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Danske Bank FI review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Danske Bank FI is a practical everyday bank for people in Finland who want a simple debit account with a monthly fee of €0 and a variable rate paid on the daily balance. The same branch lends for home improvement and mortgages, so the account and the borrowing can sit together.

Key facts

Best for
Free everyday banking with a debit card, plus home improvement loans and mortgages from one branch.
Monthly fee
€0↗
Currency conversion fee
1.95%↗
Card type
Debit↗
Legal entity
Danske Bank A/S, Finland Branch↗
Headquarters
Finland↗
Founded
1871↗
Support channels
Help-centre, Phone↗
Official website
danskebank.fi

Loans

APR
14%↗
Loan amount
up to €15,000↗
Term
up to 60 months↗
Arrangement fee
90 EUR delivery fee (toimitusmaksu) per loan↗
Credit check
Hard↗
Representative example
Haavelaina example: EUR 5 000 loan, 5-year term, nominal interest 10,761 %, effective annual rate 14,375 %, total credit cost EUR 6 902,19 including 90 EUR delivery fee, 60 instalments (information as of 01.06.2026)↗
Rate type
Variable↗
Lender type
Direct lender↗
Eligibility
Loan application requires Finnish online bank credentials; both Danske Bank customers and customers of other banks may apply; the unsecured Haavelaina requires regular salary paid into a Danske Bank account↗
Loan types
Personal↗
Use cases
Home-improvement↗
Pricing model
No monthly fee

Savings

Headline rate
0.5%↗
Access terms
No fixed term, close the account at any time; 5 free withdrawals per year then EUR 6 per extra withdrawal; interest calculated on the daily balance; maximum deposit EUR 500,000↗
Account kind
Easy access↗

Mortgages

Initial rate
3.361%↗
APRC
3.5%↗
Fixed period
1 year↗
Maximum loan to value
70%↗
Product fee
€1,020↗
Purpose
Purchase, First-time-buyer, Remortgage, Buy-to-let↗

Credit cards

Annual fee
€38↗
Card kind
Credit↗

Facts checked September 26, 2026, 11 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipedia

Pros and cons

Pros

  • A monthly fee of €0 on the everyday account, with interest calculated on the daily balance.
  • Unsecured personal loans for home improvement, sized at up to €15,000 with terms running to up to 60.
  • Mortgages at an initial rate of 3.361% and an APRC of 3.5%, with borrowing up to 70% loan to value.
  • Support on help centre and phone for anyone who needs help with the account, the card or a payment.

Cons

  • Currency conversion costs 1.95% on the card, where the cheapest listings here sit at 0%.
  • Every loan application adds 90 EUR delivery fee (toimitusmaksu) per loan, on top of an APR of 14%.
  • Mortgage borrowing caps at 70%, under the 90% median for mortgages here.
Danske Bank FI

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Scored 9.3 / 10 by SumCue.

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Who it suits

  • People in Finland who want an everyday account with nothing to pay each month.
  • Homeowners funding a renovation who need a personal loan capped at up to €15,000.
  • Borrowers happy to keep the account, the card and the mortgage with the same provider.

Who should look elsewhere

  • Anyone chasing a high fixed savings rate, since the account pays a variable 0.5%.
  • People wanting small, short loans, as up to €15,000 is the ceiling and terms stretch to up to 60.
  • Frequent travellers who pay abroad, given the 1.95% currency conversion fee on the card.

Fees and currency costs

The everyday account runs with a monthly fee of €0, so day to day banking costs nothing to hold. Card spending abroad is the one charge to watch: currency conversion costs 1.95%, where the median listing on the site sits at 1%. Staying in euros, or keeping foreign card use rare, is how to keep that cost small.

How Danske Bank FI compares

Where Danske Bank FI is available

Available
Finland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does the everyday account cost to hold?+

The account is listed with a monthly fee of €0 and a no monthly fee structure, so there is no standing charge for keeping it open. It is an easy access account, which suits people who want to move money in and out without giving notice.

What interest does my balance earn?+

Interest is paid at a variable rate of 0.5%, calculated on the daily balance. Because the rate is variable it can move, so the return is not locked in. The median listing on the site shows 3%, so this pays well below the middle.

Can I close the account or take money out whenever I want?+

It is an easy access account: there is no fixed term, and it can be closed at any time, so switching provider does not mean waiting. Withdrawals include a free allowance each year, then a fee for each extra one, so plan your cash needs. Support runs on help centre and phone.

Who provides the account, and how much can I keep in it?+

The account is run by Danske Bank A/S, Finland Branch, a bank founded in 1871 and headquartered in Finland. The account also sets a ceiling on how much it will hold, so it is aimed at everyday balances rather than very large sums. Interest still accrues daily on whatever you keep.

What kind of card comes with the account?+

The card attached to the account is a debit card, so spending comes straight out of the balance you hold and there is no borrowing to repay. Currency conversion on that card costs 1.95%, which is the main cost for anyone paying abroad.

How do I get help if a card or payment issue goes wrong?+

Support runs on help centre and phone: a help centre and phone. Both sit among the most common channels on the site, at 79.6% and 74.4% of listings, so neither route is unusual. The help centre suits reading up on a question yourself, while phone suits anything urgent or blocked.

What does a home improvement loan cost?+

The unsecured Haavelaina is sized at up to €15,000 with an APR of 14%, and terms run to up to 60. Each application adds 90 EUR delivery fee (toimitusmaksu) per loan, and the credit check is hard. The sample repayment example includes that fee in the total cost of credit. Regular salary must be paid into a Danske Bank account, and applying requires Finnish online bank credentials.

What about mortgages through the same branch?+

Mortgages start at an initial rate of 3.361% with an APRC of 3.5%, fixed for 1. Borrowing caps at 70%, and the product fee is €1,020. The stated purposes cover purchase, first time buying, remortgaging and buy to let, so most routes to a home are included.

Sources

Compiled from 11 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

Danske Bank FI

Danske Bank FI

Free everyday banking with a debit card, plus home improvement loans and mortgages from one branch.

9.3/10See alternatives