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Danske Bank DK review

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

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Our verdict

Danske Bank DK suits Danish residents who want a no monthly fee Mastercard debit with credit card features on the same account. Support runs on phone, chat and help centre, and the card sits on Mastercard as mastercard. Free ATM withdrawals are DKK 0, so the saving is on account fees rather than cash withdrawals.

Key facts

Best for
Danish residents wanting one account for debit spending and short interest-free credit.
Monthly fee
DKK 0 (Source, checked September 26, 2026)
Free ATM withdrawals
DKK 0 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Mastercard (Source, checked September 26, 2026)
Legal entity
Danske Bank A/S (Source, checked September 26, 2026)
Headquarters
Denmark (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Travel
Audience
Students, Kids
Official website
danskebank.dk

Credit cards

Rewards type
Cashback (Source, checked September 26, 2026)
Rewards rate
Cashback at 2,000+ shops, merchant-set rates (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Danske Bank A/S (Source, checked September 26, 2026)
Headquarters
Denmark (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Features
Travel
Audience
Students, Kids

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • The account pairs a credit card and a debit card under the same Danske Bank A/S banking relationship.
  • Monthly fee is DKK 0, which puts the brand at 1 of 419 on that measure.
  • The card runs on mastercard, the network used by 38.5% of the brands on site.
  • Cashback is available on Cashback at 2,000+ shops, merchant-set rates, with cashback as the rewards type rather than points or miles.
  • Help is available by phone, chat and help centre, covering phone, chat and a help centre.

Cons

  • Free ATM withdrawals are DKK 0, and the brand ranks 41 of 115 on that measure.
  • Cashback works through Cashback at 2,000+ shops, merchant-set rates, so the return depends on which shops take part.
  • Support runs on phone, chat and help centre only, with no branch or in person channel listed.
  • The card is a debit card, so spending beyond the balance needs a separate borrowing arrangement.
Danske Bank DK

Ready to try Danske Bank DK?

Scored 9.2 / 10 by DebitCue.

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Who it suits

  • Danish residents who want a Mastercard debit for everyday spending with no monthly fee
  • Card holders who want credit and debit features on a single account
  • Students and parents looking for a card aimed at student and kids

Who should look elsewhere

  • Travellers who need a large free ATM withdrawal allowance, where Wise or the Varo Believe Secured Credit Card suit better
  • Shoppers who want a set cashback rate rather than one that depends on participating merchants
  • Anyone who prefers in person branch support to phone, chat and a help centre

Using it day to day

The card is a debit card on the mastercard network, so it is accepted wherever Mastercard is accepted. Free ATM withdrawals are DKK 0 through the Danske Account, which means cash withdrawals carry whatever the ATM operator charges. Everyday banking runs on the Danske Account itself, and the account is aimed at the student and kids market. Support is available by phone, chat and help centre, which covers phone, chat and a help centre, so help is reachable outside banking hours as well as during them. The Mastercard Priceless benefits sit on the account alongside the card.

Where it sits among rivals

On monthly fee the brand ranks 1 of 419 brands, and the fee itself is DKK 0. On free ATM withdrawals the picture is weaker: the brand ranks 41 of 115 on that measure. Across the brands on site the typical monthly fee is €0, with the upper quartile at €0 and the highest figure at €99. For free ATM withdrawals the site median is €0 and the upper quartile is €118.23, which is why the ranking here sits lower. The strength is the monthly fee, not the cash machine.

Using it abroad

The card runs on mastercard, so it works abroad at any Mastercard acceptance point. Free ATM withdrawals are DKK 0, so holiday cash is not covered by an allowance and the ATM operator sets the charge. The Mastercard Priceless benefits apply abroad as well, and travel insurance is an option on the account rather than part of the standard card. Interest free credit runs on the account alongside the debit card, which can cover spending on a trip if the balance is paid within the interest free period.

Who runs it

The account is run by Danske Bank A/S, which is headquartered in Denmark. Danske Bank DK is supervised in DK by Finanstilsynet, the regulator named for this market. Support is handled through phone, chat and help centre, so questions on the card or the account reach the bank by phone, chat or the help centre. Because the issuer sits in Denmark, the account and its terms are aimed at customers in that market.

How Danske Bank DK compares

Where Danske Bank DK is available

Available
Denmark
Licence in Denmark
Finanstilsynet, checked September 26, 2026

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

Frequently asked questions

What does the account cost each month?+

The monthly fee is DKK 0, with the Danske Account carrying no separate monthly charge. That puts Danske Bank DK at 1 of 419 brands on monthly fee, and the site median is €0. Interest free credit on the account carries its own terms, so borrowing outside the interest free period is the cost to watch.

Are there free ATM withdrawals?+

Free ATM withdrawals are DKK 0, so there is no included allowance for cash. On that measure the brand ranks 41 of 115 brands, while the site median for free ATM withdrawals is €0. Cash taken out abroad also depends on the daily cash limit set on the card.

Is the card a debit or credit card?+

It is a debit card, but the account also runs credit features, so the same relationship pairs a credit card with a debit card. The card runs on the mastercard network. Spending is drawn from the balance, and credit is used when the balance does not cover it.

How much can I take out abroad?+

The account sets a daily cash withdrawal limit abroad, so there is a cap on what you can take out each day. The card is a debit card on mastercard, accepted at Mastercard points abroad. Free ATM withdrawals are DKK 0, which means the operator charge is the cost to budget for.

Is there cashback on spending?+

The rewards type is cashback, and cashback applies at Cashback at 2,000+ shops, merchant-set rates. Because the rate is set by each merchant, the return depends on the shops actually taking part. Across the brands on site, 49.5% use cashback as the rewards type, so this is a common structure rather than a stand out one.

Who regulates the bank?+

The account is run by Danske Bank A/S, headquartered in Denmark, and the regulator for this market is Finanstilsynet. The bank therefore operates under DK supervision, and the terms on the account are set for customers in that market.

How do I get help with the card?+

Support is available through phone, chat and help centre, which covers phone, chat and a help centre. There is a page for help on currency matters as well as the general help centre. Card and account questions can be raised by any of those routes rather than in person, since the listed channels are remote.

Who is the card aimed at?+

The card is listed for the student and kids market, so it is positioned for students and for kids accounts. It is a debit card on mastercard with a monthly fee of DKK 0, which suits a first account as much as a daily spending card. The account also carries credit features for larger purchases.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Protection.

Danske Bank DK

Danske Bank DK

Danish residents wanting one account for debit spending and short interest-free credit.

9.2/10See alternatives