Danske Bank FI review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Danske Bank FI suits people in Finland who want a single bank for everyday spending and credit on the same card, and it keeps costs easy to read. Its credit card carries an annual fee of €38 and an APR of 14%, while currency conversion sits at 1.95%.
Key facts
- Best for
- Anyone in Finland who wants a debit card and a credit card from the same bank.
- Currency conversion fee
- 1.95% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- Danske Bank A/S, Finland Branch (Source, checked September 26, 2026)
- Official website
- danskebank.fi
Credit cards
Pros and cons
Pros
- A single issuer covers both the debit card and the credit card, so everyday spending and borrowing sit with the same bank
- The credit card annual fee of €38 is modest next to the highest annual fees in the field, which reach €167.70
- Borrowing costs of 14% sit below the credit card median of 20.97%
- Currency conversion of 1.95% is close to the debit card median of 1%
Cons
- The credit card charges an annual fee of €38, while the median annual fee across credit cards is €0
- Currency conversion of 1.95% applies on foreign spending, and the highest conversion fee among debit cards reaches 10.5%
- The account is held by Danske Bank A/S, Finland Branch, so the issuer sits outside the retail deposit market most readers shop in
Who it suits
- Finland residents who want a debit card and a credit card from the same issuer
- Borrowers comfortable paying an annual fee of €38 for credit on the same card
- People who spend abroad and accept a currency conversion charge of 1.95% on foreign purchases
Who should look elsewhere
- Readers hunting for a credit card with no annual fee, since this card charges €38
- Travellers who want a card without a currency conversion charge, since conversion costs 1.95%
- Anyone based outside Finland, since the account is held by a branch rather than a locally incorporated bank
How Danske Bank FI compares
Frequently asked questions
How much does the Danske Bank FI credit card cost each year?+
The annual fee on the credit card is €38. The median annual fee across the credit cards compared here is €0, so this fee is the main cost to weigh before applying. The top of the range among credit cards reaches €4.89.
What is the interest rate on the credit card?+
The credit card carries an APR of 14%. The median APR across the credit cards compared here is 20.97%, so this rate sits below the middle of the field, though the highest rates listed reach 204.6%.
Does Danske Bank FI charge for spending in other currencies?+
Currency conversion costs 1.95% on this card. Across the debit cards compared, the median conversion fee is 1% and the highest reaches 10.5%, so frequent foreign spending is where this card costs most.
Can I get a debit card and a credit card from the same bank?+
Yes. The card type here is debit and the card kind is credit, so both a debit and a credit card sit with the same issuer. Debit cards dominate the cards compared, at 74.3% of the listings.
Who runs the account and where is it based?+
The legal entity behind both cards is Danske Bank A/S, Finland Branch, so the account is provided by a branch rather than a locally incorporated bank. That structure matters for anyone weighing who holds their money, and it applies to the debit card and the credit card alike.
What kinds of cards do most card issuers in this comparison offer?+
Debit cards make up 74.3% of the listings, prepaid cards 20.4% and virtual cards 5.3%. Credit cards are the norm among borrowing products, at 96.8% of the cards compared here.
Is this card a good fit for someone who never travels abroad?+
Foreign spending is the main cost here, since currency conversion is 1.95%. Readers who keep to euro spending never meet that charge, and the annual fee of €38 on the credit card is the number to weigh instead.
Sources
- danskebank.fi/-/media/pdf/danske-bank/fi/en/tuotteet/term... checked September 26, 2026
Backs: Card kind, Legal entity
“Mastercard Credit”
- danskebank.fi/-/media/pdf/danske-bank/fi/en/yritysasiakka... checked September 26, 2026
Backs: Currency conversion fee
“Exchange rate Mastercard exchange rate + 1.95%”
- danskebank.fi/en/for-you/become-a-customer/akava-membersh... checked September 26, 2026
Backs: Annual fee, APR
“the interest rate of the credit is 14.0% and the annual fee is EUR 38 remain unchanged - Mastercard Credit card”
- danskebank.fi/sinulle/paivittaispalvelut/kortit checked September 26, 2026
Backs: Card type
“Pankki- ja luottokortit: Löydä sinulle sopiva maksukortti - main retail card on pricing page”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.
Danske Bank FI
Anyone in Finland who wants a debit card and a credit card from the same bank.