Basic banking services
Basic banking services ensure that everyone has a possibility to manage their day-to-day banking.
Who is entitled to basic banking services?
Danske Bank offers basic banking services on an equal and non-discriminatory basis to all individuals who are legally resident in the European Economic Area (EEA).
You can also apply for basic banking services if you live in Finland and have applied for, for example, asylum, temporary protection, or another type of residence permit, but your application is still being processed.
A Finnish personal identity code is not required to open basic banking services. Please note that there are separate requirements for issuing online bank identifiers.
When you bank with us, we will need your ID for identification. Read more about the documents you can use to verify your identity.
What do basic banking services include?
- A Danske account – an everyday current account to manage day-to-day money matters.
- Bank identifiers for online banking and e-identification purposes.
- Mastercard Debit card for everyday payment transactions.
Processing time for basic banking services
Requests to open basic banking services will be processed as soon as possible. The processing time is a maximum of ten business days and begins once we have received your request and all the documents required to open the services.
We will inform you of our decision as soon as we have made it.
If we are unable to open basic banking services for you
If we are unable to open basic banking services for you, we will send you a written decision by post.
Request for a review and complaint
If you are not satisfied with our decision, you may contact the Financial Supervisory Authority or the Consumer Ombudsman. In the event of a dispute, you may contact the Consumer Disputes Board or the Banking Complaints Board at the Finnish Financial Ombudsman Bureau (FINE).
Agreement terms and conditions and prices
Termination and cancellation of the agreement
Termination of the basic banking services agreement
We may terminate the basic payment account agreement only if:
- there have been no transactions on your account over a period of 24 consecutive months, or
- you are no longer legally resident in an EEA country
We will notify you of the termination of the account in writing and free of charge at least two months before the termination enters into force.
Cancellation of the basic banking services agreement
We may cancel the agreement with immediate effect only if:
- you have wilfully used the account for an unlawful purpose, or
- you have provided incorrect information or failed to provide information, and the correct information would have resulted in your application being rejected in the first place
If we terminate or cancel the agreement, we will also tell you how you can file a complaint and who you can contact if necessary.
Need help?
Our customer service is pleased to help you with any questions you may have about basic banking services.
Provisions on basic banking services are laid down in the Act on Credit Institutions (610/2014). Further information on basic banking services is also available on the website of the Financial Supervisory Authority.
