1 (5)
Price list for everyday banking services
Extract from the service charge list for private customers:
Everyday banking packages, accounts, cards, payments and account information
Valid as of 14 December 2015
EVERYDAY BANKING PACKAGES
Everyday banking packages are available to customers
who have registered for the Danske Benefit Programme, to
young persons (ages 18–27) and to students (ages 18–32).
The benefit levels in the Danske Benefit Programme are
determined by the volume of banking*, i.e. the customer’s
combined total of loans, savings, investments and insurance
savings, according to the chart below:
Benefit level 4
Benefit level 3
Benefit level 2
Benefit level 4
€150 000 –
€50 000 – 149 999.99
€10 000 – 49 999.99
€0 – 9 999.99
DANSKE PLATINUM PLUS
Benefit level 4
Benefit level 3
Benefit level 2
Benefit level 1
Students
Young persons
€8.00
€9.00
€13.40
€22.40
€9.00
€10.00
This package includes:
- Two personal Danske accounts
- MasterCard Platinum Credit/Debit card with cash-back
bonus and travel insurance
- MasterCard Debit card
- Bank identifiers
- Danske Investor services
- Cash withdrawals in euros in EU countries using the
debit card
- Currency exchange orders
- Paper account statements for eBanking customers
- SMS services
14119
DANSKE GOLD
Benefit level 4
Benefit level 3
Benefit level 2
Benefit level 1
Students
Young persons
€3.50
€3.50
€5.40
€6.40
€1.50
€2.00
This package includes:
- Two personal Danske accounts
- MasterCard Gold Credit/Debit card with travel insurance
- MasterCard Debit card
- Bank identifiers
- Cash withdrawals in euros in EU countries using the
debit card
- Currency exchange orders
- SMS services
DANSKE SILVER
Benefit level 4
Benefit level 3
Benefit level 2
Benefit level 1
Students
Young persons
€1.50
€1.50
€4.40
€6.40
€0.00
€0.00
This package includes:
- Personal Danske account
- MasterCard Debit card
- Bank identifiers
* The volume of banking is calculated according to the previous month’s
average. The following personal customer products are taken into consideration: Deposits held at Danske Bank, the market value of fund shares managed
by Danske Invest Fund Management Ltd, the market value of Mandatum Life
Insurance Company Ltd’s investment and pension insurance policies ordered
through Danske Bank, the residual book value of bonds held in custody
accounts at Danske Bank, the market value of securities held in custody
accounts at Danske Bank, the residual book value of bonds and the current
balance of credit accounts, credit cards and consumer loans.
ACCOUNTS
CURRENT ACCOUNT
Monthly fee for Danske Account
€2.00
Current account for 0–17 year olds
€0.00
(Youth Current Account)
- The Youth Current Account includes a MasterCard Debit
card
SAVINGS ACCOUNT and GOLDEN PIGLET
SAVINGS ACCOUNT
Monthly fee for Savings Account
€0.00
Includes 2 free-of-charge withdrawals/
account transfers per month
- Additional withdrawals/account transfers €1.80 each
(€2.00 each as of 1.4.2016)
DANSKE TARGET ACCOUNT
Includes 10 free-of-charge withdrawals/account transfers
per calendar year
- Additional withdrawals/account transfers €6.00 each
DANSKE SAFETY ACCOUNT
Includes 5 free-of-charge withdrawals/account transfers
per calendar year
- Additional withdrawals/account transfers €6.00 each
Danske Bank Plc
Registered domicile and address Helsinki,
Hiililaiturinkuja 2, 00075 DANSKE BANK.
Business ID 1730744-7
2 (5)
DANSKE BENEFIT ACCOUNT
Monthly fee
€0.00
If funds are withdrawn from the Danske Benefit Account, no
interest is paid for the month in which the withdrawal was
made or the month in which the account was closed.
