As an Akava member you can access building blocks of financial peace of mind at a lower cost than non-members
Although money or wealth does not automatically bring happiness, it does provide financial peace of mind and financial independence, especially in times of uncertainty. This makes it important to continuously build up your savings and investments even while repaying your housing loan. Take advantage of all your benefits!
Housing loan benefits Harvest account Investor benefits Benefit loan Recent graduate benefits Students' benefits
Housing loan benefits
Danske Bank housing loan without delivery and origination fees for union members, which, for example, means that you save €1,200 on a loan of €200,000.
- Lower margin than with no union membership
- No delivery or origination fees
- Instalment-free periods of 4-12 months without delivery charges – you save €200 each time
- Payment programme with instalment levels that suit your life
- Up to 50% cheaper daily banking services
- 40% increase in loan protection insurance compensation in compensation events
The normal delivery and origination fee for a housing loan is 0.60% of the loan capital, subject to a minimum of €300. This is not an offer from the bank. Loan terms and conditions are agreed personally. The minimum margins in force are taken into account in loan pricing. Your loan quote will show the price with and without union membership. Eligibility for a loan, credit card and instalment-free periods requires a positive credit decision. Danske Bank checks the customer’s credit report with Suomen Asiakastieto Oy and the Positive credit register when making the credit decision. By drawing down the loan, you commit to repaying it according to the agreed repayment schedule.
Example housing loan: If the customer takes a housing loan of €170 000 where the loan term is 25 years and the reference rate for the loan is the 12-month Euribor, the total interest rate of the loan would be 2.657% (2.776% Average Percentage Rate calculated according to the Consumer Protection Act). The total amount of the credit and other credit expenses is €235,693.53, including the origination fee of €1,020 and an automatic account debiting charge of €2.70/payment. The number of payments is 300. The monthly instalment would be €782.25, including also the automatic account debiting charge of €2.7/payment. The example has been calculated based on interest information valid on 02.06.2025.
Danske Harvest Account
– Rewarding and flexible account saving for Akava members
3-month Euribor - 0.9 % interest on your savings from the very first euro.
You can open a Harvest Account in the Mobile Bank, go to Accounts > +.
Investment services benefits
- Free fund and equity custody (domestic and international). Benefit applies to Danske Trade Online and equity savings account – you save up to €4/month
- Brokerage fees starting automatically at price level 2 (0.12%, min. €5), also applies to equity savings accounts
- Banking IDs and an account for your investments for €0/month (normal price without other transactions €5.50/month)
- Free Real-Time service for investors – you save €1.95/month
- Analysis service for investors free for 3 months, after which at a 50% discount on the monthly price (normal price €8.95/month)
- 15% discount on asset management and advice fees
Additional benefit of services of legal specialist in family law for business customers who invest: free assessment appointment and €100 benefit on assignments to draw up family law documents in conjunction with signing up for one of the above service packages.
Eligibility for the benefits requires a valid investment service agreement for Danske Trade, Danske Advice or Danske Asset Management. If the agreement ends, the fees and terms and conditions in accordance with the service price list valid at any given time apply. Other services are subject to a fee in accordance with the service price list valid at the time.
Read more about Trade Online Read more about Danske Advice
If you already invest with Danske Bank, you can access the benefits by sending us a message in Mobile Bank or eBanking.
Student benefits
- Danske Silver daily service package without a monthly charge
- Mastercard Gold combination card without an annual charge
- Withdrawal of the student loan without origination fees and at a margin of 0% for 5 years
- €30 benefit on a new Regular Saving agreement
- First 5 equity trades without brokerage fees when you open an equity savings account
- 3-month Euribor -0.9% on your Harvest Account savings from the very first euro
- Free pledge of rent security account
Benefits for recent graduates
- Danske Platinum Plus - daily banking service package without a monthly charge
- Mastercard Platinum credit card without an annual charge.
The card’s Priority Pass feature gives you four free airport lounge visits a year - Benefit loan without an opening fee – you save €90
- You also have access to housing loan, savings and investment benefits
Benefits to recent graduates are offered to Akava members two years after graduation for at least five years. The value of the benefits depends on the benefits signed up to.
