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You can do your banking in Netbank and Mobile Bank with access codes anytime anywhere. In addition to banking, you will need your access codes when paying for your online purchases or when identifying yourself in other service providers’, such as Kela’s, services. You can apply for access codes at a Nordea branch or by filling in the ‘Become a customer online’ application.

Access codes Get access codes Questions and answers Prices and terms Access codes

Access codes correspond to your signature

In addition to a permanent user ID, Nordea's customers have three alternatives to choose from:

  • the code app
  • the code calculator and
  • the code card.

The use of code cards will end during 2017. Replacement alternatives are the code app and the code calculator. The code app is an easy-to-use app that can be downloaded from the app store for your mobile device. The code calculator will be launched to our customers at a later stage.

Access codes always with you

Nordea Codes app is an app intended for both personal and corporate customers. The code app is downloaded on mobile devices with which you log into Netbank, Mobile Bank and Nordea Customer Service. You can also pay for your online shopping securely and identify yourself in other service providers’ services.

The benefits of the code app:

  • The access codes are always in your mobile device.
  • The code app will free you from the hassle of carrying a paper code card and striking out codes every time you use them – with the code app, you will never run out of codes.
  • The code app will also guarantee secure banking in the future. It will also be easier to prevent threats related to data security.

Download the code app to your mobile device

The Nordea Codes app can be downloaded on iPhones, Android phones and Windows Phones and on Android tablets and iPads from the relevant app store.

  • Android version 2.3.3 and newer.
  • iPhone and iPad mobile devices iOS version 7 and newer.
  • Windows Phone 8, 8.1 and 10.

Code calculator

The code calculator is an identification method provided by Nordea. This method is intended for customers who are unable to use the code app on a mobile device. 

It is lightweight, compact, and handy to carry for example in the card pocket of your wallet. With the code calculator, you can log in to Netbank and identify yourself in Nordea Customer Service. You can also pay for your online shopping securely and identify yourself in other service providers' services.  

The code calculator will free you from the hassle of carrying a paper code card and striking out codes every time you use them – with the code calculator, you will never run out of codes. The code calculator will also guarantee secure banking going forward. It will be easier to prevent threats related to data security as well.

Your benefits

  • You will never run out of codes
  • No need to strike out codes
  • Lightweight and easy to use
  • Safe

With the code card you can identify yourself and confirm transactions in Nordea's Netbank, Mobile Bank and Customer Service. You can also pay online purchases with the e-payment and identify yourself in other service providers' services.

With the code card you log into services with your user ID and the code card's changing codes. You will get a user ID in connection with the conclusion of the agreement at a branch and at the same time you will get the code card with the one-time codes. 

You will get the user ID when you conclude the Netbank agreement and it will stay the same for the entire agreement period.

When you make the agreement, you will receive one-time codes, ie a code card with 80 individual codes. Use the codes in the order indicated on the card. When you have used 60 codes, or 50 codes if you are an investor customer, we will automatically send you a new code card.

Confirmation codes are used repeatedly to confirm bills and other transactions. They are marked by letters and located at the bottom of the code card.

The sequence number of the code

You can check the sequence number of the code by logging into the service you want to use with the 80th code on the code card.

However, doing this will be counted as an incorrect key-in. Please note that five (5) incorrect key-ins will block the service. If this happens, you can automatically access the service the next day.

Remember that each time you use the 80th code to check the sequence number of a code will be counted as an incorrect key-in.
You can also activate a blocked service by visiting a branch.

Permanent password

With the permanent password you can see the balances and transactions of your accounts and credit cards, but you will need either the code card or the code app to confirm transactions.

You can view your account and credit card transactions and make credit transfers between your accounts in Nordea.

The use of the permanent password is included in the access codes fee.

Prepaid access codes

If you need access codes for identification, but you do not have an account in Nordea, you can get Nordea's prepaid access codes. With prepaid access codes you can reliably identify yourself online.

You pay for the prepaid access codes when you make an agreement at a Nordea branch, and they are valid for one year from the date of the agreement.

Get access codes

Get access codes

You can obtain the access codes by either completing the ‘Become a customer online’ form or visiting a Nordea branch.

Netbank agreement

Stop by a Nordea branch to make a Netbank agreement. You get access codes right after signing a Netbank agreement. You can also become a customer online and receive the access codes during the next banking day. 

You can make a Netbank agreement:

  • if you are 18 and have an account in Nordea
  • if you are 15–17 and have your guardians' consent
  • if you are 15, you can make the agreement on your own, if  you have an account opened by you and intended for your income and which does not require the consent of your guardians.


An account you are authorised to use or a book-entry account can also be added to the Netbank agreement.   In the above situation, both the accountholder and the authorised user must be present at the branch. A personal customer must be present in person and a corporate customer’s representative must present a decision by the Board of Directors.

If you want to make an agreement on behalf of an association, for example, or want to add to your agreement another person's account, remember to take the necessary documents with you.

View your account information electronically

Netbank's viewing right is a service available to those customers free of charge who do not use Netbank. With the service customers can view their account transactions and credit card balances and receive a monthly account statement electronically. A user ID and a permanent four-digit password are required for the use of Netbank's viewing right.