- Other cash withdrawals in ATMs
€2.00 + 2.5 %
(as of 1 April 2016 €2.00 + 3.0%)
Cash withdrawals from POS terminal
€0.30
(as of April 2016 five free-of-charge withdrawals a month
per account, additional withdrawals €0.30 each)
DANSKE HARVEST ACCOUNT
Includes 5 free-of-charge withdrawals/account transfers
per month
- Additional withdrawals/account transfers €2.00 each
CHANGES TO CARDS AND OTHER FEES
Change to card design
RETURN ACCOUNT (part of the basic Depositor Package)
Includes 2 free-of-charge withdrawals/account transfers
per month
- Additional withdrawals/account transfers €6.00 each
€10.00
(If ordered through personal service, as of 1 April 2016 €20.00)
Card renewal before the expiry date (e.g. change
of name, replacement of a damaged card)
€10.00
(If ordered through personal service, as of 1 April 2016 €20.00)
Reissuing of PIN
€5.00
(If ordered through personal service, as of 1 April 2016 €10.00)
Changing PIN
(requires card renewal)
€10.00
(If ordered through personal service, as of 1 April 2016 €20.00)
CARDS
Change to payment plan
€5.00
(If ordered through personal service, as of 1 April 2016 €10.00)
CREDIT CARDS
Annual fees (applies also to co-branded K-Plussa cards as
of 1 April 2016)
Annual fee for basic-level MasterCard
and Visa Credit/Debit and Credit cards,
2.5 %
of credit limit
minimum €60.00
- Parallel card
€20.00
MasterCard Gold Credit/Debit and Visa Gold
€90.00
- Parallel card
€40.00
MasterCard Platinum Credit/Debit
€180.00
- Parallel card
€60.00
Finnair Plus Visa
€60.00
- Parallel card
€15.00
Finnair Plus Visa Gold
€150.00
- Parallel card
€30.00
Change to credit limit
Invoicing fees
E-invoice
€2.00
Paper invoice
€3.50
MasterCard Credit card, previously
YkkösBonus MasterCard
€3.00
Tiliraha MasterCard
€4.00
Finnair Plus: Visa ja Visa Gold
€0.00
Cash withdrawal from a credit account
using eBanking or from an ATM
€2.00 + 2.5 %
(as of 1 April 2016 €2.00 + 3.0%)
Euro-denominated cash withdrawals
from an ATM
€2.00 + 2.0 %
(as of 1 April 2016 €2.00 + 3.0%)
Payment of invoice using payment envelope,
per invoice
€1.50
(as of 1 April 2016 €2.00)
Payment of invoice via personal service, per invoice
Account transfer at branch or via telephone
service
€5.00
Payment of invoice in cash at branch
€6.00
Payment of invoice as urgent payment
€12.00
(as of 1 April 2016 €15.00)
DEBIT CARDS
Monthly fee
€1.50
(as of 1 April 2016 €3.00)
- Customers under the age of 18
€0.00
Cash withdrawals
Euro-dominated cash withdrawals within the EU
(as of 1 April 2016 in all ATMs five free-of-charge
withdrawals a month per account,
additional withdrawals €0.60 each)
- From Otto. ATMs in Finland
- From other ATMs
€0.00
€0.60
€10.00
(If ordered through personal service, as of 1 April 2016 €20.00)
Surcharge for express delivery of a card
€10.00
(as of 1 April 2016 €20.00)
Reminder fee
€5.00
Exceeding the credit limit
€10.00
Copy of receipt of domestic transaction
€2.00
Copy of receipt of a transaction abroad
€5.00
Copy of an invoice
€2.00
Acquiring new contact information for a customer
€5.00
Finder’s reward
€10.00
Confiscation fee for a card that has been misused €150.00
PAYMENTS
Gift cheque
€3.00
Money remittance
Transfer to an account by phone or in a payment
envelope
Withdrawal at a branch
€2.50
€0.00
CASH
DEPOSITING CASH
(Funds collected by private individuals for savings purposes)
Using a deposit ATM or at calculating centre
Coins up to €100
Coins in excess of €100, % of value
Banknotes
€0.00
2.50 %
€0.00
Danske Bank Plc
Registered domicile and address Helsinki,
Hiililaiturinkuja 2, 00075 DANSKE BANK.
