Updated September 28, 2026 · VaultCue Editorial Team
bunq vs Danske Bank DK
bunq
Danske Bank DK
Higher score in this comparison
Where bunq and Danske Bank DK differ
| Compare | bunqReviewVisitVisit | Danske Bank DKReviewSee alternativesSee alternatives |
|---|---|---|
| Rate type | Variable | Fixed |
| Access terms | Withdraw any amount free up to 2 times a month, rising to 3 free monthly withdrawals after 12 months; interest paid weekly | 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 |
| Monthly fee | €0 | DKK 0 to DKK 49 |
| Account kind | Easy access | Fixed |
| Headline rate | 3.01% | Not confirmed |
| Term | Not confirmed | 3 to 12 months |
| Minimum deposit | Not confirmed | DKK 10,000 |
Same on both: Deposit protection (EU DGS up to EUR 100,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Danske Bank DK scores higher overall: 9.6 vs 8.9.
- Founded is lower at Danske Bank DK: 1871 vs 2012.
- bunq is licensed in 6 more countries.
- bunq is available in 6 more countries.
- Support channels: only Danske Bank DK offers Phone.
Our verdict on each
bunq
bunq suits savers who want an easy-access euro account that costs nothing to keep and pays a variable rate with weekly interest, protected by an EU guarantee. The rate of 3.01% is solid rather than remarkable, and support runs on email, chat and help centre only.
Danske Bank DK
Danske Bank's Danske Toprente suits adults in Denmark who can leave their savings untouched for the full term, and the everyday side is cheap at monthly fees of DKK 0 to DKK 49. The reward sits on the fixed term account, so pick this one to hold savings rather than to spend day to day.
Score breakdown
| Area | bunq | Danske Bank DK |
|---|---|---|
| Cost | 9.1Monthly fee of €0 on a no monthly fee account, with a currency conversion fee of 3% on the free plan. | 9.3HigherA DKK 10,000 minimum deposit and a penalty for early withdrawal weigh against a low everyday fee, so cost is a balance, not a win. |
| Offer | 9.1Rate of 3.01% that is variable, close to the savings median of 3%. | 9.4Higher |
| Trust | 8.7 | 9.9Higher |
Where each is licensed and available
| Country | bunq | Danske Bank DK |
|---|---|---|
| Belgium | Not confirmed | |
| Denmark | Not confirmed | |
| France | Not confirmed | |
| Germany | Not confirmed | |
| Ireland | Not confirmed | |
| Italy | Not confirmed | |
| Netherlands | Not confirmed | |
| Spain | Not confirmed |
Additional countries for bunq: 7. Additional countries for Danske Bank DK: 1.
Positions in our rankings
| Ranking | bunq | Danske Bank DK |
|---|---|---|
| Savings accounts | 6 of 1420 | 51 of 1420 |
| Student, teen and kids accounts | 3 of 273 | 12 of 273 |
Where these facts come from
bunq
- bunq.com: 5 facts, checked September 26, 2026
- help.bunq.com: 4 facts, checked September 26, 2026
- dnb.nl: 1 fact, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Danske Bank DK
- danskebank.dk: 11 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | bunq | Danske Bank DK |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | bunq B.V. | Danske Bank A/S |
| Headquarters | Netherlands | Denmark |
| Founded | 2012 | 1871Lower |
| Support channels | Email, Chat, Help centre | Email, Chat, Phone, Help centreCovers more |
Everyday accounts
| Fact | bunq | Danske Bank DK |
|---|---|---|
| Currency conversion fee | 3% | Not confirmed |
| Audience | Expats, Travelers, Business, Student | Student, Teen |
| Features | Joint account, Digital only | Free ATM |
| Local account details | IBAN | IBAN |
Money transfer
| Fact | bunq | Danske Bank DK |
|---|---|---|
| Payout methods | Not confirmed | Bank |
Where each stands against the rest
| Fact | bunq | Danske Bank DK | Median |
|---|---|---|---|
| Headline rate | 3.01%below the median | Not confirmed | 3.25% |
| Term | Not confirmed | 3 to 12 monthsbelow the median | 24 |
Median across 658 listed accounts.
