Visa Silver

We no longer sell new Visa credit cards. You can apply for a corresponding MasterCard.

Did you get a new Nordea Credit card to replace your Visa Silver card? Read our frequently asked questions.
Interest -free payment period of 30 days
 

Visa Silver

 The use of Nordea Visa credit cards has ended

Our customers’ Visa credit cards have been replaced with Nordea MasterCards during the current year.
Start using your new MasterCard and you will have a valid card for your Christmas shopping as the use of the Visa credit card has ended.

Nordea Visa cards will be replaced with Nordea MasterCards in 2014

Nordea's card selection will become more uniform. Nordea Visa Silver and Nordea Visa Gold cards will be replaced with corresponding Nordea MasterCards during 2014. The change concerns credit cards, combination cards and parallel cards. Moreover, the terms and conditions of the Nordea Visa credit account will be updated on 1 May 2014.

Visa card's features and additional services will be transferred to the new card.

The new Nordea card will be linked to the same credit account as the customer's present Visa card. The new card will include the same basic card and credit features and additional services as the current card. For example, the card's PIN, credit limit, repayment percentage and invoicing method and the fees of the card and credit will remain the same. Any insurance attached to the card will also be transferred to the new card.

How will the customer notice the change?

During 2014 the bank will deliver to the customer a new Nordea Master Card with a new appearance which will replace Visa card. The new card can be used for purchases at stores accepting MasterCard. MasterCards can be used globally at over 34 million points of sale.

Customers can continue to use their current Visa cards as usual until further notice.  The bank begins sending the new Nordea cards in May, a process that will continue until the autumn, with the exception of July.

New terms and conditions of your credit account will take effect on 1 May 2014

Due to the card change, the terms and conditions of Nordea Visa credit accounts will change to the terms for Nordea cards' credit accounts. Among the key amendments to the terms and conditions, references to the Visa card company will be removed, and the terms and conditions of the credit account will also be clarified by removing any overlaps with Nordea's card terms. The amendments to the terms and conditions of the credit account will enter into force automatically on 1 May 2014.

New terms and conditions of your credit account will take effect on 1 May 2014PDF

Questions and answers

 1. Why does Nordea replace Visa credit cards with MasterCard credit cards?

Nordea wants to clarify its offering of credit cards. This is the reason why Nordea credit cards will be MasterCards in the future.

2. When will customers receive the Nordea credit cards replacing the Visa credit cards?

The bank will begin to send the new Nordea credit cards in May 2014, a process that will continue until the autumn, with the exception of July.

3.  When will the Visa credit cards stop functioning?

The Visa credit cards will stop functioning in the autumn after the bank has delivered the new Nordea credit cards to the customers. Detailed information on the new cards and on the termination of the validity of the current Visa credit cards will be provided to the customers in connection with the delivery of the new cards.

4. What will the change mean to a Visa credit card holder?

Customers will receive the Nordea MasterCard credit card with a new appearance. The cards can be used at stores that accept MasterCard. In addition, on 1 May 2014 the terms and conditions of Nordea Visa credit accounts will change to the terms for Nordea cards' credit accounts. As a new feature, customers can link the K-Plussa feature to the new Nordea credit card. The K-Plussa feature makes it possible to pay for purchases and to gain the K-Plussa loyal customer benefits with one and the same card.

5. Do the use and features of the Nordea MasterCard differ from the Visa credit card?

The new Nordea credit cards will be linked to the current credit accounts and combination cards will be linked to current bank accounts. The new credit cards will include the same basic card and credit features and additional services as the current Visa credit cards. For example, the card's PIN, credit limit, repayment percentage and invoicing method and the fees of the card and credit will remain the same. A new feature is that the customers can use a PIN of their choice if they have Nordea's access codes.

Both the MasterCard credit card and the Visa credit card can be used for purchases and ATM use globally. The majority of merchants accept the cards of both card companies. Nordea MasterCard can be used globally at over 34 million points of sale.

