Nordea Gold

Interest-

free period 

for 30 days 

Finance even larger purchases with Nordea Gold credit facility. The card comes with Product Safety Insurance and travel insurance for trips abroad.

Nordea Gold Features Prices Terms Nordea Gold

Finance even larger purchases with Nordea Gold

  • kortit-nordea-gold-2015You can choose a credit limit between 2,000 and 10,000 euros (between 5,000 and 10 000 euros if you apply for the card in the Netbank).
  • Nordea Gold combination card's debit feature allows you to pay purchases costing less than 25 euros as contactless payment, without having to key in your PIN.
  • The card comes with comprehensive travel insurance. The insurance is valid on leisure trips when no less than 75% of the total travelling and accommodation costs have been paid with the card's credit facility.
  • Nordea Gold is a credit card and, if you wish, also a debit card. 
  • The interest-free payment period for purchases on credit is 30 days on average. You only pay interest on the amount you leave on credit after the due date.
  • The card also includes Product Safety Insurance.
  • You can include the K-Plussa feature to your MasterCard
Features

Description

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

  • 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 select two instalment-free months in a calendar year.
  • With the contactless payment feature of Nordea Gold combination card you can pay purchases smaller than 25 euros quickly and easily by holding the card close to the payment terminal. You do not need to insert your card into the payment terminal or key in your PIN. Contactless payments are always debited from the debit side of the card (bank account).
  • You can link any number of parallel cards to the principal card for your family members.
  • 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.

  • If you have Nordea's Netbank access codes, you can decide the PIN for your card.
  • To view the costs, go to the Prices tab.

Extra benefits with Nordea Gold

  • As Nordea’s Key Customer you get the Nordea Gold without the monthly or annual fee.
  • The card comes with continuous travel insurance for trips abroad, Product Safety Insurance and emergency cash service.
  • You can have your own digital photo or a picture from Nordea's photo gallery printed on your card. 
  • You can include the K-Plussa feature to your MasterCard.

A credit card accepted worldwide

  • MasterCard is accepted in Finland and abroad in over 200 countries and 30 million sales outlets. 
  • You can withdraw cash all over the world at ATMs carrying the MasterCard 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.

Read more about Nordea Gold in Cardholder's guide (pdf, 2 MB)Opens new window.

* The annual percentage rate of charge calculated on a Nordea Gold credit of 1,500 euros in use is 11.4% (June 2016) for Key Customers. The calculation includes an account management fee. The interest on the credit is the 3-month Euribor + 7.5%. No annual or monthly fee is charged on the principal card from Key Customers. The account management fee for a balance with credit is EUR 2,50 a month. The actual annual interest of other customer groups is shown under Card terms/Standard European Consumer Credit Information. The minimum credit limit for Nordea Gold is 5,000 euros and the maximum limit is 10,000 euros. The credit is valid until further notice. The total amount payable depends on the use of the credit, the size of the agreed instalments and the term of the credit agreement. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven Katu 9, Helsinki, 00020 NORDEA or Nordea Bank Finland Plc, Satamaradankatu 5, Helsinki, 00020 NORDEA.

 

Contactless Payment

A contactless payment facility means that you can pay for purchases that cost less than 25 euros quickly and conveniently. You do not need to insert your card into the payment terminal or key in your PIN. 

All purchases exceeding 25 euros must still be paid by inserting the card into the payment terminal and keying in the PIN.

Contactless payments can be made at all payment terminals which carry the contactless payment symbol and are able to process contactless payments.

You can always use a card featuring contactless payment also in the traditional manner - and also for purchases which cost less than 25 euros. In this case, you insert your card into the payment terminal and key in your PIN.

How do I pay with my contactless card?

When you are paying with your card featuring a contactless payment facility for the first time, insert your card into the payment terminal and key in your PIN. This will activate the contactless payment facility on your card and you may now pay for purchases which cost less than 25 euros without keying in your PIN.

  1. When the cashier registers your purchase which costs less than 25 euros and asks for payment, hold your card close to the payment terminal.
  2. The payment terminal informs you of the authorised purchase with an audio and light signal. You do not need to key in your PIN.
  3. You will get a receipt for your purchase as usual.

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.

Terms and conditions (pdf, 69 KB)Opens new window

Notification of damage (pdf, 87 KB)Opens new window

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

MyMoney picture card

You can design the appearance of your card. You can select picture from among your own photos or from Nordea`s photo gallery.

Try it yourself: MyMoney demo pageOpens new window

This is how you order the MyMoney card

It is easy to make a card order in Netbank, when you have Nordea's access codes. You can order a picture card in Netbank under > Cards > Card editing and renewal

You can order a picture for Nordea Credit, Nordea Gold, Nordea Electron and Nordea Debit cards. The picture cannot be ordered for Finnair Plus MasterCard, Stockmann MasterCard,TUOHI MasterCard or Nordea Electron with the K-Plussa feature.

