Danske Bank A/S, Finland Branch

Danske Bank A/S, Finland Branch is the Finnish branch of Danske Bank A/S (Denmark), operating in Finland under the EU single passport regime; it is authorised and prudentially supervised by the Danish Financial Supervisory Authority, with host-country conduct oversight by the Finnish Financial Supervisory Authority. The group entered the Finnish market via the acquisition of Sampo Bank in 2007 and later rebranded the Finnish operations under the Danske name. The branch offers retail and corporate services including euro current and savings accounts, payment cards, online and mobile banking with strong customer authentication, domestic and SEPA payments, international transfers, mortgages and consumer credit typically referenced to Euribor plus a margin, investment and brokerage services subject to MiFID II, and for businesses, cash management, liquidity solutions, trade finance, and foreign exchange. Deposits at the Finland Branch are covered by Denmark’s deposit guarantee scheme (the Danish Guarantee Fund for Depositors and Investors) up to EUR 100,000 per depositor in line with the EU Deposit Guarantee Schemes Directive; investment products and market-linked instruments are generally not covered. Accounts in Finland typically use FI-format IBANs and the Finnish BIC for the bank is DABAFIHH; fees, cut-off times, and FX mark-ups vary by product and channel and are set out in the bank’s tariff. The physical branch footprint is limited and service is primarily delivered through digital channels and appointment-based advisory, with customer support generally available in Finnish, Swedish, and English; onboarding and product access are subject to KYC/AML requirements and may be restricted for non-residents or certain entity types. As a branch, it shares the credit profile, risk management, and resolution framework of Danske Bank A/S, and any external credit ratings refer to the parent and may change. The Danske Bank group has been subject to regulatory and legal actions in other jurisdictions in recent years, including anti-money-laundering investigations, which may be relevant to risk assessments at the group level; customers should review the latest disclosures, fee schedules, interest rates, supported payment schemes (including any instant payment capability), and complaint-handling procedures (including options via the Finnish Financial Ombudsman Bureau) on official sources.