6. Will the current insurance benefits also be valid with the new Nordea credit cards?

The Visa credit cards' Product Safety Insurance will also be valid with the new Nordea credit cards in accordance with the terms and conditions of the insurance (insurance is valid during the card's validity).  The foreign travel insurance of the Nordea Gold credit card will also be valid with the Nordea credit cards. The terms and conditions of Nordea Gold credit cards' travel insurance will be updated as of 1 April 2014. The insurer is AIG Europe Limited (branch).

7. Will Nordea's product offering include Visa cards in the future?

Nordea's debit cards (card transactions debited to a bank account) will continue to be Visa cards. The product offering includes the Nordea Debit and Nordea Electron cards. Nordea Debit is an excellent choice in addition to the Nordea credit card, for example, when you are travelling abroad. 

8. Will customers who already have a MasterCard from Nordea's card offering get another corresponding card to replace the current Visa credit card?

Customers can have several payment cards alongside with the new Nordea credit card, for example, two MasterCards. A second MasterCard can make everyday life easier and give security when travelling abroad, for example. In addition, the MasterCards of Nordea's cooperation partners give customers many benefits.

Description

Visa Silver is a credit card and, if you wish, also a debit card. The credit limit enables even larger purchases and brings flexibility to your finances in case of unexpected situations.

  • You can choose a credit limit between 1,000 and 5,000 euros.
  • You get an interest-free payment period of about 30 days on average for purchases paid with the credit card.
  • You will receive an invoice each month on the credit card transactions. You only pay interest on the amount you leave on credit after the due date*.
  • When filling in the card application, you can select the due date of the invoice and the amount of instalment (minimum instalment percentage).
  • You can monitor your credit card transactions in Nordea's Netbank.In Netbank you can also see the available funds on your card and the invoice details. Moreover, you can transfer funds from your credit facility to your bank account.
  • In Nordea's Mobile Bank you can follow up on your credit card's transactions and see the balance available on your card and transfer money from your card credit to your bank account.
  • You can select two instalment-free months in a calendar year.
  • You can link any number of parallel cards to the principal card for your family members.
  • To view the costs, go to the Prices tab.

Your Visa benefits

  • As Nordea’s Key Customer you get the MasterCard Gold without the monthly or annual fee.
  • The card includes Product Safety Insurance, which provides additional cover for the products you purchase for your home or holiday home.
  • You can have your own digital photo or a picture from Nordea's photo gallery printed on your card.

Visa is accepted worldwide

  • Visa is accepted in Finland and abroad in over 200 countries and about 24 million sales outlets.
  • You can withdraw cash all over the world at ATMs carrying the Visa logo.
  • When your card has the debit facility, you can also pay for purchases and withdraw cash directly from your bank account worldwide.
  • You can go shopping on the Internet when you register your card for online use.

Product Safety Insurance

Product Safety Insurance provides excellent additional cover for your card purchases when products that are purchased to be used indoors at your permanent or leisure home are paid in full with a Nordea credit card.

Product Safety Insurance provides cover in the event of damage or breakdown of the insured object in accordance with the insurance terms and conditions. The purchase price of the insured object must be at least 100 euros and paid in full with the card’s credit facility. Read the insurance terms and conditions carefully.


The content of the Product Safety Insurance has been extended as of 1 July 2011. The extension applies to products that are purchased to be used outdoors at your home or leisure house garden when the purchases amounting to at least 100 euros are paid in full with the credit facility of your Nordea Gold or Visa Gold card. Product Safety Insurance is valuable insurance that complements your home insurance. The insurance is free of charge.

You can see the benefits in your everyday life

  • The vacuum cleaner might tip over a loudspeaker or an electric razor might fall out of your hand and break the bathroom sink. In such cases the insurance offers compensation for the value of the object without any deductible or reductions for age during two years after the purchase date.
  • The benefits of the insurance will also become apparent in situations where the cooker hood or microwave oven bought for your renovated kitchen breaks down right after the guarantee has expired. In such a case the insurance provides compensation for the repair of the appliance as many as five years after the purchase. The above-mentioned damages are damages that most home insurance policies do not cover - at least without a deductible.

