Updated October 13, 2026 · DebitCue Editorial Team
Danske Bank Mastercard Guld vs N26 Go
N26 Go
Higher score in this comparison
Danske Bank Mastercard Guld
Where Danske Bank Mastercard Guld and N26 Go differ
| Compare | Danske Bank Mastercard GuldReviewSee alternativesSee alternatives | N26 GoReviewVisitVisit |
|---|---|---|
| Rewards rate | Cashback at 2,000+ shops, merchant-set rates | 1% while traveling outside EEA, Switzerland, UK for up to 12 months |
| 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 | Travel insurance, Airport lounge access, Dedicated phone support, Free ATM withdrawals worldwide |
| Annual fee | Not confirmed | €118.80 |
| Currency conversion fee | Not confirmed | 0% |
| Cashback rate | Not confirmed | 1% |
| Card kind | Credit | Not confirmed |
Same on both: Rewards type (Cashback).
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Key differences
- Perks: only Danske Bank Mastercard Guld offers 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.
- Perks: only N26 Go offers Travel insurance, Airport lounge access, Dedicated phone support.
- Features: only Danske Bank Mastercard Guld offers Rewards.
- Features: only N26 Go offers Travel, Virtual card.
- Audience: only Danske Bank Mastercard Guld offers Student.
- Audience: only N26 Go offers Business.
Our verdict on each
Danske Bank Mastercard Guld
Danske Bank Mastercard Guld is a credit card that pairs credit functions with debit functions for everyday use. It suits people who want flexible borrowing alongside straightforward spending with optional travel cover and network linked extras attached to the card.
N26 Go
N26 Go suits people who spend most of each year abroad and want travel extras without a foreign conversion charge. The membership costs €118.80 a year, and the currency conversion fee is 0%, so card spending abroad keeps its full value.
Score breakdown
| Area | Danske Bank Mastercard Guld | N26 Go |
|---|---|---|
| Cost | Not confirmed | 9.4The currency conversion fee is 0% and the membership runs at €118.80 a year, a fair price for the travel cover and lounge access. |
| Offer | Not confirmed | 8.9 |
| Trust | Not confirmed | 8.8 |
How they place
| Ranking | Danske Bank Mastercard Guld | N26 Go |
|---|---|---|
| Debit cards | 634 of 1336 | 31 of 1336 |
| Travel cards | 314 of 443 | 20 of 443 |
| Cashback cards | 153 of 203 | 9 of 203 |
Every fact side by side
| Fact | Danske Bank Mastercard Guld | N26 Go |
|---|---|---|
| Features | Rewards | Travel, Virtual card |
| Audience | Student, Kids | Kids, Business |
| Legal entity | Danske Bank A/S | N26 SE |
| Headquarters | Denmark | Germany |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Help centre | Phone, Help centre |
Debit cards
| Fact | Danske Bank Mastercard Guld | N26 Go |
|---|---|---|
| Monthly fee | DKK 0 | €0 |
| Free ATM withdrawals | DKK 0 | Not confirmed |
| Card type | Debit | Debit |
| Card network | Mastercard | Mastercard |
Where each stands against the rest
| Fact | Danske Bank Mastercard Guld | N26 Go | Median |
|---|---|---|---|
| Annual fee | Not confirmed | €118.80highest quarter | €0 |
| Currency conversion fee | Not confirmed | 0%below the median | 1% |
| Cashback rate | Not confirmed | 1%below the median | 1.5% |
Median across 312 listed cards.
Pros and cons
Danske Bank Mastercard Guld
Pros
- Combines credit functions with debit functions in a single everyday card
- Offers optional trip cover that can sit beside card use
- Includes network extras alongside standard credit use
N26 Go
Pros
- No foreign conversion cost on the currency conversion fee of 0%, against a site median of 1%
- Cashback of 1% on spending outside the EEA, Switzerland and the UK, paid as cashback
- Free ATM withdrawals worldwide, a clear step up from a site median free withdrawal allowance of €0
Cons
- The annual fee of €118.80 is a real cost, and the site annual fee median is €0
- Cashback is limited to spending outside the EEA, Switzerland and the UK, and it stops after a set period
- Support runs through phone and help centre, so the dedicated phone line is reserved for members paying the annual fee
Who each suits
Danske Bank Mastercard Guld
Who it suits
- Travellers wanting added cover with everyday use
N26 Go
Who it suits
- People who travel regularly and pay in several currencies each year
- Travellers who still take cash out at the machine and want free ATM withdrawals worldwide
- Members who will use travel insurance and airport lounge access more than once a year
Who should look elsewhere
- Anyone spending only inside the EEA, Switzerland and the UK, where the cashback does not apply
- People who want a cheap everyday debit card, since Varo Believe Secured Credit Card charges a monthly fee of $0
- Bank customers who will not use travel insurance, lounge access or dedicated phone support, all of which come with the membership
Current offers
Danske Bank Mastercard Guld
Current offer
First period offer
0 kr. i kurtage (no trading fee) on Aktiesparekonto: 0 DKK trading fee until 1 March 2027
Applies to opening an Aktiesparekonto, not to Mastercard card products
Source, checked September 26, 2026
Country by country
| Country | Danske Bank Mastercard Guld | N26 Go |
|---|---|---|
| Denmark | Yes | No |
Questions about each
Danske Bank Mastercard Guld
What type of card is Danske Bank Mastercard Guld?+
It is a credit card that also carries debit functions for everyday spending. That pairing lets borrowing and direct account use sit together. People weighing card types often start from that combined structure.
Who might consider this card?+
It may appeal to people who want flexible borrowing with familiar debit handling in one place. Think about how you spend each month, manage borrowing and use extras. That view helps decide if the combined approach fits your habits.
N26 Go
What does the N26 Go membership cost?+
The membership runs at €118.80 a year on top of a monthly fee of €0. In return the account adds travel insurance, airport lounge access, dedicated phone support and free ATM withdrawals worldwide. The perks list is the reason to look past the annual fee.
Is there a foreign transaction or currency conversion fee?+
The currency conversion fee is 0%, so spending abroad keeps the full value of the transaction. That sits below the site median of 1%, which is why the card appeals to frequent travellers.
Other options to compare
N26 Go
Danske Bank Mastercard Guld