The price of the MyMoney card is 12 euros per card order. The price is charged in connection with the production of a new or renewed card.

Jalmari Visa Electron

kortit-kuvakortti-jalmariYou can now get a picture of Jalmari the Beaver on your Nordea Electron card. The normal production price of EUR 12 is not charged for the Jalmari picture.

Jalmari is available in four colours: purple, blue, orange and green.

NB: You cannot order Jalmari's picture for Nordea Electron with the K-Plussa feature.

Support a good cause with MyMoney card

If you order a card with a picture related to the Clean Baltic Sea theme you can support the Clean Baltic Sea projects of the John Nurminen Foundation. When you order a card with a picture of the Women's Bank you support the Women's Bank fund of the Finn Church Aid foundation.

We will donate three euros for every card produced according to the picture you have chosen either for the Clean Baltic Sea projects or the Women's Bank fund. 

Donate for the Clean Baltic Sea projects or the Women's Bank with ePiggy.

You do not have to carry several cards in your wallet as the K-Plussa feature makes it possible to pay for your purchases and to gain the K-Plussa loyal customer benefits with one and the same card. You can also get the K-Plussa feature to a MasterCard with a picture.

How can I get a card with the K-Plussa feature?

You can apply for a card that includes the K-Plussa feature, or you can add the K-Plussa feature to your existing card if you have a valid K-Plussa loyal customer number. The K-Plussa feature will be included in your card.

  • In Nordea's Netbank with your access code
  • by visiting the nearest  Nordea Branch 
  • by calling our Customer Service tel.  0200 70 000 

You will find the K-Plussa number on the reverse side of your new payment card. K-Plussa points will automatically be credited to the same loyal customer account as before, even though the loyal customer number printed on the card is new.

The bank will charge you a fee for the renewal of your card in accordance with its tariff. 

Read more about the K-Plussa Loyalty Customer programme and your benefits: Plussa.comOpens new window

Travel Insurance

MasterCard Gold and Visa Gold cards include comprehensive travel insurance for trips abroad, which includes the following important insurance covers:

  • travel illness and travel accident covers with related transportation
  • luggage insurance
  • indemnities for waiting in case of delayed luggage or flights
  • cover for cancellation of the trip
  • indemnity for liability damage
  • cover for interruption of the trip and
  • cover for late arrival to a trip or to a connection.

The travel insurance included in the Gold cards is in force on trips abroad for a period of up to three months. All Nordea Gold holders between the ages of 16 and 78 and their family members travelling with them are insured according to the insurance terms.

Terms and conditions (pdf, 231 KB)Opens new window

Print a claim for travel-related loss or damage (pdf, 239 KB)Opens new window

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

If you are travelling to a country which requires a separate certificate on travel insurance, please contact insurance company AIG's customer service, tel 020 366 900, Mon - Fri 9 - 21, Sat 10 - 16.

Emergency cash

Card lost or stolen while abroad? Nordea's emergency cash is intended for exactly this kind of unexpected moments when you are in quick need of cash.

How does emergency cash work?

  • You can ask for emergency cash if your Nordea Gold card is lost or stolen.
  • The maximum amount is your card’s available credit limit (but not more than USD 3,000)
  • Your emergency cash will be delivered to a local MasterCard agent, such as a local bank or Western Union.
  •  Normally you will receive your cash within 24 hours.
  • The normal cash withdrawal fees are charged for emergency cash.
  • The sum withdrawn and the fees will be added to your next invoice.

 What do I do if I need emergency cash?

If you need emergency cash, contact our Help Line (24h) tel. +358 9 696 4696.

Prices

Prices for Key Customers

Price of Nordea Gold for Key Customers
Annual feePrice
Nordea Gold combination card or Nordea Gold0,00 €
Parallel card24,00 €
Price of Nordea Gold for Key Customers
Monthly feePrice
Nordea Gold combination card or Nordea Gold0,00 €
Parallel card2,00 €
Price of Nordea Gold for Key Customers
Additional servicesPrice

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

12,00 €
MasterCard queries in Netbank or Mobile Bank per month0,75 €
Mastercard queries, as a text message by calling (+ mobile call charge)0,33 €
Service fee for an express order of MasterCard10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query1,00 €
Balance query at an ATM0,40 €
Reorder of card PIN (delivery by post)*7,00 €

Reorder of card PIN (delivery by sms)*

*Card PIN may be ordered from Nordea branches or by calling Nordea Customer Service

