Danske Bank DK review

The Mastercard Direct debit card has a monthly fee of DKK 0, and Danske Bank places 1 of 422 brands on that measure. It is a debit card on the mastercard network, so spending draws straight from the current account.

Balances are covered by EU DGS up to EUR 100,000, the EU deposit guarantee scheme, and the account is held by Danske Bank A/S, supervised in Denmark by Finanstilsynet. The scheme covers money left on deposit rather than balances spent on the card.

Early withdrawal costs a penalty, because the account is fixed with terms of 3 to 12 months from a DKK 10,000 minimum deposit. When the term finishes, the account automatically changes to a Danske Indslaan-type account, so access comes with a rule attached.

Applicants need a minimum age and sound finances, as stated for the Kassekredit credit line. Danske Bank lends directly as a direct lender, with personal, credit line and car loans available from from DKK 10,000. The credit check on the consumer loan is hard, so the file search is thorough.

Help runs on phone, chat and help centre, so a phone call, a chat message or the help centre cover the main routes. The card range also lists a travel insurance option and instalment payments on larger purchases among the Up to 45 days interest free credit on min. 15,000 DKK (40 days from 20 Nov 2026), Two cards in one: credit and debit and Up to 6,000 DKK cash withdrawal per day abroad.

Danske Bank names student and kids as its stated audience, so the card and account range is aimed at students and younger customers. The wider offer also covers mortgages for purchase, remortgage and home equity and loans across personal, credit line and car borrowing.

Rewards are cashback based, with Cashback at 2,000+ shops, merchant-set rates. The rate is set by each merchant rather than by the bank, so returns depend on where the card is used. A credit card in the range also offers interest-free credit on larger purchases, listed among the Up to 45 days interest free credit on min. 15,000 DKK (40 days from 20 Nov 2026), Two cards in one: credit and debit and Up to 6,000 DKK cash withdrawal per day abroad.

The card caps cash withdrawals abroad each day, with the figure given among the Up to 45 days interest free credit on min. 15,000 DKK (40 days from 20 Nov 2026), Two cards in one: credit and debit and Up to 6,000 DKK cash withdrawal per day abroad, and the free ATM allowance at home is DKK 0. Retail loss percentages on card cash sit at 70.15% across the market, so taking out smaller amounts protects the balance.