Nordic bank innovation through the years
For the first time in Denmark, we offer overdraft facilities.
First safe deposit boxes in Europe
As the first bank in Europe, we introduce safe deposit boxes at our facilities in Copenhagen, Denmark.
Introducing the piggy bank to the DanesThe bank introduces the piggy bank – an entirely new, American concept – in the Danish market. A messenger from the bank comes by the customer’s home once a month to collect the savings.
Easy money transportingAs the first Danish bank, we begin to use cars for transporting cash to and from our branches.
Modern banking in FinlandThe postal giro payment system is introduced. It is the first modern banking system in Finland, and it makes daily banking significantly easier for local businesses.
Faster customer serviceCustomers are served faster and easier with the introduction of a new customer service system at the Danish branches.
Banking transactions on computers
As the first company in Finland, the bank starts using one of the earliest IBM computers for its banking transactions.
Introducing Pondus piggy banksThe bank is the first to launch a savings account concept for children in Denmark. The penguin Pondus becomes its mascot and our customers’ children can get a Pondus piggy bank for their savings. Within six months, 300,000 children own a Pondus.
Introducing ATMs in FinlandIn Finland, we introduce banking terminals – ATMs – to help customers make daily banking easy. In 1988, there are 2,600 terminals in place across Finland.
Bank account structure with lasting impact on banking in Norway
We are the first bank in Norway to introduce a completely new bank account system with just three different account types – a more simple and transparent solution than other current offers. Especially the savings account is revolutionary with high interest rates, no notice period and no interest rate reductions on withdrawals. The new structure has a lasting impact on the Norwegian banking system.
First payment terminals
The Bank is the first bank to test payment terminals in Norwegian shops.
High-interest checking account with a growing interest rate
The first high-interest checking account in Finland is introduced. The rate of interest increases with amounts deposited and interest accrues on a daily basis.
Introducing eBankingWe launch the first eBanking solution for personal customers in Norway allowing people to do their banking at home. Three years later, we are also the first to introduce eBanking for businesses in Norway.
Online share tradingDanske Bank’s customers are among the first in Denmark to be able to buy and sell securities on the stock exchange through online banking.
Innovative online bankingWe introduce a new and more secure online banking system in Finland. For the first time, customers can pay their bills entirely online.
The following year, customers make more transactions online than at branches.
First mobile banking in the worldAs the first bank in the world, we make banking services available on mobile phones in Finland. We are tapping into the new WAP technology that can connect to the online banking system.
First with mobile banking on smartphonesAs the first bank in Denmark and Finland, Danske Bank launches mobile banking apps for iPhone and Android smartphones.
Tablet bank for iPadTablet banking for iPad is the first of its kind in Denmark. It offers the same user experience as mobile banking, while it is specifically tailored to the device. In 2012, we launch tablet banking in Norway, Sweden and Finland. In Finland, we are also the first bank to offer this solution.
Revolutionising mobile paymentsDanske Bank launches MobilePay in Denmark and Finland. It is the first app on both markets to offer mobile payments. At first, the app offers payments between individuals, but later the solution opens up for businesses to accept MobilePay as means of payment in web shops, at points of sales and for invoices.
Online solution for small businessesWe introduce the online service DynamicPay in the Danish market. The solution is made to help small businesses improve their cash flows and enable them to take in new orders, contributing to growth and job creation in society.
Flexible home loansWe introduce a range of unique home loans in Finland designed to suit our customers in various life situations. The new loans offer different levels of financial flexibility and security.
Robot makes investing available to everyoneJune makes it possible for everyone to make professional investments without knowing all there is to know about shares and bonds. It is easy for the June algorithm to determine which June fund that best matches the financial position of a customer.
Easier to share expensesWe launch the WeShare app that makes it easy to keep track of plans and expenses when more people are travelling together, having a party, sharing a flat, and the like.
Keep track of pocket money – digitallyOur digital pocket money solution helps both parents and children aged 8-14 years keep track of the children’s money. The solution consists of an app and a pocket money card for the children as well as a feature in Danske Mobile Banking for the parents.
View accounts with other banksIn 2018, the PSD2 directive is implemented in Denmark, providing brand new possibilities of creating a better digital experience for customers. For example, thanks to its partnership with Spiir, Danske Bank can offer its customers a feature that allows them to view their accounts with other banks directly in Danske Mobile Banking.
This is known as “open banking” and means that, subject to giving their consent, customers can, for example, use financial services from other providers through Danske Mobile Banking. Or the other way around: Use the apps of other providers to access data at Danske Bank.
Keep track of your subscriptionsSubscription Manager, which makes it easy to keep track of payment agreements and subscriptions and, with a few taps, to cancel agreements, is launched in Danske Mobile Banking.
First with payments from accounts with other banksDanske Bank is the first to introduce a new mobile solution that allows personal customers to use Danske Mobile Banking to transfer funds from payment accounts they hold with banks other than Danske Bank. In 2020, the satisfaction with Danske Mobile Banking can be seen in the fact that customers score it on average to 4.3 stars out of 5 in App Store.
Improved overview for businesses
Creating an overview of a business’s finances can be both complex and time consuming, particularly if doing so requires sourcing data from different systems and providers.
With District, Danske Bank’s digital financial platform, business customers get a full overview of their accounts, transactions, liquidity and other financial tasks – across providers and systems and on a single platform that can be tailored to suit the individual needs of the business and user. And with District, a business’s data is well protected.
District enables the individual business to create a better overview, manage its day-to-day banking activities – and save time, allowing it to focus on its core business.