The 22-year-old reckons that even if she hadn't met her boyfriend in the Love Island villa they would have eventually found one another in a bar.
She ended up appearing on the dating reality show after injuring herself on Survival of the Fittest earlier in the year.
Dani told MailOnline: "If I had carried on on Survival Of The Fittest I'd have never gone on Love Island and if that hadn't happened we might never have met.
"Actually, no, we would have met anyway. Fate, isn't it. [Jack] would have come up to me and spoken to me in a bar or something."
The pair went on to win this year's show and the cameras are still following them around as they film a reality spin-off with Dani's family.
They moved in together in London soon after getting back from Majorca and already have Christmas plans sorted.
Jack proudly said they're having Christmas Day with his mum and then heading to the Dyer's for Boxing Day.
Reflecting on the last year, he added: "If my mates had said to me a year ago that I'd be living with someone and in love, I'd have told them to f*** off!"
The loved-up couple were in East London to plug a new cafe this morning – days after being slammed by fans for promoting McDonalds.
The Love Island winners were seen taking to the skies in a hot air balloon, as they launched the new Joy Fills biscuit cafe in the Olympic Park.
Wrapping up warm in coats, the pair looked delighted as they soared high into the sky – much like they did during their final Love Island date.
They went on to share snaps of their exciting morning on Instagram, with Dani writing: "OMG we’re in the skyyyyyy! Today me and @jack_charlesf went up in a hot air balloon for the launch of new yummy @JoyFills biscuits. #ad"
And Jack adding: "Massive thanks to @JoyFills for asking me and @danidyerxx to ride the JoyFills hot air balloon this morning, it was proper!! These biscuits are our new favourite. #ad"
Dani recently disappointed fans by revealing that her TV hardman dad Danny Dyer won't be appearing on her new reality spin off show.
She told the Metro: "My family aren’t involved – so there ain't no big Kardashian type show coming up with the Dyers, sorry to disappoint!"
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