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The grid below compares the features of our personal current accounts.

This comparison tool is to give you an example only.

We are making changes to our overdraft fees and service charges from 1 April 2020.

Please review The cost of banking with us is changing documentation.

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Products	Danske Freedom	Danske Choice	Danske Discovery	Danske Standard	Danske Cash Reward	CashMaster Account (offsale)	Current Account Personal (offsale)	Current Account Plus (offsale)	ChequeMaster Account (offsale)	Principal (offsale)	Danske Choice Plus (offsale)	Danske Prestige (offsale)	Danske 24/7 (offsale)
	Apply	Apply	Apply	Apply	Apply
Age	18 to 27	18 and over	11 to 17	18 and over	18 and over	14 and over	18 and over	18 and over	18 and over	18 and over	18 and over	18 and over	18 and over
Current account	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Monthly Cash Reward	£0	£0	£0	£0	£7	£0	£0	£0	£0	£0	£0	£0	£0
Monthly Qualifying Criteria for Cash Reward	Does not apply	Does not apply	Does not apply	Does not apply	£1200 credited to account; 1 digital banking logon	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply
eBanking	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Debit Mastercard - cash withdrawals at cash machines and at Post Office® counters	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Debit Mastercard - lodgements at Post Office® counters	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Debit Mastercard - make a donation to a charity (where the cash-machine provider offers this service)	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Debit card - point of sale (for example, shops, over the phone, online)	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Chequebook available	Yes	Yes	Does not apply	No	Yes	No	Yes	Yes	Yes	Yes	Yes	Yes	Yes
Arranged overdraft available	Yes	Yes	Does not apply	Does not apply	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Minimum £50
Maximum arranged overdraft available with no overdraft set-up fee	Up to £3,000	Up to £7,500	Does not apply	Does not apply	Up to £7,500	No fee	No fee	No fee	No fee	No fee	Up to £15,000	Up to £50,000	Up to £10,000
Commission-free foreign currency	Yes	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Yes	Yes	Does not apply
Discounted arrangement fee for residential home loans	Yes	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Yes	Yes	Does not apply
More favourable rates on standard fixed-rate personal loans	Yes	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Yes	Yes	Does not apply
Monthly package or account fee	£0	£0	£0	£0	£2	£0	£0	£0	£0	£0	£11	£18	£0
Arranged Overdraft Interest Rate	0%	1st £100 of debit balance - 0%; debit balance of more than £100 - 15.24%.	Does not apply	Does not apply	1st £100 of debit balance - 0%; debit balance of more than £100 - 17.24%.	15.24%	15.24%	15.24%	15.24%	Negotiable Max 15.24%	10.74%	Negotiable Max 10.24%	10.74%
Gross Interest rates on cleared credit balances	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0.20%	0.30%	0.00%
Favourable Interest on Linked Savings Account	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	0.50% AER Applied in October	0.55% AER Applied in October	Does not apply
Worldwide family travel insurance benefits (Mastercard Gold and Platinum card holders only)	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Yes	Yes	Does not apply
Priority Pass - Access to Airport lounges - Mastercard Platinum CardHolder and one guest	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Does not apply	Yes	Does not apply
Number of free cheques per month	Four each month. Each additional cheque costs 70p	Four each month. Each additional cheque costs 70p	Does not apply	Does not apply	Unlimited	Does not apply	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	None. £1 charge for every cheque
Number of free counter cash withdrawals per month	Four each month. Each additional item costs 70p	Four each month. Each additional item costs 70p	Unlimited	Four each month. Each additional item costs 70p	Four each month. Each additional item costs 70p	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	Unlimited	None. £1 charge for every cash withdrawal at a branch counter

Whether we grant you any of our credit facilities depends on your age and circumstances.

We may change or withdraw the products or benefits associated with Danske personal packages.

When comparing our personal current accounts, you should also consider the fees, service charges and interest rates that apply to each one. Details are available in our 'Fees and service charges explained' and 'Interest rates' leaflets (available at any branch and on this website).

There is a range of charging scenarios (situations when charges may apply) to show you the charges you will be expected to pay if you spend money that makes you go over an arranged overdraft, or makes you go overdrawn when you do not have an arranged overdraft.

If you are under 18, you may need your parent's or guardian’s permission before you can use some services.

These accounts can be used for Account Information Services and Payment Initiation Services.

Learn more

Need some tips and information? Do you need to know more about how to open or use a current account? Read more about current accounts	Interested in other products? If you are interested in some of our other products, you can find out more below. Accounts Deposits Mortgages

About the bank

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Lines are open between 8am and 8pm Monday to Friday and 9am to 5pm Saturdays and Sundays, except on bank holidays or other holidays in Northern Ireland when the bank is not open for business. Call charges may vary. Please contact your phone company for details. We may record or monitor calls to confirm details of our conversations, and for training and quality purposes.

Phone conversations may be recorded and stored due to documentation and security purposes

Danske Bank is a trading name of Northern Bank Limited. Registered in Northern Ireland R568. Registered office: Donegall Square West, Belfast BT1 6JS. Northern Bank Limited is a member of the Danske Bank Group. Northern Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Northern Bank Limited is entered in the Register maintained by the Financial Conduct Authority, Financial Services Register registration number 122261. VAT number GB853 7590 92. Northern Bank Limited adheres to the Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.

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We are making changes to our overdraft fees and service charges from 1 April 2020.

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