  • The service is free of charge.
  • Suits customers who do not use Netbank and young customers under 15 (with their parents' authorisation).
  • The agreement is opened in branch.
  • The service shows all the customer's accounts and their e-statements, excluding the ASP account and time deposit accounts. 

  • Netbank's viewing right can be used on a computer or through a mobile device's browser.

 The codes are only intended for viewing account information and cannot be used for identification or payment of bills.

Versatile online banking with access codes

In addition to banking in Netbank or in Mobile Bank, you can pay your online purchases securely with the access codes and identity yourself and confirm transactions in other service providers' services, such as Kela's and Tax Administration's online service.

The service providers are responsible for their services and related instructions and help. Nordea is only responsible for the identification of the customer vis-à-vis the service provider and for the transfer of possible payment transactions.

To lottery games via Netbank

As Nordea's personal customer you can use services offered by Oy Veikkaus Ab through via Netbank. To be able to go to the Veikkaus pool betting service through Netbank, you must reside permanently in Finland and have a Finnish personal identity number.  Nordea does not charge a separate fee for this service. Oy Veikkaus Ab charges fees for betting according to its pricelist.

Insure hired household help with Varma's Pesti service

If you employ temporary household help, such as a nanny or a handyman, you can take care of the employee’s pension insurance at Varma’s Pesti service. You can declare your employees' personal and salary information as well as pay the premiums in the service. More information on the service is available varma.fi.

Questions and answers

Access codes

Prices and terms
Fee of access codes for Key Customers
Price
Monthly fee for access codes0,00 €

Prepaid access codes, one-time payment
(access codes for defined duration, service fee is charged when agreement is made)

50,00 €
Replacement of previous Netbank agreement or code card, one-time payment5,00 €
Mobile device gets lost, activation of a new code app, one-time payment0,00 €
Mobile device breaks down, activation of a new code app, one-time payment0,00 €
Code app in multiple mobile devices, activation of a new code app, one-time payment0,00 €
The access codes consist of a user ID, one-time codes and confirmation codes. In addition to the service fee for access codes, additional service-specific fees may be charged as laid down in the tariff. The codes can be used through different channels; connection fees and call expenses for these are charged by the telephone operator.

General agreement terms  (pdf, 101 KB) governing services with access codes

Secure use of access codes (pdf, 39 KB)

Netbanks viewing rights - terms and conditions (pdf, 71 KB)

Fee of access codes for Preferred Customers
Price
Monthly fee for access codes2,00 €

Prepaid access codes, one-time payment 
(access codes for defined duration, service fee is charged when agreement is made) 

50,00 €
Replacement of previous Netbank agreement or code card, one-time payment5,00 €
Mobile device gets lost, activation of a new code app, one-time payment0,00 €
Mobile device breaks down, activation of a new code app, one-time payment0,00 €
Code app in multiple mobile devices, activation of a new code app, one-time payment0,00 €
The access codes consist of a user ID, one-time codes and confirmation codes. In addition to the service fee for access codes, additional service-specific fees may be charged as laid down in the tariff. The codes can be used through different channels; connection fees and call expenses for these are charged by the telephone operator. 

General agreement terms  (pdf, 101 KB) governing services with access codes

Secure use of access codes (pdf, 39 KB)

Netbanks viewing rights - terms and conditions (pdf, 71 KB)

Fee of access codes for Check-in Customers
Price
Monthly fee for access codes0,00 €

Prepaid access codes, one-time payment   
(access codes for defined duration, service fee is charged when agreement is made)   

50,00 €
Replacement of previous Netbank agreement or code card, one-time payment5,00 €
Mobile device gets lost, activation of a new code app, one-time payment0,00 €
Mobile device breaks down, activation of a new code app, one-time payment0,00 €
Code app in multiple mobile devices, activation of a new code app, one-time payment0,00 €
The access codes consist of a user ID, one-time codes and confirmation codes. In addition to the service fee for access codes, additional service-specific fees may be charged as laid down in the tariff. The codes can be used through different channels; connection fees and call expenses for these are charged by the telephone operator.   

General agreement terms (pdf, 101 KB) governing services with access codes

Secure use of access codes (pdf, 39 KB)

Netbanks viewing rights - terms and conditions (pdf, 71 KB)

Normal fee of access codes
Price
Monthly fee for access codes3,00 €

Prepaid access codes, one-time payment
(access codes for defined duration, service fee is charged when agreement is made)

50,00 €
Replacement of previous Netbank agreement or code card, one-time payment5,00 €
Mobile device gets lost, activation of a new code app, one-time payment0,00 €
Mobile device breaks down, activation of a new code app, one-time payment0,00 €
Code app in multiple mobile devices, activation of a new code app, one-time payment0,00 €
The access codes consist of a user ID, one-time codes and confirmation codes. In addition to the service fee for access codes, additional service-specific fees may be charged as laid down in the tariff. The codes can be used through different channels; connection fees and call expenses for these are charged by the telephone operator.

General agreement terms (pdf, 101 KB) governing services with access codes

Secure use of access codes (pdf, 39 KB)

Netbanks viewing rights - terms and conditions (pdf, 71 KB)

Advice on online services

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Information security

Topical news, guidance and links on secure online banking.

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Download code app

With Nordea Codes app you can log into Netbank and Mobile Bank, pay securely for online shopping and identify yourself in Nordea Customer Service and in other service providers' services.