Danske Bank DK review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Danske Bank is the bank itself rather than a broker, so you deal with the lender itself for a home loan and a revolving credit line. It suits Danish borrowers with sound finances who want a direct relationship, and its mortgage allows borrowing up to 95% of a property's value.

Key facts

Best for
Danish borrowers who want a home loan and a flexible credit line from the same bank.
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
95% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Danske Bank A/S (Source, checked September 26, 2026)
Headquarters
Denmark (Source, checked September 26, 2026)
Founded
1871 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
danskebank.dk

Loans

Loan amount
from DKK 10,000 (Source, checked September 26, 2026)
Term
12 to 60 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Must be 18 or older and have sound finances (stated for Kassekredit credit line) (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Car, Secured (Source, checked September 26, 2026)
Legal entity
Danske Bank A/S (Source, checked September 26, 2026)
Headquarters
Denmark (Source, checked September 26, 2026)
Founded
1871 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Credit line

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • You apply to a direct lender, so there is no broker layer between you and the decision.
  • Home loans are fixed for 10 years, which makes monthly payments easier to plan.
  • A maximum loan to value of 95% leaves a smaller deposit to find at completion.
  • The Kassekredit offers a credit line, so you draw only what an unexpected bill needs.

Cons

  • The consumer loan is priced at a variable rate, so payments can move with the market.
  • Support runs on phone and help centre only.
  • The fixed period of 10 years is shorter than Prestalo at 25 years, so longer planning means looking elsewhere.
Danske Bank DK

Ready to try Danske Bank DK?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Danish buyers who want a home loan and a Kassekredit credit line from the same bank.
  • Borrowers with sound finances who can clear the hard credit check on the consumer loan.
  • People who value a phone and a written help centre, phone and help centre, when a question comes up.

Who should look elsewhere

  • Prestalo borrowers, who fix for 25 years rather than 10.
  • Creditilia ES borrowers, whose fixed period is 5 against 10 here.
  • Sofkredit borrowers, whose fixed periods run 0.5 to 20 years.

Where it sits among rivals

On fixed period, Danske Bank ranks 110 out of 259 lenders, and on maximum loan to value it sits at 47 of 293. A mid-table fixed period means you are not locking money away for decades, while the stronger loan to value ranking gives you more room at the completion stage.

Who runs it

The lender is Danske Bank A/S, based in Denmark and trading since 1871. Because you deal with the bank rather than a broker, questions stay with a single organisation. Support runs on phone and help centre, so a phone call and a written help centre are the main routes to an answer.

How Danske Bank DK compares

Where Danske Bank DK is available

Available
Denmark
Licence in Denmark
Finanstilsynet (Danish Financial Supervisory Authority), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Who regulates Danske Bank in Denmark?+

Danske Bank is supervised in DK by Finanstilsynet, the Danish Financial Supervisory Authority, which is the regulator listed for the brand. The bank is a direct lender, so you apply to the lender itself rather than to a broker.

How much of a property's value can I borrow?+

The home loan allows a maximum loan to value of 95%, so the mortgage can cover a large share of what the property is worth. That leaves a smaller deposit to find at completion, which helps buyers with limited savings.

Is the home loan rate fixed?+

The home loan runs on a fixed period of 10 years, so the rate is set for that stretch of the loan. The consumer loan is a different arrangement: its rate type is variable, which means it can move with the market.

What is the Kassekredit credit line good for?+

The Kassekredit is a credit line rather than a sum you draw once. You can use it when an unexpected bill arrives and repay it later, which suits people who would rather not borrow a large amount in advance.

How long can a consumer loan run?+

The consumer loan runs for a term of 12 to 60, so you can spread a car or other purchase over a shorter period than a home loan. The minimum borrowing on that loan is from DKK 10,000.

What credit check do I need to pass?+

The consumer loan uses a hard credit check, so a decision rests on your full credit file. For the Kassekredit credit line, the bank states you must be an adult with sound finances, so keeping your file tidy matters either way.

What can I borrow for besides a home?+

The bank lends across personal, credit line and car, which is a broad spread for a single provider. The car and consumer products share the same term range of 12 to 60, so a shorter commitment is possible there than on a mortgage.

How do I get help with a loan question?+

Support runs on phone and help centre. A phone call suits you if you would rather talk the numbers through, and the help centre gives written answers when you cannot wait.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Initial rate, APRC.

Danske Bank DK

Danske Bank DK

Danish borrowers who want a home loan and a flexible credit line from the same bank.

9.3/10See alternatives

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