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Danske Konto

An account for your day-to-day finances

  • Use it as a salary, day-today shopping or budget account
  • Option of overdraft facility
  • Get a card

Book meeting
- or call us on
+45 70 123 456
to get an account

An account is one of the most fundamental bank products that we offer. Danske Konto is a simple and flexible solution for your day-to-day finances, and you can get several accounts to meet your various needs. For most people, it makes sense, for example, to have an account for day-to-day spending and another account for fixed expenses. 

You can get an overdraft facility and a cash card or payment card for your Danske Konto account. And you can manage and name your accounts yourself in Danske eBanking. 

Read more about Danske Konto prices here.

Danske Konto


  • Customer packages

    Customer packages

    Almost everyone needs more from a bank than just a single account. This may be additional accounts for other purposes, a payment card, a Mobile Banking app – and many other things. Therefore, we have gathered the products that our customers typically need in customer packages, which are adapted to the needs of various customer profiles.

    By answering a few quick questions, you can see here 
    which solution suits your needs

  • Young adults and students
  • Basal Indlånskonto (basic deposit account)

    Basal Indlånskonto (basic deposit account)

    If you have very basic banking needs, and you do not need the Danske Mobile Banking app for mobile phone or tablet, our most basic solution may be the thing for you. With a basic deposit account, you get a Danske Konto and a Mastercard Direct for the account. The account can be used as NemKonto. You can only have Basal Indlånskonto, if you do not have an account with another bank in Denmark, and you can only have one Basal Indlånskonto.

    A Danske Konto costs DKK 120 a year.
    A Mastercard Direct costs DKK 60 a year.

    Danske Bank's list of charges - for customer packages, products and services
    List of charges for Mastercard Direct

    In the list of charges, you can also see the other charges and prices for account and card use.

    Terms and conditions

    Terms and conditions for Mastercard Direct

  • Basal betalingskonto (Basic payment account)

    Basal betalingskonto (Basic payment account)

    Do you only need one account and a card for your day-to-day finances? If so, we offer a basic payment account with a few simple services that can make your day-to-day life easier:

    • A Danske Konto account for salary payments, public benefits and payment of bills, which will also be your new NemKonto account.
    • A Mastercard Direct – Basal card, which is a basic card solution for withdrawing cash in ATMs within the EU/EEA free of charge. The card can also be used in shops and for online purchases.
    • Danske Netbank (e-Banking), so that you can handle most money matters from home.
    • Betalingsservice (direct debit), so that your bills are paid automatically.


    A Danske Konto costs DKK 120 a year.
    A Mastercard Direct – Basal card costs DKK 400 a year.

    List of charges for Basal Betalingskonto (basic payment account) 
    List of charges for Mastercard Direct – Basal

    In the list of charges, you can also see the other charges and prices for account and card use.



Tips and advice

  • What is the difference between a salary account and a savings account?

    A salary account is the account you use for day-to-day spending. This is the account into which your salary is paid, and it is typically the account for which the payment card that you use most frequently is issued. At Danske Bank, the Danske Konto account type is suited for this purpose.

    A savings account is an account in which you set money aside for large purchases or to build up a buffer for unforeseen expenses. The most commonly used savings accounts are Danske Indlån. 

  • Consider investing your savings

    If you have money that you are thinking of saving up, it may be a good idea to consider investing your savings. The reason for this is that the general interest rate level is currently very low, which means that we cannot offer you much interest on your savings. But there is also a risk of losing money when you invest, so you should always consult us before making investments. 

  • How do I get a budget account?
    At Danske Bank, the Danske Konto account type is the one you want if you need a budget account. You can open an account of this type yourself in Danske eBanking. To benefit from a budget account, you must draw up a budget, so that you know what your fixed expenses are over the year. Next, you set up a regular monthly transfer from your salary account that is adequate to cover your expenses. Then make sure that all fixed expenses are charged to your budget account.
  • How many accounts do I need?
    That depends entirely on your needs and preferences. It is normally a good idea to have at least one account for day-to-day spending and a budget account for fixed expenses. A savings account to put aside money for large purchases, holidays and unforeseen expenses is also a good idea. Many families also benefit from having a separate groceries account with a payment card.
  • Can I share an account with others?
    Yes. If, for example, you need a groceries account that several family members can use, or if you are a group saving up for a joint purpose, you can set up a joint account.

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