Updated September 28, 2026 · SumCue Editorial Team
Danske Bank DK vs Finom
Finom
Danske Bank DK
Higher score in this comparison
What sets them apart
| Compare | Danske Bank DKReviewSee alternativesSee alternatives | FinomReviewVisitVisit |
|---|---|---|
| Minimum deposit | DKK 10,000 | €0 |
| Access terms | Danske Toprente: money is tied for 3, 6 or 12 months; early withdrawal costs a penalty of at least DKK 250; when the period ends the account is automatically changed to a Danske Indslaan-type account; minimum age 18 | Instant access, withdraw at any time with no withdrawal penalties |
| Monthly fee | DKK 0 | €0 |
| Account kind | Fixed | Cash management |
| Headline rate | Not confirmed | 5% |
| Term | 3 to 12 months | Not confirmed |
Same on both: Rate type (Fixed), Deposit protection (EU DGS up to EUR 100,000).
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Key differences
- Danske Bank DK scores higher overall: 9.5 vs 8.9.
- Founded is lower at Danske Bank DK: 1871 vs 2019.
- Finom is licensed in 1 more country.
- Finom is available in 10 more countries.
- Support channels: only Danske Bank DK offers Phone.
- Support channels: only Finom offers Email, Community.
- Pricing model: only Finom offers No monthly fee.
Our verdict on each
Danske Bank DK
Danske Bank suits Danish households and students who want everyday banking, a card and a fixed-rate savings account at the same provider. The Mastercard Direct debit card carries a monthly fee of DKK 0, and savings terms run 3 to 12 months at a fixed rate.
Finom
Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.
Score breakdown
| Area | Danske Bank DK | Finom |
|---|---|---|
| Cost | 9.2Middling on cost: the free ATM allowance is DKK 0 and the fixed-rate savings route asks for a DKK 10,000 minimum deposit. | 9.3HigherRunning costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. |
| Offer | 9.0 | 9.7HigherThe fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. |
| Trust | 10.0Higher | 8.2 |
How they place
| Ranking | Danske Bank DK | Finom |
|---|---|---|
| Savings | 90 of 1492 | 3 of 1492 |
| Fixed-rate bonds and term deposits | 11 of 199 | 1 of 199 |
| Credit and debit cards | 112 of 1594 | 2 of 1594 |
Licences and countries
| Country | Danske Bank DK | Finom |
|---|---|---|
| Cyprus | Not confirmed | |
| Denmark | Not confirmed | |
| Netherlands | Not confirmed | De Nederlandsche Bank (DNB) R180074 |
Additional countries for Danske Bank DK: 1. Additional countries for Finom: 11.
What we checked
Danske Bank DK
- danskebank.dk: 11 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Finom
- finom.co: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Danske Bank DK | Finom |
|---|---|---|
| Pricing model | Fixed rate | No monthly fee, Fixed rateCovers more |
| Legal entity | Danske Bank A/S | PNL Fintech B.V. |
| Headquarters | Denmark | Netherlands |
| Founded | 1871Lower | 2019 |
| Support channels | Phone, Chat, Help centre | Email, Chat, Help centre, Community |
Loans
| Fact | Danske Bank DK | Finom |
|---|---|---|
| Loan amount | from DKK 10,000 | Not confirmed |
| Credit check | Hard | Not confirmed |
| Features | Travel | Rewards |
| Lender type | Direct lender | Not confirmed |
| Eligibility | Must be 18 or older and have sound finances (stated for Kassekredit credit line) | Not confirmed |
| Loan types | Personal, Credit line, Car, Secured | Not confirmed |
Credit cards
| Fact | Danske Bank DK | Finom |
|---|---|---|
| Rewards type | Cashback | Cashback |
| Rewards rate | Cashback at 2,000+ shops, merchant-set rates | up to 3% |
| Perks | 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, Up to 6,000 DKK cash withdrawal per day abroad, 25% discount at Danske Bank Aviator Business Lounge, Option to buy travel insurance, Instalment payments over 2 12 instalments on purchases over 500 DKK, Mastercard Priceless benefits | Not confirmed |
| Card kind | Credit | Not confirmed |
| Audience | Student, Kids | Business |
Mortgages
| Fact | Danske Bank DK | Finom |
|---|---|---|
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 95% | Not confirmed |
| Purpose | Purchase, Remortgage, Home equity | Not confirmed |
Where each stands against the rest
| Fact | Danske Bank DK | Finom | Median |
|---|---|---|---|
| Headline rate | Not confirmed | 5%above the median | 3.3% |
| Term | 3 to 12 monthslowest quarter | Not confirmed | 60 |
Median across 710 listed providers.
Pros and cons
Danske Bank DK
Pros
- The Mastercard Direct debit card charges a monthly fee of DKK 0 and ranks 1 of 422 brands on that measure.
- Balances carry EU DGS up to EUR 100,000 protection, and the legal entity Danske Bank A/S is supervised in Denmark by Finanstilsynet.
- The card range covers a debit card and a credit card, with cashback rewards at Cashback at 2,000+ shops, merchant-set rates.
Cons
- Free ATM withdrawals are DKK 0, and the brand sits at 44 of 124 brands on that measure.
- Savings are tied: terms run 3 to 12 months on a fixed rate basis, and early withdrawal costs a penalty.
- Consumer borrowing runs a hard credit check and starts at from DKK 10,000.
Finom
Pros
- A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
- The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
- Instant access with no withdrawal penalties, so cash can move the same day it lands.
Cons
- Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
- The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
- Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.
Who each suits
Danske Bank DK
Who it suits
- Danish households keeping everyday money, a card and a savings term at the same bank.
- Students and younger customers, the stated audience of student and kids.
- Homebuyers, with mortgages at a 95% maximum loan to value fixed for 10 years at a time.
Who should look elsewhere
- Wise, for readers whose money sits in more than a single market and want a single account instead.
- bunq, for a euro account priced at a monthly fee of €0.
Finom
Who it suits
- Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
- Business owners who care more about fees than flexibility, since the monthly charge is €0.
- Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.
Who should look elsewhere
- Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
- Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
- Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.
Current offers
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | Danske Bank DK | Finom |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Cyprus | No | Yes |
| Denmark | Yes | No |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | No | Yes |
8 of 12 countries where either is available.
Questions about each
Danske Bank DK
What does the card cost to run?+
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.
How is the money in the account protected?+
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.
Finom
What interest rate does Finom pay?+
Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.
Is there a monthly or annual fee?+
Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.
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Finom
Danske Bank DK