Pros and cons
bunq
Pros
- The monthly fee is €0 and the pricing model is no monthly fee, so keeping the account open costs nothing each month.
- Interest is paid weekly and the rate type is variable, so money keeps earning between withdrawals without a term to serve out.
- Balances are covered by EU DGS up to EUR 100,000, so there is a payout route if the provider fails.
Cons
- The rate type is variable, so the return follows the base rate and the account ranks 240 of 473 brands on the headline rate.
- Support runs on email, chat and help centre only, which leaves phone callers with a narrower route in.
- Features list joint account and digital only, so the service is digital only and there is no branch counter.
Danske Bank DK
Pros
- Monthly fees of DKK 0 to DKK 49 on the everyday account, and the bank lists a no monthly fee model (no monthly fee).
- Deposits sit with the EU deposit guarantee scheme at EU DGS up to EUR 100,000.
- Help is available by email, chat and phone, so a phone line and live chat are both in the mix.
Cons
- A fixed rate over a term of 3 to 12 means the balance stays put for months at a time.
- A minimum deposit of DKK 10,000 ties up real cash, and taking money out early costs a penalty.
- The stated audience is student and teen, so the account is pitched at a narrower group than a general current account.
Who each suits
bunq
Who it suits
- People who want an easy-access euro account that pays interest weekly and costs nothing to hold.
- Travellers and expats, part of the expats, travelers and business bunq targets, who convert currency and want a local IBAN.
- Students and savers who value EU DGS up to EUR 100,000 over a higher rate.
Who should look elsewhere
- Anyone chasing a top fixed rate, since 24.19% at plazo pays far more.
- Customers who need a phone helpline, as support runs on email, chat and help centre only.
- Anyone wanting a branch counter, because features list joint account and digital only and the service is digital only.
Danske Bank DK
Who it suits
- Adults in Denmark with savings to place for a set period and no need for daily access to the balance.
- Readers who want deposit protection through the EU guarantee scheme rather than a payments account.
- Younger savers in Denmark: the stated audience is student and teen and the everyday account carries free ATM withdrawals.
Who should look elsewhere
- bunq, if a monthly fee of €0 makes the fee the main reason to switch.
- Pixpay FR, for a euro account with a monthly fee of €3.99 rather than Danish kroner.
- bunq Spain Bank Account, if a monthly fee of €0 and a bank outside Denmark fit better.
Current offers
Danske Bank DK
Current offer
Discount code
0 kr. in trading commission right now: 0 DKK trading commission (kurtage)
Offer runs until and including 1 March 2027; shown for the investment savings account (aktiesparekonto)
Source, checked September 26, 2026
First period offer
Free first 3 months of the Danske Hverdag+ basis package: 0 kr. for the first 3 months
First 3 months free of the Danske Hverdag+ basis package; afterwards 0-49 kr. per month depending on business volume
Source, checked September 26, 2026
Country by country
| Country | bunq | Danske Bank DK |
|---|---|---|
| Belgium | Yes | No |
| Denmark | No | Yes |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
| Spain | Yes | No |
Questions about each
bunq
What does bunq charge to keep a savings account?+
The monthly fee is €0 and the account is priced on a no monthly fee basis, so there is no recurring charge to keep it open. The one cost to watch when you spend abroad is currency conversion at 3% on the free plan. Interest is still paid weekly with no fee deducted.
How much interest does the account pay?+
The rate is 3.01% and the rate type is variable, so the figure follows the base rate instead of being fixed to a term. Across the savings accounts on the site, the median headline rate is 3%, which puts bunq near the middle. Interest is credited weekly rather than monthly.
Danske Bank DK
What does the account cost each month?+
Monthly fees run DKK 0 to DKK 49 on the everyday account, and the bank groups that under a no monthly fee model (no monthly fee). Basic banking is the part that stays cheap; the reward for saving sits on the fixed term account rather than on day to day spending.
Is my deposit protected?+
Yes. Deposits are covered by the EU deposit guarantee scheme at EU DGS up to EUR 100,000. Danske Bank A/S is supervised in Denmark by Finanstilsynet, the Danish Financial Supervisory Authority, so the money sits with a bank rather than a payments firm.
Other options to compare
Other matchups
Related by the facts
bunq
Danske Bank DK