Danske Bank

Universal bank · Copenhagen, Denmark

Danske Bank is Denmark's largest bank and a full-service business bank in Denmark, Sweden, Norway, Finland and Northern Ireland. Danish business packages cost 139 to 299 kroner per month plus a 1,500 kroner set-up fee, and the Northern Ireland arm offers a Small Business current account for companies with turnover up to 1 million pounds. The bank pleaded guilty in the United States in December 2022 and paid 2 billion dollars over its Estonian branch; its three-year US probation ran out on 13 December 2025 and the bank says every formal process over that portfolio is now finished. It runs nothing in the Baltic states or Russia. In February 2026 it began offering Bitcoin and Ether ETPs to investors and joined a nine-bank euro stablecoin consortium.

Legal name: Danske Bank A/S
Regulated by: Danish Financial Supervisory Authority (Finanstilsynet), PRA and FCA (Danske Bank UK, Northern Ireland), Finansinspektionen (Sweden), Finanstilsynet (Norway), FIN-FSA (Finland)
Licence confirmed: yes, on a regulator's own list
Established: 1871
Website: danskebank.com

Scores, 0 to 10

8.5Financial strength & stability

Rated A1, A+ and AA with a CET1 ratio of 17 percent at Q2 2026, and the three-year US probation from the Estonia case ran out on 13 December 2025, which the bank says closes every formal process over that portfolio. · source

7.0Europe (EU, EEA, Switzerland)

Full-service in Denmark plus banks in Sweden, Norway and Finland; no presence in other EU markets after the 2019 Baltic exit. · source

7.0Customer satisfaction

Trustpilot 4.4 out of 5 from 28,368 reviews on the Danish profile danskebank.dk. · source

6.5United Kingdom

UK-authorised bank in Northern Ireland with business current accounts, but no branch network in Great Britain. · source

6.5Cross-border payments, FX and multi-currency accounts

Covers Danish, Swedish, Norwegian kroner, euro and sterling natively; international margins are not published. Nordic-oriented large corporate segment cited by Moody's; cash management across five markets, not global. · source

6.5Business cards (Visa, Mastercard)

Danske Business One at 139 kroner a month includes one Mastercard Business Debit, and the Plus and Pro packages add discounts on Corporate Classic and Corporate Gold credit cards; no virtual cards are listed. · source

6.0Trade, manufacturing & import-export

Trade finance offered for Nordic exporters; the international network is limited to five markets. · source

5.5On-ramp: buy crypto with fiat

An August 2026 hands-on guide reports that Danske has not blocked payments to exchanges, allows debit and credit card crypto purchases, and that a test euro transfer to a MiCA-authorised exchange cleared without a hold, but this is personal-account evidence and no business policy is published. · source

5.0Fast digital onboarding

Danish companies apply online via the bliv-kunde flow; complex cases get individual pricing and review. · source

5.0Fintech companies that need a partner bank

No published safeguarding or EMI programme; fintech relationships are case by case. · source

5.0Online businesses: e-commerce and SaaS

Business packages include cards and online banking; acquiring is through third parties. The packages include integration between the netbank and accounting systems and currency accounts can be ordered in District, but there is no API-first offer, no USD receiving account for non-Danish companies and no revenue-based financing. · source

5.0Off-ramp: crypto to fiat in a business account

The same 2026 guide says money returning from an exchange is treated like any investment deposit, subject to anti-money-laundering checks; Danske publishes no business process for crypto proceeds, so evidence is thin. · source

4.5Lowest fees

1,500 kroner set-up fee plus 139 to 299 kroner per month for business packages. · source

4.5Startups & VC-backed companies

Startups pay the same 1,500 kroner set-up fee and monthly package as other SMEs. · source

3.5Crypto-friendly bank

Offers Bitcoin and Ether ETPs to investors from February 2026 after an eight-year ban; no onboarding policy for crypto firms. · source

3.5Best interest on business balances

The business account page prices packages by monthly fee and lists no yield on operating balances. · source

3.5Foreign-owned & non-resident companies

Opening requires a Danish CVR number and identification of beneficial owners, and the page offers no route for companies registered outside Denmark. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

Danske's published position statements cover climate, arms, forestry and similar themes with none on gambling, adult, cannabis or forex clients, so acceptance is unstated. · source

3.5Bitcoin

Since 11 February 2026 execution-only users of Danske eBanking and Mobile Banking can buy bitcoin ETPs from recognised issuers, which is price exposure without coins, custody or transfers. · source

3.5Ethereum

The same February 2026 launch added ether ETPs on the trading platform, price exposure only, with no ether custody, staking or transfers. · source

2.5Stablecoins (USDC, USDT and others)

Danske Bank co-founded Qivalis, the bank consortium that by May 2026 had 37 members and plans a MiCA euro stablecoin once the Dutch central bank grants its licence; nothing is live for Danske clients yet. · source

1.0Crypto wallet and custody for a business

Danske Bank holds no crypto for any client: its February 2026 release says the new ETPs exist so customers need no digital wallet, and business banking has no custody, checked September 2026. · source

1.0Accept crypto payments

No crypto or stablecoin acceptance for merchants was found in Danske Bank's releases or business pages; its crypto move is limited to ETPs and the planned Qivalis euro stablecoin, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.