 

Read the insurance terms and conditionsPDF


 

Notification of damage PDF 

The insurance is granted by AIG Europe Limited (Finland Branch), address Kasarmikatu 44, 00130 Helsinki, tel 020 366 900.

Prices for Key Customers

Price of Visa Silver and Visa Silver combination card for Key Customers
Annual fee Price
Visa Silver and Visa Silver combination card 0,00 €
Parallel card 24,00 €

 

Price of Visa Silver and Visa Silver combination card for Key Customers
Monthly fee Price
Visa Silver and Visa Silver combination card 0,00 €
Parallel card 2,00 €

 

Price of Visa Silver and Visa Silver combination card for Key Customers
Additional services Price

Picture card, new or renewal
- own picture or picture from the photo gallery per card

12,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query 1,00 €
Balance query at an ATM 0,40 €
Reorder of PIN in Netbank 5,00 €
Reorder of PIN at a branch
6,00 €
Visa queries in Netbank or Mobile Bank per month 0,75 €
Transfer from credit card 2,00 € + 2,5 %

Bill payment from card credit facility at Nordea's payment ATM

2,00 € + 2,5 %
Change of credit limit/change 10,00 €
Change of repayment schedule/change 10,00 €
Service fee for an express order of Visa 10,00 €
Change or renewal of card during its validity 10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control 0,00 €
Finder's fee 10,00 €

Confiscation fee for a card used in violation of the card terms and conditions

120,00 €

 

Price of Visa Silver and Visa Silver combination card for Key Customers
Cash withdrawals in Finland Price
Cash withdrawals from bank account in Finland at a branch or at an Otto.ATM 0,00 €
Cash withdrawals from bank account in Finland at another ATM than Otto.ATM per withdrawal 0,75 €

Cash withdrawals from card credit in Finland at ATMs per withdrawal

2,00 € + 2,5 %

  

Price of Visa Silver and Visa Silver combination card for Key Customers
Cash withdrawals abroad Price

Cash withdrawals from bank account with a Visa in euros at ATMs in EU countries belonging to the EMU and i kronas at ATMs in Sweden per withdrawal

0,75 €

Cash withdrawals from card credit with a Visa in euros at ATMs in EU countries belonging to the EMU and in kronas at ATMs in Sweden per withdrawal

2,00 € + 2,5 %
Cash withdrawals in euros at branches in EU countries belonging to the EMU per withdrawal 2,00 € + 2,5 %
Cash withdrawals with Nordea Bank Finland Plc’s international cards in currencies other than the euro at branches and/or ATMs in Denmark, United Kingdom, the new EU Member States (as of 1 May 2004) and outside the EU 2,00 € +2,5 %
Cash withdrawals with Nordea Bank Finland Plc’s MasterCards, Visa, Visa/MasterCard Debit and Visa Electron cards at Nordea’s ATMs in Norway, Sweden and Denmark

0,00 €

 

 

Price of Visa Silver and Visa Silver combination card for Key Customers
Account management fee Price
Account management fee per month when the transactions on the invoice are not paid out in full on the invoice due date. 2,50 €

Prices for Preferred Customers

Price of Visa Silver and Visa Silver combination card for Preferred Customers
Annual fee Price
Visa Silver and Visa Silver combination card 39,00 €
Parallel card 24,00 €

 

Price of Visa Silver and Visa Silver combination card for Preferred Customers
Monthly fee Price
Visa Silver and Visa Silver combination card 3,25 €
Parallel card 2,00 €

 

Price of Visa Silver and Visa Silver combination card for Preferred Customers
Additional services Price

Picture card, new or renewal
- own picture or picture from the photo gallery per card

12,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query 1,00 €

Balance query at an ATM

0,40 €
Reorder of PIN in Netbank 5,00 €
Reorder of PIN at a branch 6,00 €
Visa queries in Netbank or Mobile Bank per month 0,75 €
Transfer from credit card 2,00 € + 2,5 %

