Updated September 29, 2026 · VaultCue Editorial Team
Danske Bank DK vs Revolut UK
Revolut UK
Danske Bank DK
Higher score in this comparison
What sets them apart
| Compare | Danske Bank DKReviewSee alternativesSee alternatives | Revolut UKReviewVisitVisit |
|---|---|---|
| Monthly fee | DKK 0 to DKK 49 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Licence type | Not confirmed | E money |
| Currency conversion fee | Not confirmed | 0% to 1% |
| Currencies | Not confirmed | 30 |
| Transfer fee | Not confirmed | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide |
Same on both: Local account details (IBAN).
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Key differences
- Danske Bank DK scores higher overall: 9.6 vs 9.0.
- Founded is lower at Danske Bank DK: 1871 vs 2015.
- Revolut UK is licensed in 2 more countries.
- Audience: only Danske Bank DK offers Student.
- Audience: only Revolut UK offers Travelers, Freelancer.
- Features: only Revolut UK offers Joint account.
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.
Revolut UK
Revolut UK's savings account suits savers who want easy access to their money and no monthly charge: the easy-access balance pays 4% on a variable rate, each deposit is covered by FSCS up to GBP 85,000, and the account kind is easy access so nothing is locked away for a term.
Score breakdown
| Area | Danske Bank DK | Revolut UK |
|---|---|---|
| Cost | 9.3A 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. | 9.3A monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%. |
| Offer | 9.4 | 9.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total. |
| Trust | 9.9Higher | 8.5 |
Where they rank in our lists
| Ranking | Danske Bank DK | Revolut UK |
|---|---|---|
| Savings accounts | 51 of 1420 | 40 of 1420 |
| Student, teen and kids accounts | 12 of 273 | 10 of 273 |
Where each is licensed and available
| Country | Danske Bank DK | Revolut UK |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| Denmark | Not confirmed | |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United Kingdom | Not confirmed |
Where these facts come from
Danske Bank DK
- danskebank.dk: 9 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Revolut UK
- revolut.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Danske Bank DK | Revolut UK |
|---|---|---|
| Audience | Student, Teen | Travelers, Freelancer, Teen |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM | Free ATM, Joint accountCovers more |
| Legal entity | Danske Bank A/S | Revolut Payments UAB |
| Headquarters | Denmark | Lithuania |
| Founded | 1871Lower | 2015 |
| Support channels | Email, Chat, Phone, Help centre | Chat, Phone, Help centre, Email |
Savings
| Fact | Danske Bank DK | Revolut UK |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Fixed | Variable |
| Term | 3 to 12 months | Not confirmed |
| Minimum deposit | DKK 10,000 | £0 |
| Access terms | 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 | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Account kind | Fixed | Easy access |
Money transfer
| Fact | Danske Bank DK | Revolut UK |
|---|---|---|
| Payout methods | Bank | Not confirmed |
Where each stands against the rest
| Fact | Danske Bank DK | Revolut UK | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0% to 1%below the median | 0.5 |
| Currencies | Not confirmed | 30highest quarter | 5 |
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.
Revolut UK
Pros
- Access is instant in the app, with fee-free withdrawals and no withdrawal limits.
- Support runs on chat, phone and help centre, so a phone call or email is possible when the app is not enough.
- Regulated in the UK and in Europe: the account is run by Revolut Payments UAB, founded in 2015 and headquartered in Lithuania.
Cons
- The rate type is variable, so the 4% can move and nothing is fixed for a set period.
- The savings sit with a savings deposit partner rather than the brand itself, and the account licence type is e money.
- On headline rate the account ranks at 142 of 473 brands compared, so the return is competitive rather than exceptional.
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.
Revolut UK
Who it suits
- Savers who want instant app access and no charge for holding the balance, rather than a card and credit deal such as AXI Card Tarjeta y Credito at 21.59%.
- Travelers, freelancers and teens, the audience named in travelers, freelancer and teen, who want 30 currencies and a conversion fee that runs 0% to 1%.
- Anyone starting out with a wallet, since PayPal Colombia is the listed alternative at 3.3% and this balance pays 4% with iban details.
Who should look elsewhere
- Savers shopping on the headline rate alone: the listed alternative Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%, both far above the 4% paid here.
- People who need the return fixed for a set period, since the rate type is variable and the balance is easy-access by design.
- Customers who want the deposits held by the brand itself: the account licence type is e money and the savings sit with a savings deposit partner, a different structure from the listed wallet alternative PayPal Colombia at 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
Country by country
| Country | Danske Bank DK | Revolut UK |
|---|---|---|
| Denmark | Yes | No |
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.
Revolut UK
What rate does the Revolut savings account pay?+
The easy-access balance pays a headline rate of 4%, and the rate type is variable, so the return can move with the market. Nothing has to be locked away for a term, and the account kind is easy access, so interest is credited on the balance you keep.
Is there a monthly fee or a minimum deposit?+
The monthly fee is £0 and the minimum deposit is £0, so the account can be opened with nothing in it and left open without a charge. The model is listed as no monthly fee, and 91.7% of the accounts compared run the same way.
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Related by the facts
Revolut UK
Danske Bank DK