InterestExtra Account

0.20 % Deposit interest

If you want saving to be flexible and easy, an InterestExtra Account is perfect for you. You will also accrue higher interest on your savings. Interest is determined for each offered period based on the market situation. You can use your savings in your InterestExtra Account whenever the need arises.

InterestExtra account Benefits Features Prices Terms and conditions InterestExtra account

Now is your chance to get a fine interest of 0.20 %!

Now on sale - only available to buy on the Private Netbank
Details
Sale period1 September 2016 - 29 September 2016 
InterestExtra period1  October 2016 - 30 September 2017
Minimum deposit500 euros
Maximum deposit100 000 euros
Interest for the sale period0.00 %
Interest for the InterestExtra period0.20 % * 

* The funds in the account are freely available without any withdrawal limits.
A withdrawal from the account affects the determination of interest in such a way that the interest for the InterestExtra period is paid on its lowest balance.

Benefits

Your benefits

  • You can start saving with 500 euros.
  • With this account, saving is easy and convenient.
  • You get higher interest on your savings.
  • You can use your savings in your InterestExtra Account whenever you need them.
  • An InterestExtra account is a safe saving alternative.
  • Your account is covered by the deposit guarantee.
Features

Interest is determined for each offered period based on the situation in the fixed income markets.
The deposit period consists of a sales period and an InterestExtra period. 

Interest for the sales period

Interest is fixed at 0.00%. Interest is calculated on the lowest balance of the month by calendar month. No interest is paid for the account's opening and termination month if the funds have not been in the account for the entire opening or termination month.

Interest for the InterestExtra period

Interest for each InterestExtra period is determined in advance at the beginning of the sales period. Interest is fixed for the entire 12-month period and it is paid on the lowest balance of the InterestExtra period according to calendar days. 

Interest is paid on the savings that are in the account no later than on the last day of the sales period. After the 12-month InterestExtra period, the account continues automatically with the sales period interest. The interest rate for the possible following InterestExtra period is determined during the sales period. You can make deposits exceeding the maximum amount determined for the InterestExtra period; the exceeding amount is paid interest according to interest during the sales period.

Impact of withdrawals on interest calculation

You can withdraw funds from your InterestExtra account without expenses at any time whenever the need arises. The funds withdrawn during the ongoing 12-month InterestExtra period do not accrue interest from the start date of the InterestExtra period to the withdrawal date.

A withdrawal decreases the interest rate agreed at the beginning of the interest period by 1/12. The deduction of the interest rate is made only once in a calendar month irrespective of the number of withdrawals made in that calendar month. The decreased interest rate is paid on the remaining capital from the beginning of the InterestExtra period.

The deduction of the interest rate is equal in size during different calendar months. The deduction is calculated of the original interest rate determined at the beginning of each InterestExtra period. Withdrawals can be made at Nordea branches. You can make credit transfers from your InterestExtra Account with your access codes in Netbank or through Mobile Bank, which can be downloaded to a mobile device..

Taxation

In Finland, deposit interest paid on accounts is subject to tax-at-source.

Prices

Deposit interest on InterestExtra Account
Deposit interest%
Interest for the sales period on the lowest balance of the month0,00%
Interest for the InterestExtra period on the lowest balance of the 12-month period0,20%
Interest paid on additional deposits on the lowest balance of the month0,00%

Interest for the sales period is calculated on the lowest balance of the month by calendar. No interest is paid for the account's opening and termination month if the funds have not been in the account for the entire opening or termination month.

Interest for each InterestExtra period is determined in advance at the beginning of the sales period. Interest is fixed for the entire 12-month period and it is paid on the lowest balance of the InterestExtra period according to actual calendar days. 

Interest is paid on the savings that are in the account no later than on the last day of the sales period. After the 12-month InterestExtra period, the account continues automatically with the sales period interest. The interest rate for the possible following InterestExtra period is determined during the sales period.

Impact of withdrawals on interest calculation

Funds withdrawn during the ongoing 12-month InterestExtra period do not accrue interest from the start date of the InterestExtra period to the withdrawal date.

A withdrawal decreases the interest rate agreed at the beginning of the interest period by 1/12. The deduction of the interest rate is made only once in a calendar month irrespective of the number of withdrawals made in that calendar month.

The decreased interest rate is paid on the remaining capital from the beginning of the InterestExtra period. The deduction of the interest rate is equal in size during different calendar months. The deduction is calculated of the original interest rate determined at the beginning of each InterestExtra period. 


*) InterestExtra period 1 October 2016 - 30 September 2017

Terms and conditions
Terms and conditions
Sales periodTerms and conditions
Sales period 1.9.2016 - 29.9.2016Terms and conditions (pdf, 262 KB)Opens new window
Sales period 1.8.2016 - 30.8.2016Terms and conditions (pdf, 280 KB)Opens new window
Sales period 1.7.2016 - 28.7.2016Terms and conditions (pdf, 261 KB)Opens new window
Sales period 1.6.2016 - 29.6.2016Terms and conditions (pdf, 262 KB)Opens new window
Sales period 1.5.2016 - 30.5.2016Terms and conditions (pdf, 262 KB)Opens new window
Sales period 1.4.2016 - 28.4.2016Terms and conditions (pdf, 262 KB)Opens new window
Sales period 1.3.2016 - 30.3.2016
Terms and conditions (pdf, 262 KB)Opens new window
Sales period 1.2.2016 - 28.2.2016Terms and conditions (pdf, 264 KB)Opens new window
Sales period 1.1.2016 - 30.1.2016Terms and conditions (pdf, 264 KB)Opens new window

Nordea’s general terms and conditions  (pdf, 196 KB)Opens new windowfor euro-denominated payments transmitted within the Single Euro Payments Area are applied to the account