5,00 €
Checking card PIN in Netbank5,00 €
Change of credit limit/change10,00 €
Change of repayment schedule/change10,00 €
Transfer from credit card2,00 € + 3 %
Bill payment from card credit facility at Nordea's payment ATM2,00 € + 3 %
Change or renewal of card during its validity10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control0,00 €
Finder’s fee10,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €
Price of Nordea Gold for Key Customers
Cash withdrawals in Finland from bank account or card credit
Price
Cash withdrawals from bank account in Finland at a branch 0,00 €

Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal

0,00 €

0,40 €

Cash withdrawals from card credit in Finland at ATMs per withdrawal2,00 € + 3 %
Price of Nordea Gold for Key Customers
Cash withdrawals abroadPrice

Cash withdrawals in euros at ATMs from a bank account in the EU Member States in the euro area and withdrawals in Swedish kronas in Sweden 1–4 withdrawals per month

0,00 €

Cash withdrawals in euros at ATMs in the EU Member States in the euro area and in Swedish kronas at ATMs in Sweden 5 or more withdrawals per month per withdrawal0,40 €
Cash withdrawals in euros at ATMs from credit account in the EU Member States in the euro area and withdrawals in Swedish kronas in Sweden 2,00 € + 3 %
Cash withdrawals in euros with MasterCards at branches in the EU Member States in the euro area2,00 € + 3 %

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 € + 3 %

Cash withdrawals with Nordea Bank Finland Plc's MasterCard, Nordea/MasterCard Debit and Nordea Electron cards at Nordea’s ATMs in Norway, Sweden and Denmark

0,00 €
Price of Nordea Gold for Key Customers
Account management feePrice
Account management fee per month when the transactions on the invoice are not paid out in full on the invoice due date.2,50 €
Price of Nordea Gold for Preferred Customers
Annual feePrice
Nordea Gold combination card or Nordea Gold56,00 €
Parallel card24,00 €
Price of Nordea Gold for Preferred Customers
KuukausimaksullinenPrice
Nordea Gold combination card or Nordea Gold4,70 €
Parallel card2,00 €
Price of Nordea Gold for Preferred Customers
 Additional servicesPrice

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

12,00 €
MasterCard queries in Netbank or Mobile Bank per month0,75 €
MasterCard queries, as a text message by calling (+ mobile call charge)0,33 €
Service fee for an express order of MasterCard10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query1,00 €
Balance query at an ATM0,40 €
Reorder of card PIN (delivery by post)*
7,00 €

Reorder of card PIN (delivery by sms)*

*Card PIN may be ordered from Nordea branches or by calling Nordea Customer Service  

5,00 €

Checking card PIN in Netbank

5,00 €
Change of credit limit/change10,00 €
Change of repayment schedule/change10,00 €
Transfer from credit card2,00 € + 3 %
Bill payment from card credit facility at Nordea's payment ATM2,00 € + 3 %
Change or renewal of card during its validity10,00 € 
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control0,00 €
Finder’s fee10,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €
Price of Nordea Gold for Preferred Customers
Cash withdrawals in Finland from bank account or card credit
Price
Cash withdrawals from bank account in Finland at a branch 0,00 €

Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal

0,00 €

0,40 €

Cash withdrawals from card credit in Finland at ATMs per withdrawal2,00 € + 3 %
Price of Nordea Gold for Preferred Customers
Cash withdrawals abroadPrice

Cash withdrawals in euros at ATMs from a bank account in the EU Member States in the euro area and withdrawals in Swedish kronas in Sweden 1–4 withdrawals per month

0,00 €

Cash withdrawals in euros at ATMs in the EU Member States in the euro area and in Swedish kronas at ATMs in Sweden 5 or more withdrawals per month per withdrawal0,40 €
Cash withdrawals in euros at ATMs from credit account in the EU Member States in the euro area and withdrawals in Swedish kronas in Sweden2,00 € + 3 %
Cash withdrawals in euros with MasterCards at branches in the EU Member States in the euro area2,00 € + 3 %

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 € + 3 %

Cash withdrawals with Nordea Bank Finland Plc's MasterCard, Nordea/MasterCard Debit and Nordea Electron cards at Nordea’s ATMs in Norway, Sweden and Denmark

0,00 €
Price of Nordea Gold for Preferred Customers
Account management fee pricePrice
Account management fee per month when the transactions on the invoice are not paid out in full on the invoice due date2,50 €
Price of Nordea Gold for Check-in Customers
Annual feePrice
Nordea Gold combination card or Nordea Gold56,00 €
Parallel card24,00 €
Price of Nordea Gold for Check-in Customers
Monthly feePrice
Nordea Gold combination card or Nordea Gold4,70 €
Parallel card2,00 €
Price of Nordea Gold for Check-in Customers
Additional servicesPrice

