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Updated September 28, 2026 · VaultCue Editorial Team

Danske Bank DK vs Finom

Danske Bank DK scores 9.6 and Finom 8.9 out of 10. Compare their differences and shared features below.
Finom

Finom

8.9/10
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Danske Bank DK

Danske Bank DK

Higher score in this comparison

9.6/10
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What sets them apart

Danske Bank DK vs Finom
CompareDanske Bank DKDanske Bank DKReviewSee alternativesSee alternativesFinomFinomReviewVisitVisit
Monthly feeDKK 0 to DKK 49€0
Currency conversion feeNot confirmed1%
CurrenciesNot confirmed17
Free ATM withdrawalsNot confirmed€10,000
Transfer feeNot confirmedFree outgoing SEPA transfers up to EUR 2,500 per month (Solo plan); outgoing international payments 1% (Solo) to 0.20% (Pro)

Same on both: Deposit protection (EU DGS up to EUR 100,000), Local account details (IBAN).

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 2019.
  • Finom is licensed in 1 more country.
  • Finom is available in 10 more countries.
  • Support channels: only Danske Bank DK offers Phone.
  • Support channels: only Finom offers Community.
  • Audience: only Danske Bank DK offers Student, Teen.
  • Audience: only Finom offers Business, Freelancer.
  • Pricing model: only Finom offers Fixed rate.

Our verdict on each

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.

Read the full Danske Bank DK review

Finom

Finom suits freelancers and small businesses that want a euro cash account with a set rate and instant access. A minimum deposit of €0 and local IBAN details make it easy to open, though the fixed rate will not follow the market and support runs on email, chat and help centre only.

Read the full Finom review

Score breakdown

Danske Bank DK vs Finom
AreaDanske Bank DKFinom
Cost9.3A 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.9.3Costs sit at the free end: a monthly fee of €0 and a conversion fee of 1% near the site median of 0.5%.
Offer9.49.7HigherA fixed rate of 5% with instant access, ranking 92 of 473 on rate.
Trust9.9Higher8.2

Where each is licensed and available

Danske Bank DK vs Finom
CountryDanske Bank DKFinom
CyprusNot confirmed
DenmarkNot confirmed
NetherlandsNot confirmed

Additional countries for Danske Bank DK: 1. Additional countries for Finom: 11.

Where they rank in our lists

Danske Bank DK vs Finom
RankingDanske Bank DKFinom
Savings accounts51 of 14201 of 1420
Fixed-rate bonds and CDs9 of 1881 of 188

Every fact side by side

Danske Bank DK vs Finom
FactDanske Bank DKFinom
AudienceStudent, TeenBusiness, Freelancer
Pricing modelNo monthly feeNo monthly fee, Fixed rateCovers more
FeaturesFree ATMFree ATM
Legal entityDanske Bank A/SPNL Fintech B.V.
HeadquartersDenmarkNetherlands
Founded1871Lower2019
Support channelsEmail, Chat, Phone, Help centreEmail, Chat, Help centre, Community

Savings

Danske Bank DK vs Finom
FactDanske Bank DKFinom
Headline rateNot confirmed5%
Rate typeFixedFixed
Term3 to 12 monthsNot confirmed
Minimum depositDKK 10,000€0
Access termsDanske 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 18Instant access, withdraw at any time with no withdrawal penalties
Account kindFixedCash management

Money transfer

Danske Bank DK vs Finom
FactDanske Bank DKFinom
Payout methodsBankNot confirmed

Where each stands against the rest

Danske Bank DK vs Finom
FactDanske Bank DKFinomMedian
Currency conversion feeNot confirmed1%above the median0.5%
CurrenciesNot confirmed17highest quarter5
Free ATM withdrawalsNot confirmed€10,000highest quarter€1

Median across 536 listed accounts.

Pros and cons

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.

Finom

Pros

  • The minimum deposit is €0, so an account can be opened without a large opening balance.
  • The transfer fee leaves outgoing SEPA transfers free on the Solo plan within a monthly limit.
  • Local IBAN details sit alongside 17 currencies, so one account can take payments in several currencies.

Cons

  • The interest rate is fixed, so it will not rise with the market while most savings accounts here are variable (79%).
  • The transfer fee for outgoing international payments is higher on the Solo plan than on the Pro plan.
  • Deposit protection is EU DGS up to EUR 100,000, so any balance above that cap sits outside the scheme.

Who each suits

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.

Finom

Who it suits

  • Freelancers and sole traders who need local IBAN details and can move money the same day it arrives.
  • Small businesses paid in euros by clients abroad who want several currencies in one place.
  • Readers who want a set rate on working money rather than the highest variable rate on the table.

Who should look elsewhere

  • Anyone ranking purely on the headline figure, since Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%.
  • Variable rate savers, since 79% of the brands in this group pay a variable rate and the Finom rate is fixed.
  • Readers happy with a wallet and a smaller return, since PayPal Colombia lists 3.3%.

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

Finom

Current offer

  • Bonus

    Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000

    Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply

    Source, checked September 26, 2026

  • Free trial

    30-day trial on paid plans: 30 days

    Paid Basic and Smart plans, excl. VAT; paid monthly or yearly

    Source, checked September 26, 2026

  • First period offer

    3 months for free for partners customers only: 3 months free

    Customers introduced through the Finom Partner Program

    Source, checked September 26, 2026

Country by country

Danske Bank DK vs Finom
CountryDanske Bank DKFinom
AustriaNoYes
BelgiumNoYes
CyprusNoYes
DenmarkYesNo
FranceNoYes
GermanyNoYes
IrelandNoYes
ItalyNoYes

8 of 12 countries where either is available.

Questions about each

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.

Finom

What does it cost to keep a Finom account?+

The monthly fee is €0 and the minimum deposit is €0, so there is no cost to holding a balance and no need for a large opening payment. The charge that matters is currency conversion at 1%, plus outgoing international payments, which cost more on the Solo plan than on the Pro plan.

Is my money protected if something goes wrong?+

Balances sit under the EU deposit guarantee scheme, with protection stated as EU DGS up to EUR 100,000. Finom is entered on the Dutch register as R180074 and on the Cypriot register as 456/25, so more than one supervisor is watching the business.

Other options to compare

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Finom

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Danske Bank DK

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