Bill payment from card credit facility at Nordea's payment ATM

2,00 € + 2,5 %

Change of credit limit/change 10,00 €
Change of repayment schedule/change 10,00 €
Service fee for an express order of Visa 10,00 €
Change or renewal of card during its validity 10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control 0,00 €
Finder's fee 10,00 €

Confiscation fee for a card used in violation of the card terms and conditions

120,00 €

 

Price of Visa Silver and Visa Silver combination card for Preferred Customers
Cash withdrawals in Finland Price

Cash withdrawals from bank account in Finland at a branch or at an Otto.ATM

0,00 €

Cash withdrawals from bank account in Finland at another ATM than Otto.ATM per withdrawal

0,75 €

Cash withdrawals from card credit in Finland at ATMs per withdrawal

2,00 € + 2,5 %

 

Price of Visa Silver and Visa Silver combination card for Preferred Customers
Cash withdrawals abroad Price

Cash withdrawals from bank account with a Visa in euros at ATMs in EU countries belonging to the EMU and i kronas at ATMs in Sweden per withdrawal

0,75 €

Cash withdrawals from card credit with a Visa in euros at ATMs in EU countries belonging to the EMU and in kronas at ATMs in Sweden per withdrawal

2,00 € + 2,5 %
Cash withdrawals in euros at branches in EU countries belonging to the EMU per withdrawal 2,00 € + 2,5 %
Cash withdrawals with Nordea Bank Finland Plc’s international cards in currencies other than the euro at branches and/or ATMs in Denmark, United Kingdom, the new EU Member States (as of 1 May 2004) and outside the EU 2,00 € +2,5 %
Cash withdrawals with Nordea Bank Finland Plc’s MasterCards, Visa, Visa/MasterCard Debit and Visa Electron cards at Nordea’s ATMs in Norway, Sweden and Denmark
0,00 €

 

Price of Visa Silver and Visa Silver combination card for Preferred Customers
Account management fee Price
Account management fee per month when the transactions on the invoice are not paid out in full on the invoice due date. 2,50 €

Prices for Check-in Customers

Price of Visa Silver and Visa Silver combination card for Check-in Customers
Annual fee Price
Visa Silver and Visa Silver combination card 39,00 €
Parallel card 24,00 €

 

Price of Visa Silver and Visa Silver combination card for Check-in Customers
Monthly fee Price
Visa Silver and Visa Silver combination card 3,25 €
Parallel card 2,00 €

 

Price of Visa Silver and Visa Silver combination card for Check-in Customers
Additional services Price

Picture card, new or renewal
- own picture or picture from the photo gallery per card

12,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query 1,00 €

Balance query at an ATM

0,40 €
Reorder of PIN in Netbank 5,00 €
Reorder of PIN at a branch 6,00 €
Visa queries in Netbank or Mobile Bank per month 0,75 €
Transfer from credit card 2,00 € + 2,5 %

Bill payment from card credit facility at Nordea's payment ATM


2,00 € + 2,5 %
Change of credit limit/change 10,00 €
Change of repayment schedule/change 10,00 €
Service fee for an express order of Visa 10,00 €
Change or renewal of card during its validity 10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control 0,00 €
Finder's fee 10,00 €

Confiscation fee for a card used in violation of the card terms and conditions

120,00 €

 

Price of Visa Silver and Visa Silver combination card for Check-in Customers
Cash withdrawals in Finland Price
Cash withdrawals from bank account in Finland at a branch or at an Otto.ATM 0,00 €
Cash withdrawals from bank account in Finland at another ATM than Otto.ATM per withdrawal 0,75 €

Cash withdrawals from card credit in Finland at ATMs per withdrawal

2,00 € + 2,5 %

 

Price of Visa Silver and Visa Silver combination card for Check-in Customers
Cash withdrawals abroad Price

Cash withdrawals from bank account with a Visa in euros at ATMs in EU countries belonging to the EMU and i kronas at ATMs in Sweden per withdrawal

