fee of the ordinary Säästötili savings account is €1.50 (free for under-18s and young people).

Compare interest rates between banks: current and savings account interest rates. See the savings accounts and fixed-term deposits of Danske Bank: Savings rates.

Premium and private banking services

The premium and private banking tiers, published asset thresholds and services of Danske Bank: Danske Bank private banking. Compare all providers on the private banking comparison page.

Investment services and equity savings account

Share trading prices, equity savings account and funds at Danske Bank: Danske Bank fees and price list. Compare all providers on the comparison of investment services page. No investment advice; investing involves risk.

Customer satisfaction (EPSI)

Result of the EPSI Rating Finland survey: 69.4 (2026).

Sources

Danske Bank: Päivittäispalveluhinnasto, voimassa 1.3.2026 (PDF)retrieved 15 October 2026
Danske Bank: Pankkikortti lapselleretrieved 15 October 2026
Danske Bank: Danske-tili (korko)retrieved 15 October 2026
Danske Bank: Säästötilitretrieved 15 October 2026
Danske Bank: Tule asiakkaaksiretrieved 15 October 2026
Danske Bank: Become a customerretrieved 15 October 2026
Danske Bank: Perustietoa talletussuojasta (PDF)retrieved 15 October 2026
FINE / Finanssivalvonta: Maksutilivertailuretrieved 15 October 2026
EPSI Rating Finland: EPSI Pankki ja rahoitus 2026 (tiivistelmä)retrieved 15 October 2026

Data checked 15 October 2026.

Frequently asked questions

How much does Danske Bank cost per month?

The cheapest adult package at Danske Bank (Danske Silver, benefit level 1), including the card, costs €7.80 per month. Price list 1 March 2026. The benefit level depends on the extent of your banking (loans, savings and investments): benefit level 2 (€10,000-49,999.99) costs €5.80/month, benefit level 3 costs €2.80/month and benefit level 4 costs €2.50/month. €0.00/month for students (18-32 years) and young people (18-27 years). The packages require enrolling in the Danske Etuohjelma benefit programme.

Can you open an account at Danske Bank without a Finnish personal identity code?

This information is not yet available.

How much does Danske Bank charge for card payments abroad?

The currency conversion markup on card payments in currencies other than euros is 2.25%. ATM withdrawal abroad: Euro withdrawals in the EU: same price as in Finland; withdrawals in other currencies €2.00 + 3.0%.

What are the public ratings that Danske Bank has received?

Public ratings 16 October 2026: Trustpilot 1.4 / 5 (41 reviews); App Store 4.1 / 5 (3,305 ratings); Google Play 3.2 / 5 (6,795 ratings, all countries); EPSI 69.4 (2026). These figures are public ratings, not an assessment by Pankkitutka, and this answer does not summarise the opinions of individual users.

Go to Danske Bank website

Price€7.80 / monthGo to Danske Bank website