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Annual overview

Find answers to your questions about the annual statement from Danske Bank

Annual fee statement and annual summary (detailed custody account summary)

  • You will receive the annual summary (detailed custody account overview) in e-Boks from 20 January.

    If you have opted for physical mail, you will receive them later.
  • The fee statement shows interest amounts and fees for your payment accounts, while the annual summary (detailed custody account summary) shows returns and holdings in your custody accounts.
  • If you have loans with Realkredit Danmark, you will receive a separate summary of interest amounts and administration margin payments for those loans.

    If you receive mail from Realkredit Danmark in e-Boks, you will receive the summary in early January.

    If you have opted for physical mail, you will receive the summary later in January.
  • We do not send the statements grouped by address – we send them in large ‘blocks" over a period of time. That is the reason why persons living at the same address may receive them at different times.
  • No, like all other banks, Danske Bank is obliged to send the annual fee statement to you (please also see also questions and answers about the annual fee statement).

Interest amounts reported to the tax authorities

  • Since 1 October 2022, you have not paid negative interest on cash deposits with us. In addition, we have introduced positive interest rates for selected personal customer account types.
    Read more
  • Each year, you receive a tax assessment notice from the Danish Tax Agency, specifying all the interest amounts that Danske Bank and, if relevant, other banks have reported on your behalf.

    The annual tax assessment notice is available via TastSelv on the skat.dk website from mid-March. The deadline for correcting the annual assessment is 1 May. (Other deadlines apply if you have an annual tax assessment with a business part – see below).

    Under Tax information via TastSelv on the skat.dk site, you can view reported interest amounts for the individual accounts. The amounts are available from the end of January.

    In addition, you can always view credit or debit interest amounts on your own statements of account, in Danske Mobile Banking and Danske eBanking under the individual accounts and on the annual fee statement from Danske Bank.

    Interest on bank loans is typically charged at the end of each quarter – and on your account statements and in the account overview for each individual account in Danske Mobile Banking and Danske eBanking, this entry is called Interest.

    Annual tax assessment with a business part – other deadlines for filing information apply
    If you have an annual tax assessment with a business part, you will not receive an annual assessment from the Danish Tax Agency until you have completed the information form for the business part. The deadline for this is 1 July.

    Read more at skat.dk under "Business" ->"Own business" ->.

  • How to view reported interest amounts

    • Select the account for which you want to view interest paid or received
    • Tap Search (the magnifying glass) in the top right corner
    • Enter Interest and tap Search.

    Interest entries for the past 24 months are now displayed.
    • Select the account for which you want to view interest paid or received
    • Scroll down to "Do you want to" and click "See the interest rate on your account" or "See transactions 14 - 25 months back".

    Interest entries are now displayed.
  • No, we will automatically report your interest amounts to the Danish Tax Agency. That also applies to interest on any accounts and savings accounts your children may have.
  • If you are a co-owner of a jointly held account, the Danish Tax Agency will allocate half of the interest amount to you and the other half to the other account holder.

    If the jointly held account has more than two owners, you must report your share of the interest amount on your annual tax assessment from the Danish Tax Agency.
  • No, we will report guarantee commission to the Danish Tax Agency.
  • Danske Bank does not provide tax advice. We recommend that you contact the Danish Tax Agency or an accountant.
  • All banks in the EU must send a fee statement for each payment account to their customers. This increases transparency and thus also competition among the banks.

    We are required by law to send a fee statement for each payment account. So if you have more than one payment account, you will receive more than one statement.

    What does the EU fee statement show?
    The fees to be shown in the statement are determined by legislation – and include the fees for access to online banking, the transfer of funds and the use of payment forms. In addition, the statement shows credit and debit rates for each individual payment account. Danske Bank’s payment account types are called Danske Konto and Danske Indlån. You may have given them other names in Danske Mobile Banking and Danske eBanking. Fixed-term savings accounts, loan accounts and custody accounts are not payment accounts and are therefore not included in the fee statement.
  • We are obliged to send you a statement even if an account has been closed. This also applies even if you have not paid any fees or no interest amounts have been credited or debited to the account.
  • The information about interest amounts that was given in the annual update also appears from the fee statement, your account statements and in Danske Mobile Banking and Danske eBanking under the individual accounts – as well as in your tax assessment notice from the Danish Tax Agency.

Annual summary

  • You will receive the annual summary (detailed custody account overview) in e-Boks between 10 January and 20 January.

    If you have opted for physical mail, you will receive the summary later in January.

  • The annual summary gives you a detailed overview of the securities and other assets in which you have invested during the year.

    The summary lists the following

    • Holdings at year-end
    • Price
    • Credit or debit interest amounts and dividends

    The values are stated at 31 December.

    Our deadline for reporting information to the Danish Tax Agency is around 20 January. Consequently, in a few cases, there may be a discrepancy between the annual summary (detailed custody account overview) from Danske Bank and your annual tax assessment from the Danish Tax Agency.

Digital mail

    • In Danske eBanking, choose Digital mail under the e-Boks menu item
    • At e-boks.dk, you register mail from Danske Bank in the menu under ‘Mail from Companies’ and ‘Registrations’
    • If you would like help with setting up receipt of digital mail, you are very welcome to contact us.

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