Business ID 1730744-7
3 (5)
Through personal service at a branch, deposits
to own account
Coins up to €10
Banknotes
€0.00
€0.00
WITHDRAWAL OF SORTED CASH AT A BRANCH
Order
€5.00
- of value of banknotes
0.50 %
- of value of coins
5.00 %
Delivery of separate security card abroad
Sent by post with acknowledgement of receipt
€7.00
(as of 1 April 2016 €10.00)
Sent by courier
€45.00
TELEPHONE SERVICES
ACCOUNT INFORMATION
Balance enquiry using ATM
€0.20
(as of 1 April 2016 €0.30)
Transaction enquiry using ATM
€0.50
(as of 1 April 2016 €0.75)
Balance or transaction enquiry through personal
€1.80
service
(as of 1 April 2016 €2.50)
Balance or transaction enquiry ordered
€0.25
as a text message, per message
(+ mobile call charge)
Agreed information sent as a text message,
per message
€0.25
Receipts / each
Receipt ordered upon payment
€1.80
(as of 1 April 2016 €2.50)
Receipt upon payment at branch
€0.00
Receipt ordered afterwards
€5.00
Balance or interest statement
(regarding a single account)
€5.00
Audit letter (regarding total banking)
€15.00
Account statement
Monthly
€0.00
Printed account statement for eBanking
customers
€1.00
More than once a month / each
€1.00
Account statement ordered afterwards / month
€5.00
Pledging of an account (e.g. as rental deposit)
€25.00
(as of 1 April 2016 €30.00)
Notices
Notice of insufficient account coverage
Overdraft fee
- Overdraft facility
Letter of notice about overdraft
Delivery of bank identifiers or separate PIN codes abroad
Sent by post with acknowledgement of receipt
€7.00
(as of 1 April 2016 €10.00)
Sent by courier
€45.00
€5.00
€10.00
€20.00
€5.00
Personal service
Using bank identifiers 0200 2590
Mon–Fri 9 am– 4 pm
local network charge/
mobile call charge
Automated service
Using bank identifiers 0200 2591
€0.06/min
24/7
+ local network charge/
mobile call charge
INTERNATIONAL PAYMENT SERVICES
FOREIGN CURRENCY
Purchase of banknotes
Order by eBanking
(collection at branch)
Other
Redemption
€2.50
€5.00
€5.00
PAYMENTS ABROAD
Account transfer abroad as a SEPA payment
- Euro-dominated account transfer in euro area
- Beneficiary’s account number in IBAN format
- BIC/SWIFT code for beneficiary’s bank provided
-R
emitter and beneficiary pay charges of their
respective banks
Account transfer abroad other than as a SEPA
payment
Account transfer to customer’s own account
within the Danske Bank group
€10.00
€0.00
(Finland, Denmark, Sweden, Norway, Ireland, Northern Ireland
and Luxemburg, plus London, Hamburg and Warsaw)
Urgent payment
€35.50
International cheque
€20.00
Bank sends the cheque by post to the principal or beneficiary
Charges for full-amount payments
€20.00
If the remitter pays also the beneficiary’s bank charges (payment
in full to the beneficiary), the payment is subject to a surcharge
BANK IDENTIFIERS
Monthly fee for bank identifiers
Renewal of bank identifiers or
separate PIN codes
Sent by post
€0.00
€0.00
(as of 1 April 2016 €3.00)
€10.00
€7.00
(as of 1 April 2016 €10.00)
New security card to replace spent one
(sent by post automatically)
Danske Bank guarantees the delivery of the payment in full only as far as the
correspondent bank. If the correspondent bank forwards the payment further,
the transmitting bank or beneficiary’s bank may deduct its expenses from the
amount paid to the beneficiary.
Additional fee for transfers to EU/EEA
countries if no IBAN provided
€10.00
€0.00
New security card to replace a lost one
€10.00
Sent by post
€7.00
(as of 1 April 2016 €10.00)
Danske Bank Plc
Registered domicile and address Helsinki,
Hiililaiturinkuja 2, 00075 DANSKE BANK.
Business ID 1730744-7
4 (5)
Cancellation of payment
Cancellation of an unprocessed payment
Cancellation of a processed payment
Payment blockage sent to a foreign bank upon
request by a party other than the bank, per
cheque
€10.00
€35.00
€0.00
(see rules for SEPA payments under Payments abroad)
Other incoming payment from abroad
Cheque in euros
To be paid in euro area
Drawn on Danske Bank
Drawn on other bank in Finland
€6.00
- plus foreign bank fees and possible courier expenses
min. €5.00
€15.00
CLARIFICATION WORK
Reports or services not shown in the price list and requested
by the customer, such as clarifying previous transactions,
shall be charged according to the actual work cost but no
less than €100.00 for each full hour or part thereof.
0.30 % or
min. €13.00
NOTES
0.30 % or
min. €13.00
€13.00
0.20 % or
min. 13.00 €
For cheques in currencies other than that of the paying country, any foreign
bank fees shall be charged later.
Cheque taken on collection basis
€0.00
€35.00
PAYMENTS FROM ABROAD
Incoming SEPA payment
Encashment of cheques
Cheque in foreign currency
Account statement
Account statement or account statement
duplicate drawn up separately, per page
Balance or interest statement drawn up
separately
0.20 % or
min. €45.00
max. €350.00
Cheque returned unpaid
€35.00
- plus any other possible expenses, e.g. foreign bank fees
Traveller’s cheques / each
- minimum per charge
€1.00
€5.00
Payment default or other breach of contract shall be subject
to costs that are the responsibility of the debtor. Such costs
may include, for example, legal costs, collection agency expenses and fees charged by the enforcement authority. The
amount of these costs are subject to existing legislation and
the valid price lists of the service providers.
Kiinteistömaailma and Danske Bank pay each other a commission for customer guidance cooperation ranging from
€10 to €50 per case.