Eligibility for a credit card and loan requires a positive a positive credit decision. Danske Bank checks the customer’s credit report with Suomen Asiakastieto Oy and the Positive credit register when making the credit decision.
Eligibility for a credit card and loan requires a positive a positive credit decision. Danske Bank checks the customer’s credit report with Suomen Asiakastieto Oy and the Positive credit register when making the credit decision.
You can save as much as €750 a year on your banking services
Example calculation of benefits when you are a recent graduate over 27 years old, your transactions with the bank are between €10,000 and €49,999 per year, your credit card credit limit is €4,000, you make investments 12 times a year and you take out a housing loan of €50,000: benefit on Danske Platinum Plus daily banking service package €4.80/month = €57.60; benefit on Mastercard Platinum credit card annual fee €76; benefit on Priority Pass 1st year basic level and 2 visits €209/year; benefit on investments (2 + 5 + 1.95) x 12 = €107.40; benefit on housing loan origination fee €300; = total of €750 (calculation based on situation at 23 August 2023)
Contact us and find out more about the benefits:
0200 2590 Mon–Fri 8–16 (local network charge/mobile call charge)
Benefit loan – unsecured loan for higher education graduates
- Amount of loan: €5,000 - €25,000
- Loan period: 1-5 years
- Marginal: 4.90% (norm. from 7%)
- Invoicing fee: €5
- Opening fee: €90
Information about Benefit loan:
The interest rate on the loan is linked to the 12-month Euribor reference rate + 4.90 percentage points. The product is a one-time loan from Danske Bank.
Example: If you take out a €5,000 loan where the loan term is 5 years and the loan reference rate is the 12-month Euribor, the total interest rate on the loan would be 6.957% (10.231% Average Percentage Rate calculated according to the Consumer Protection Act). The total amount of the credit and other expenses is €6,339.25, including the opening fee of €90, an automatic account debiting charge of €5.00/payment and the number of payments is 60. (Information based on situation at 02.06.2025).
The estimated total amount of credit payable on the loan and the annual percentage rate of charge have been calculated on the assumption that the credit period is five years and the credit is immediately fully drawn, the interest rate and service fees remain the same throughout the credit period, and the credit is repaid in 60 instalments of the same amount every month. The calculation takes into account the costs related to the setting up, withdrawing and contractual recovery of the credit.
The Benefit loan is intended for all our customers who have a higher education and does not require Akava membership. This loan offer is not binding on the customer or the bank. Eligibility for the loan requires a positive credit decision. Danske Bank checks the customer’s credit report with Suomen Asiakastieto Oy and the Positive credit register when making the credit decision.
Find out whether you are eligible for the benefits
Akava Member unions, which have concluded the cooperation agreement: Academic Engineers and Architects in Finland – TEK, Akava Special Branches, Akava´s General Group, Association of Finnish Lawyers, Finnish Association of Academic Agronomists, Finnish Association of Architects, Finnish Association of Occupational Health Nurses, Finnish Association of Rehabilitation Professionals, Finnish Association of Speech Therapists, Finnish Dental Association, Finnish Police Federation, Finnish Officers Union, Finnish Pharmacists´ Association, Finnish Psychological Association, Finnish Union of Church Youth Workers, Finnish Union of University Researchers and Teachers, Finnish Union of University Professors, Finnish Union of Public Health Nurses, Finnish Veterinary Association, Health Science Academic Leaders and Experts, Institute Officers Union of the Finnish Defence Forces and the Border Guard Sales and Marketing Professionals, Social Science Professionals, Suomen Ekonomit (Finnish Business School Graduates), Trade Union of Education in Finland, Union of Church Professionals AKI Union of Diaconal Workers in Finland, Union of Municipal Technical Professionals, KTK, Union of Professional Business Graduates in Finland TRAL, Union of Professional Engineers in Finland, Union of Professional Social Workers, Union of Professionals in Natural, Environmental and Forestry Sciences Loimu, Union of Swedish-speaking Engineers in Finland and YTY – Association for Managers and Professionals
If you have any questions about the list, please contact your union directly.