Nordea's general terms and conditions (pdf, 48 KB)Opens new window for outgoing and incoming currency payments

Sales lots in 2015
Sales periodTerms
Sales period 1.1.2015 - 29.1.2015Terms and conditions (pdf, 193 KB)Opens new window
Sales period 1.2.2015 - 26.2.2015Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.3.2015 - 30.3.2015Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.4.2015 - 29.4.2015Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.5.2015 - 28.5.2015Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.6.2015 - 29.6.2015Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.7.2015 - 30.7.2015Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.8.2015 - 28.8.2015Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.9.2015 - 29.9.2015Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.10.2015 - 29.10.2015Terms and conditions (pdf, 262 KB)Opens new window
Sales period 1.11.2015 - 27.11.2015Terms and conditions (pdf, 262 KB)Opens new window
Sales period 1.12.2015 - 30.12.2015Terms and conditions (pdf, 246 KB)Opens new window

Nordea’s general terms and conditions  (pdf, 196 KB)Opens new windowfor euro-denominated payments transmitted within the Single Euro Payments Area are applied to the account

Nordea's general terms and conditions (pdf, 48 KB)Opens new window for outgoing and incoming currency payments

Sales lots in 2014
Sales periodTerms
Sales period 1.1.2014 - 30.1.2014Terms and conditions (pdf, 84 KB)Opens new window
Sales period 1.4.2014 - 29.4.2014Terms and conditions (pdf, 261 KB)Opens new window
Sales period 1.5.2014 - 29.5.2014Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.6.2014 - 29.6.2014Terms and conditions (pdf, 258 KB)Opens new window
Sales period 1.7.2014 - 30.7.2014Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.8.2014 - 28.8.2014Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.9.2014 - 29.9.2014Terms and conditions (pdf, 198 KB)Opens new window
Sales period 1.10.2014 - 30.10.2014Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.11.2014 - 27.11.2014Terms and conditions (pdf, 194 KB)Opens new window
Sales period 1.12.2014 - 30.12.2014Terms and conditions (pdf, 194 KB)Opens new window

Nordea’s general terms and conditions  (pdf, 196 KB)Opens new windowfor euro-denominated payments transmitted within the Single Euro Payments Area are applied to the account

Nordea's general terms and conditions (pdf, 48 KB)Opens new window for outgoing and incoming currency payments

Sales lots in 2013
Sales periodTerms
Sales period 1.10.2013 - 30.10.2013Terms and conditions (pdf, 84 KB)Opens new window
Sales period 1.9.2013 - 27.9.2013Terms and conditions (pdf, 94 KB)Opens new window
Sales period 1.8.2013 - 29.8.2013Terms and conditions (pdf, 84 KB)Opens new window
Sales period 1.6.2013 - 27.6.2013Terms and conditions (pdf, 84 KB)Opens new window
Sales period 1.5.2013 - 30.5.2013Terms and conditions (pdf, 84 KB)Opens new window
Sales period 5.4.2013 - 29.4.2013Terms and conditions (pdf, 84 KB)Opens new window
Sales period 1.3.2013 - 27.3.2013Terms and conditions (pdf, 85 KB)Opens new window

Sales lots in 2012
Sales periodTerms
Sales period 1.12.2012 - 28.12.2012Terms and conditions (pdf, 71 KB)Opens new window
Sales period 3.9.2012 - 27.9.2012Terms and conditions (pdf, 73 KB)Opens new window
Sales period 1.8.2012 - 30.8.2012Terms and conditions (pdf, 118 KB)Opens new window
Sales period 1.5.2012 - 30.5.2012Terms and conditions (pdf, 261 KB)Opens new window
Sales period 1.4.2012 - 27.4.2012Terms and conditions (pdf, 116 KB)Opens new window
Sales period 1.2.2012 - 28.2.2012Terms and conditions (pdf, 73 KB)Opens new window

Sales lots in 2011
Sales periodTerms
Sales period 1.11.2011 - 29.11.2011Terms and conditions (pdf, 254 KB)Opens new window
Sales period 1.8.2011 - 30.8.2011Terms and conditions (pdf, 325 KB)Opens new window
Sales period 1.7.2011 - 28.7.2011Terms and conditions (pdf, 79 KB)Opens new window
Sales period 1.4.2011 - 28.4.2011Terms and conditions (pdf, 78 KB)Opens new window
Sales period 3.1.2011 - 28.1.2011Terms and conditions (pdf, 246 KB)Opens new window

Sales lots in 2010
Sales period   Terms
Sales period 1.10.2010- 28.10.2010Terms and conditions (pdf, 246 KB)Opens new window
Sales period 1.7.2010 - 29.7.2010Terms and conditions (pdf, 84 KB)Opens new window
Sales period 1.3.2010 - 30.3.2010Terms and conditions (pdf, 246 KB)Opens new window

Sales lots in 2009
Sales periodTerms
Sales period 1.12.2009 - 30.12.2009Terms and conditions (pdf, 84 KB)Opens new window
Sales period 1.9.2009 - 29.9.2009Terms and conditions (pdf, 246 KB)Opens new window
Sales period 1.6.2009 - 29.6.2009Terms and conditions (pdf, 246 KB)Opens new window

Sales lots in 2008
Sales periodTerms
Sales period 1.8.2008 - 28.8.2008Terms and conditions (pdf, 246 KB)Opens new window
Sales period 2.5.2008 - 28.5.2008Terms and conditions (pdf, 970 KB)Opens new window

Advice for investments

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How to start investing

There is no reason to wait for the next salary raise – you should start saving now so that you will not regret postponing your saving decision a few years later.

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Saving and investment plan

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