Danske Bank large transfers and transfer limits in the UK (2026)

Sending a large payment? You might be paying the deposit for your first home, paying the builders for work on your kitchen extension, or perhaps even transferring an inheritance between your own accounts.

Whatever your situation, you’ll need to know how to transfer large sums securely and conveniently in the UK - without racking up huge fees.

In this guide, we’ll be looking at how to transfer large amounts of money with Danske Bank. This includes fees, limits, transfer times, security and more.

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Table of contents

Can you send large transfers with Danske Bank in the UK? Danske Bank transfer limits (UK) What’s the maximum amount you can send with Danske Bank? Can you send multiple large transfers per day? How to transfer large amounts with Danske Bank (UK): Step-by-step process Is Danske Bank safe for large transfers? How long do large transfers take with Danske Bank? Danske Bank large amount transfer fees and costs Wise – A low-cost alternative for international transfers Key takeaways

Can you send large transfers with Danske Bank in the UK?

Yes, Danske Bank lets you transfer large amounts, but how much you can send depends on the payment method.

The first option is Faster Payments, which lets you send up to £10,000 via the Danske Bank mobile app and up to £25,000 via online banking. If you visit a branch, you can send up to £100,000.¹

Faster Payments is what most UK banks use to send payments between UK accounts, with most payments arriving instantly.

If you need to send a larger payment than this, you can use CHAPS. This stands for Clearing House Automated Payment System, and it’s specially designed for making fast, secure large transfers. There’s typically no minimum or maximum for CHAPS transfers.

UK banks and building societies usually have a fee for CHAPS payments, and with Danske Bank they can only be set up in branch.¹

Danske Bank also lets you use online banking to make international payments, but these are limited to £25,000 per day¹ and may also involve some money transfer fees. You may be able to arrange larger foreign payments by visiting a branch.

Danske Bank transfer limits (UK)

Here’s a quick look each of the transfer methods available with Danske Bank and the maximum sending limit for each:

Transfer method	Danske Bank daily transfer limit
Faster Payments	- Up to £10,000 via mobile app - Up to £25,000 online - Up to £100,000 in branch¹
CHAPS payment	No minimum or maximum limit
International payments	Up to £25,000 (online banking)¹

It’s unlikely that you’ll be able to increase these limits, although you may be able to lower them if you’d feel more comfortable with a tighter check on spending.

📚 Read more: The best UK banks for sending money abroad

What’s the maximum amount you can send with Danske Bank?

The maximum you can send with Danske Bank per day in the UK is £100,000, if you visit a branch (remembering to take some photo ID with you).¹

If you need to send more than this, you can use CHAPS for an extra fee.

International transfers are more limited with Danske, as you can only send a maximum of £25,000 using online banking (and CHAPS payments can’t be used for international transfers). You may be able to set up larger transfers in branch.

Can you send multiple large transfers per day?

You can send multiple large payments per day with Danske Bank, but you won’t be able to exceed your daily sending limit.

How to transfer large amounts with Danske Bank (UK): Step-by-step process

If you already have an account with Danske Bank, it’s pretty straightforward to set up your first transfer - even if it is a large sum you’re sending.

To send a large payment with Danske Bank using Faster Payments, the easiest option is to use online or mobile banking.

You’ll need to have your recipient details to hand, which will include:

• Their name as it appears on their bank account
• Their bank account number and sort code
• The type of account (personal or business)

You’ll need additional details if you’re sending money abroad:

• The name, account number and address of the person or company you’re paying
• The recipient’s International Bank Account Number (IBAN)
• The SWIFT/BIC code for their bank

To set up your transfer online, follow these steps:²

1. Log in to the Danske Bank eBanking portal
2. Select ‘Pay and transfer’ and then ‘Transfer funds’
3. Choose an existing payee under ‘Select payee’, or enter account details for a new recipient - you can save these details for future payments if you like.
4. Enter the payment reference
5. Choose the date of the payment
6. Enter the amount you want to send
7. Complete the security verification steps - this may be a phone call where you need to enter an on-screen code into your phone
8. Check the details and confirm.

The process for sending money using the Danske Bank mobile app is really similar - you’ll just need to follow the on-screen instructions.

To send money abroad, you’ll follow the steps above, but you’ll also need to select the country you’re sending to and the currency - and check the fees and exchange rate carefully before you send.

If you prefer, you can also visit a branch of Danske Bank in person to send your payment. This can be best for sending payments above your daily online sending limit, or for sending CHAPS payments.

You can find your nearest branch on the Danske Bank website. Just remember that you’ll need to take ID documents along with you, and that there may be additional fees for in-branch services (such as for sending a CHAPS payment, for example).

➡️ Learn more about the Wise account

Is Danske Bank safe for large transfers?

Danske Bank is a fully licensed bank which operates in the UK through Northern Bank Limited, which is part of the Danske Bank Group.

It’s strictly regulated and uses sophisticated security measures to protect customers’ data, money, accounts and transfers.

This includes protections such as:

• 24/7 anti-fraud protection and monitoring
• Strong Customer Authentication to safeguard your account (i.e. texting you a passcode when you log in to online banking)
• Data encryption
• Biometric authentication to log in to the Danske Bank app
• Timed logout when using digital banking.

How long do large transfers take with Danske Bank?

Here’s an overview of average transfer times with Danske Bank:³

Sending method	Cut-off time	Transfer arrives
Faster payments	N/A	Up to 2 hours, often instantly
CHAPS payments	Before branch closing time	Same day
International payments - Standard	Before 4.30pm on a working day	1 to 2 working days
International payments - Express	- Before 2.30pm for most currencies - Before 11am for BGN, HRK, ISK, PLN, RON - Before 12pm for CHF, CZK, HUF	Same day for most currencies (next day for some)

Danske Bank large amount transfer fees and costs

Now we come to the all-important question of how much Danske Bank large transfers cost. Here are the main fees and charges you need to know about:⁴

Payment type	Transfer fee
Faster Payments	- No fee if made via online/mobile banking - £10 in branch
CHAPS	£30 per payment
International payment - SEPA (EUR within EEA)	- No fee for Standard payments - £20 for Express payments made via online/mobile banking - £30 for Express payments made in branch
International payment - all other foreign currencies/destinations	- £20 for Standard/Express payments made via online/mobile banking - £30 for Standard/Express payments made in branch

When sending an international transfer with Danske Bank, you’ll also need to check the exchange rate used for converting currency - as well as the upfront fee.

You can check Danske Bank’s current exchange rates here, but you may also be able to see the rate in eBanking or the mobile app before you send.

Wise – A low-cost alternative for international transfers

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Key takeaways

• You can send up to £25,000 via online banking or £100,000 in-branch using Faster Payments.
• For payments exceeding standard limits, CHAPS offers a secure option with no maximum limit, though it requires a £30 fee and a branch visit.
• Overseas transfers are capped at £25,000 per day using online banking and cannot be sent via CHAPS. You may be able to set up larger payments in branch.
• Most domestic transfers arrive instantly or within two hours, while CHAPS payments are processed on the same day if set up before the branch closes.
• As a fully licensed UK bank, Danske Bank protects large transfers using multi-factor authentication, data encryption, and 24/7 fraud monitoring.

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Sources used:

1. Danske Bank - Terms and Conditions Personal Banking
2. Danske Bank - Payments on eBanking and the Mobile Banking app
3. Danske Bank - Danske Bank Personal Customers Payment Table
4. Danske Bank - Choice Account - Fee Information Document

Sources last checked on date: 02-Jan-2025