Reseller Capital Guarantee
The reseller promises to pay back everything you put in, so your money doesn't depend on Danske Bank alone. That promise is theirs, backed by their own money rather than by a government scheme.
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Fixed-Rate Bond · Europe
Danske Bank
Danske Bank Senior Bond (Non-Preferred)
Top rate in Europe
Online exclusive
5.25%
per year
- Minimum
- €100,000.00
- To Maturity
- 62 months
- Protection
- Reseller Capital Guarantee
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What €100,000.00 Earns You
At 5.25% a year over 5 years. Take the interest every six months or once a year, or leave it in to compound.
| You Invest | €100,000.00 |
|---|---|
| Paid Every Six Months | €2,625.00 |
| Total Earnings | €26,250.00 |
| Back at Maturity | €102,625.00 |
Each €2,625.00 interest payment is paid to you directly, and €26,250.00 is what they add up to over the term. The figure at maturity is your initial investment of €100,000.00 paid back plus your final interest payment.
| You Invest | €100,000.00 |
|---|---|
| Paid Once a Year | €5,250.00 |
| Total Earnings | €26,250.00 |
| Back at Maturity | €105,250.00 |
Each €5,250.00 interest payment is paid to you directly, and €26,250.00 is what they add up to over the term. The figure at maturity is your initial investment of €100,000.00 paid back plus your final interest payment.
| You Invest | €100,000.00 |
|---|---|
| Total Earnings | €29,154.79 |
| Back at Maturity | €129,154.79 |
No interest is paid out to you during the investment period, so your final return will include your initial investment of €100,000.00 plus €29,154.79 interest.
Where You Stand
Annual Fixed-Price Buy-Back
Once a year you can sell it back at a price agreed in advance. You are not locked in until maturity, and you do not have to take whatever the market happens to be paying that day.
What You're Buying
Underneath, this is a loan to Danske Bank. Its price rises and falls until it matures, and no deposit guarantee scheme covers it. The guarantee above is what stands behind your money.
Product Details
- Type
- Fixed-Rate Bond
- Matures
- Oct 4, 2031
- Time to Maturity
- 62 months
- How Interest Is Paid
- Every six months Once a year Left to compound
- Minimum
- €100,000.00
- Protection
- Reseller Capital Guarantee
- Coverage
- Full investment value
- Region
- Europe
Eligibility & Details
- Online exclusive.
- Senior non-preferred bond issued by Danske Bank A/S under ISIN XS3087262583.
- Coupon fixed at 5.250% a year.
- Its senior non-preferred debt is rated A3 by Moody's, A- by S&P Global, A+ by Fitch and A+ by Scope, investment grade with every one of them.
- Scope Ratings upgraded its issuer rating to AA- with a stable outlook in February 2026.
- At the end of 2025 it held loss-absorbing capital comfortably above its regulatory requirement.
Happy Saver is a comparison site, not a financial adviser. Figures use a €100,000.00 example at 5.25% over 5 years, compounded annually where shown. Bond prices move before maturity, so selling early can return less than you put in. Confirm all terms with Danske Bank before you commit.
5.25%
to maturity
Check availability