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

12,00 €
MasterCard queries in Netbank or Mobile Bank per month0,75 €
MasterCard queries, as a text message by calling (+ mobile call charge)0,33 €
Service fee for an express order of MasterCard10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query1,00 €
Balance query at an ATM0,40 €
Reorder of card PIN (delivery by post)*
7,00 €

Reorder of card PIN (delivery by sms)*

*Card PIN may be ordered from Nordea branches or by calling Nordea Customer Service 

5,00 €

Checking card PIN in Netbank 

5,00 €
Change of credit limit/change10,00 €
Change of repayment schedule/change10,00 €
Transfer from credit card2,00 € + 3 %
Bill payment from card credit facility at Nordea's payment ATM2,00 € + 3 %
Change or renewal of card during its validity10,00 € 
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control0,00 €
Finder’s fee10,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €
Price of Nordea Gold for Check-in Customers
Cash withdrawals in Finland from bank account or card credit
Price
Cash withdrawals from bank account in Finland at a branch 0,00 €

Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal

0,00 €        

0,40 €

Cash withdrawals from card credit in Finland at ATMs per withdrawal2,00 € + 3 %
Price of Nordea Gold for Check-in Customers
Cash withdrawals abroadPrice

Cash withdrawals in euros at ATMs from a bank account in the EU Member States in the euro area and withdrawals in Swedish kronas in Sweden 1–4 withdrawals per month

0,00 €

Cash withdrawals in euros at ATMs in the EU Member States in the euro area and in Swedish kronas at ATMs in Sweden 5 or more withdrawals per month per withdrawal0,40 €
Cash withdrawals in euros at ATMs from credit account in the EU Member States in the euro area and withdrawals in Swedish kronas in Sweden 2,00 € + 3 %
Cash withdrawals in euros with MasterCards at branches in the EU Member States in the euro area2,00 € + 3 %

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 € + 3 %

Cash withdrawals with Nordea Bank Finland Plc's MasterCard, Nordea/MasterCard Debit and Nordea Electron cards at Nordea’s ATMs in Norway, Sweden and Denmark

0,00 €
Price of Nordea Gold for Check-in Customers
Account management feePrice
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 of Nordea Gold
Annual feePrice
Nordea Gold combination card or Nordea Gold75,00 €
Parallel card24,00 €
Normal price of Nordea Gold
Monthly feePrice
Nordea Gold combination card or Nordea Gold6,25 €
Parallel card2,00 €
Normal price of Nordea Gold
Additional servicesPrice

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

12,00 €
MasterCard queries in Netbank or Mobile Bank per month0,75 €
MasterCard queries, as a text message by calling (+ mobile call charge)0,33 €
Service fee for an express order of MasterCard10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query1,00 €
Balance query at an ATM0,40 €
Reorder of card PIN (delivery by post)*
7,00 €

Reorder of card PIN (delivery by sms)*

*Card PIN may be ordered from Nordea branches or by calling Nordea Customer Service 

5,00 €

Checking card PIN in Netbank

5,00 €
Change of credit limit/change10,00 €
Change of repayment schedule/change10,00 €
Transfer from credit card2,00 € + 3 %
Bill payment from card credit facility at Nordea's payment ATM2,00 € + 3 %
Change or renewal of card during its validity10,00 € 
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control0,00 €
Finder’s fee
10,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €
Normal price of Nordea Gold
Cash withdrawals in Finland from bank account or card credit
Price
Cash withdrawals from bank account in Finland at a branch 0,00 €

Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal

0,00 €

0,40 €

Cash withdrawals from card credit in Finland at ATMs per withdrawal2,00 € + 3 %
Normal price of Nordea Gold
Cash withdrawals abroadPrice

Cash withdrawals in euros at ATMs from a bank account in the EU Member States in the euro area and withdrawals in Swedish kronas in Sweden 1–4 withdrawals per month

Cash withdrawals in euros at ATMs in the EU Member States in the euro area and in Swedish kronas at ATMs in Sweden 5 or more withdrawals per month per withdrawal

0,00 €

       

0,40 €

Cash withdrawals in euros at ATMs from credit account in the EU Member States in the euro area and withdrawals in Swedish kronas in Sweden 2,00 € + 3 %
Cash withdrawals in euros with MasterCards at branches in the EU Member States in the euro area2,00 € + 3 %

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 € + 3 %

Cash withdrawals with Nordea Bank Finland Plc's MasterCard, Nordea/MasterCard Debit and Nordea Electron cards at Nordea’s ATMs in Norway, Sweden and Denmark

0,00 €
Normal price of Nordea Gold
Account management feePrice
Account management fee per month when the transactions on the invoice are not paid out in full on the invoice due date.2,50 €
Terms

Advice on cards

Woman in striped shirt by computer 

Pay safely online

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

Couple walking in the city 

Many alternatives

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