These prices are the valid minimum rates that the bank is
entitled to change. If the work costs arising from a customer’s request exceed these rates, the actual work costs shall
be charged. The bank is entitled to debit charges and fees
from the customer’s account.
RECEIPTS, VOUCHERS AND NOTIFICATIONS FOR
FOREIGN PAYMENTS
Receipt, voucher or copy of a voucher / each
€2.00
Postage inside Finland
€2.50
Postage abroad: actual costs
Notification of uncovered assignment sent by
post
€2.50
Queries and amendments
€20.00
FOREIGN CURRENCY ACCOUNT
Foreign currency deposit
In cash at branch to a foreign currency account
with Danske Bank
€0.00
The bank purchases banknotes at the purchase exchange rate
for banknotes and credits the foreign currency account according to the average rate.
Foreign currency withdrawal at branch
The bank debits the foreign currency account according
to the average rate and sells the banknotes at the selling
exchange rate for banknotes.
Account transfer
As a domestic payment at branch or via
telephone service
€3.50
(as of 1 April 2016 €30.00)
As a foreign payment, see Payments abroad
Danske Bank Plc
Registered domicile and address Helsinki,
Hiililaiturinkuja 2, 00075 DANSKE BANK.
Business ID 1730744-7
5 (5)
Discontinued services
ACCOUNTS (off sale)
RESERVE ACCOUNT (off sale)
Includes 2 free-of-charge withdrawals/account transfers
per calendar year
- Additional withdrawals/account transfers €6.00 each
DEPOSIT ACCOUNT (off sale)
Includes 4 withdrawals per calendar year
- Additional withdrawals/account transfers
YOUTH PACKAGE (off sale)
Monthly fee
Customers under the age of 28
Customers over the age of 28
(monthly fee)
- Discounts as per Basic Package
ECONOMY PACKAGE (off sale)
Monthly fee
€6.00 each
eDEPOSIT ACCOUNT (off sale)
Includes 2 free-of-charge account transfers per calendar
year using eBanking
- Additional withdrawals/account transfers €6.00 each
SMART ACCOUNT (off sale)
No service fees, but if a withdrawal is made from the account
or the account is closed, the interest rate for that month shall
be half the base rate of the European Central Bank.
CUSTOMER PACKAGE (off sale)
EXTENDED PACKAGE (off sale)
Monthly fee
Basic fee
€6.40
Discount if savings and investments amount to at least*
€10 000
€1.00
€50 000
€2.90
BASIC PACKAGE (off sale)
Monthly fee
Basic fee
€6.40
Discount if savings and investments amount to at least*
€10 000
€2.00
€50 000
€4.90
CURRENT ACCOUNT PACKAGE (off sale)
Monthly fee
Basic fee
€6.40
Discount if savings and investments amount to at least*
€10 000
€2.00
€50 000
€4.40
Customers under the age of 26
(young persons benefit 100% )
€0.00
€0.00
€6.40
€6.40
All packages include:
- Current account
- Bank identifiers: access to eBanking,
Mobile Bank and Telephone Services
- eBanking archive
- Card purchases and online payments
- Invoice payments using eBanking and automated
payment service
- Cash withdrawals from Otto. ATMs and at branches
- Account statement (sent to eBanking archive for
eBanking customers)
Extended Package also includes:
- MasterCard Gold Credit/Debit combination card
- Visa Gold credit card
- Travel insurance associated with the cards
- Debit MasterCard
- Overdraft facility without establishment fee up to €1 000
- Currency exchange orders using eBanking or at branch
- Reserve account with more favourable credit interest rate
(12-month Euribor -0.80%, min. 0.5%)
- 25% discount on subscription fees for most popular funds
Basic package also includes:
- Debit MasterCard
- Visa credit card
- Overdraft facility without establishment fee up to €500
Youth package also includes:
- MasterCard Credit/Debit combination card
- Visa credit card
- Visa Electron card
- Debit MasterCard
- Overdraft facility without establishment fee up to €200
- Currency exchange orders using eBanking or at branch
Economy package also includes:
- Visa Electron card
*Savings and investments taken into consideration:
1) Euro-denominated deposits held at Danske Bank
2) The market value of fund shares managed by Danske Invest Fund Management Ltd
3) The market value of Mandatum Life Insurance Company Ltd’s investment
and pension insurance policies ordered through Danske Bank
4) The residual book value of bonds held in custody accounts at Danske Bank
5) The market value of securities held in custody accounts at Danske Bank
Discounts are based on the lowest total of the month. If a customer package is
prepared for two persons jointly, the price of the package is determined according to the total savings and investments of the holder of the main account.
Danske Bank Plc
Registered domicile and address Helsinki,
Hiililaiturinkuja 2, 00075 DANSKE BANK.
Business ID 1730744-7