0,75 €

Cash withdrawals from card credit with a Visa in euros at ATMs in EU countries belonging to the EMU and in kronas at ATMs in Sweden per withdrawal

2,00 € + 2,5 %
Cash withdrawals in euros at branches in EU countries belonging to the EMU per withdrawal 2,00 € + 2,5 %
Cash withdrawals with Nordea Bank Finland Plc’s international cards in currencies other than the euro at branches and/or ATMs in Denmark, United Kingdom, the new EU Member States (as of 1 May 2004) and outside the EU 2,00 € +2,5 %
Cash withdrawals with Nordea Bank Finland Plc’s MasterCards, Visa, Visa/MasterCard Debit and Visa Electron cards at Nordea’s ATMs in Norway, Sweden and Denmark 0,00 €

 
Price of Visa Silver and Visa Silver combination card for Check-in Customers
Account management fee Price
Account management fee per month when the transactions on the invoice are not paid out in full on the invoice due date.
2,50 €

Normal price

Normal price of Visa Silver and Visa Silver combination card
Annual fee Price
Visa Silver and Visa Silver combination card 52,00 €
Parallel card 24,00 €

 

Normal price of Visa Silver and Visa Silver combination card
Monthly fee Price
Visa Silver and Visa Silver combination card 4,30 €
Parallel card 2,00 €

 

Normal price of Visa Silver and Visa Silver combination card
Additional services Price

Picture card, new or renewal
- own picture or picture from the photo gallery per card

12,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query 1,00 €

Balance query at an ATM

0,40 €
Reorder of PIN in Netbank 5,00 €
Reorder of PIN at a branch 6,00 €
Visa queries in Netbank or Mobile Bank per month 0,75 €
Transfer from credit card 2,00 € + 2,5 %

Bill payment from card credit facility at Nordea's payment ATM

2,00 € + 2,5 %
Change of credit limit/change 10,00 €
Change of repayment schedule/change 10,00 €
Service fee for an express order of Visa 10,00 €
Change or renewal of card during its validity 10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control 0,00 €
Finder's fee 10,00 €

Confiscation fee for a card used in violation of the card terms and conditions

120,00 €

 

Normal price of Visa Silver and Visa Silver combination card
Cash withdrawals in Finland Price
Cash withdrawals from own account in Finland at a branch or at an Otto.ATM 0,00 €
Cash withdrawals from own account in Finland at another ATM than Otto.ATM per withdrawal 0,75 €

Cash withdrawals from card credit in Finland at ATMs per withdrawal

2,00 € + 2,5 %

  

Normal price of Visa Silver and Visa Silver combination card
Cash withdrawals abroad Price

Cash withdrawals from bank account with a Visa in euros at ATMs in EU countries belonging to the EMU and i kronas at ATMs in Sweden per withdrawal

0,75 €

Cash withdrawals from card credit with a Visa in euros at ATMs in EU countries belonging to the EMU and in kronas at ATMs in Sweden per withdrawal

2,00 € + 2,5 %
Cash withdrawals in euros at branches in EU countries belonging to the EMU per withdrawal 2,00 € + 2,5 %
Cash withdrawals with Nordea Bank Finland Plc’s international cards in currencies other than the euro at branches and/or ATMs in Denmark, United Kingdom, the new EU Member States (as of 1 May 2004) and outside the EU 2,00 € +2,5 %
Cash withdrawals with Nordea Bank Finland Plc’s MasterCards, Visa and Visa Electron cards at Nordea’s ATMs in Norway, Sweden and Denmark 0,00 €

 

Normal price of Visa Silver and Visa Silver combination card
Account management fee Price
Account management fee per month when the transactions on the invoice are not paid out in full on the invoice due date.
2,50 €
 
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Online purchases

Online purchases
Pay safely online If you want to go shopping on the Internet, register your card for online use.

How to apply for a card

How to apply for a card
Many alternatives You can apply for a card in Netbank, at a branch or by calling Nordea Customer Service.