Danske Bank benefits

Valuable benefits on housing loan and investments and additional benefits for recent graduates.

 

Take advantage of your tangible benefits in a mortgage

As a member of Tradenomit, you can get a Danske Bank mortgage without a processing fee or arrangement fee, saving you €1,200 on a loan of €200,000. In addition, you will receive a lower margin and interest-free deferrals.

Benefits for members:

• Lower margin
• No processing fee or arrangement fee
• Interest-free deferrals (4-12 months)
• Stepped payment plan
• Cheaper everyday services

The standard processing fee and arrangement fee for a mortgage is 0.60% of the loan amount, but not less than €300. This is not an offer from the bank. The terms of the loan are agreed upon individually. When pricing the loan, the applicable minimum margins are taken into account. In your loan offer, you will see the price for both as a member of the union and without membership. The granting of a loan, credit card, and interest-free deferrals always requires a favorable credit decision. Danske Bank checks the customer's personal credit information from Suomen Asiakastieto Oy in order to make a credit decision.

Example of a mortgage: If a customer takes a €170,000 mortgage with a loan term of 25 years and the loan reference rate is 12-month Euribor, the total interest rate of the loan would be 4.814% (the actual annual interest rate calculated according to the Consumer Protection Act is 5.012%). The total amount of the loan and other credit costs is €296,580.82, including the arrangement fee of €1,020 and the automatic account debit fee of €2.70/payment. The number of payments is 300. The example was calculated using interest rates as of August 1, 2023.

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Harvest Account – Interest-bearing deposit account for Akava members only

Now you can get a competitive interest rate on your buffer savings – open the flexible Danske Harvest Account!

• By putting aside a small amount, you are better prepared for unexpected expenses.
• Interest is paid on savings on the account at a rate of 3-month Euribor - 0.9 % from the first euro.
• Open a Harvest Account in the mobile banking app under Accounts and +.

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Investment Benefits - Find Your Own Way to Invest

• Free stock custody in Finland and abroad, including on an investment account - save 2 euros/month
• Brokerage fees automatically starting from tier 2 (0.12%, min. 5 euros), also on an investment account
• Investor's Real-Time Service free of charge - save 1.95 euros/month
• Investor's Analysis Service for 3 months, then 50% off the monthly price (normal price 8.95 euros/month)
• 15% discount on asset management and advisory fees

In addition, for investing business customers, an advantage for legal family law expert services: A free mapping meeting for someone who has taken advantage of one of the above service packages and a benefit worth 100 euros for family law documents to be made on behalf of the order.

The validity of the benefits requires a valid investment service agreement with Danske Trading, Danske Investment Advice, or Danske Asset Management. If the agreement expires, the fees and terms of the service price list in force at the time will be applied. Other services are charged according to the fee in the service price list in force at the time.

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Benefits for Newly Graduated BBAS

• Danske Platinum Plus daily banking package with no monthly fee
• Mastercard Platinum credit card with no annual fee
• With the card's Priority Pass feature, you get 4 free airport lounge visits per year
• Early loan without opening fee – save 90 euros
• You also have access to benefits for home loans, savings, and investments

The benefits for newly graduated Tradenomis are offered to members of the Akava Confederation of Unions for at least two years after graduation. The value of the benefits depends on the benefits you use. Credit card and loan approval always requires a positive credit decision. In order to make a credit decision, Danske Bank will check the customer's personal credit information from Suomen Asiakastieto Oy.

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