- How can I open a corporate account?
You can open an account and other services for your company in a meeting over the phone if you have the right to represent the company and you have personal online access codes. Book a phone meeting by calling Nordea Business Centre, tel. 0200 26262 (local rates apply), Mon–Fri 9.00–16.30. Alternatively, you can sign up as our corporate customer on our website under Become a customer > Become a corporate customer online. The service allows you to identify yourself using the online access codes of other banks as well. We aim to process your application within five banking days.
- How can I open a book-entry account for my company?
To trade in any listed instruments, a company must open a book-entry account in its name. If the information on your company’s line of business in the Finnish Trade Register does not include investment operations, your company’s representative must deliver us the signed minutes of the board meeting in which the decision to open a book-entry account was made.
Depending on your company’s signature rules and company form, we may also need the minutes of the board meeting in which the decision to open a fund portfolio was made (note that these minutes are always required from registered associations and housing companies).
You can send us the minutes via Nordea Omaposti. To trade in listed instruments, your company also needs a valid Legal Entity Identifier (LEI). After your company has acquired the LEI, you can contact our customer service to open the book-entry account.
- How do I open an account for an association?
You can find instructions here.
- Do I have to open a corporate account if I’m a sole trader (toiminimi)?
If your activities as a sole trader require you to use corporate banking services, such as a payment terminal, a Web Service agreement, e-invoicing etc., you must open a corporate account.
- Where can I order secured cassette bags/settlement forms?
You can order the secured cassette bags and settlement forms for daily cash settlement at Loomis eStore. The online service is a self-service channel with ample instructions.
- How can I sign an e-invoice agreement for my company?
You can take the e-invoice service into use if you use the Nordea Business Netbank. You can send the request to open the service through Nordea/Omaposti or mail in Nordea Business Netbank or call Nordea Business Centre. The service has a ready-made form where you can fill in the details of your outbound e-invoice. If the recipient does not have an e-invoicing address, you can also select to send a paper invoice through the service, in which case Nordea will send a printed invoice to your customer.
You must agree on the receipt of e-invoices directly with your invoicer. All e-invoices you receive will be displayed on the front page of your Netbank for you to approve. You can start sending and receiving e-invoices as soon as the e-invoice agreement has been confirmed.
The E-invoice as File Transfer service is an alternative if you use accounting or financial administration software that supports the Finvoice file type. You can create outbound e-invoice files in your company’s financial administration system and send them through Nordea’s file transfer. Correspondingly, you can download the incoming e-invoice files from Nordea through file transfer and import them into your financial administration system for checking and accounting.
You can sign up for the E-invoice as File Transfer service in a phone meeting. You can book a meeting by calling Nordea Business Centre, tel. 0200 26262 (local rates apply), Mon–Fri 9.00–16.30. If you schedule a phone meeting, we will identify you with your personal online access codes.
- How can I recall a payment I made to the wrong account?
We cannot recall a payment without the recipient’s consent after the funds have been credited to their account.
We can, however, send a letter at your request to the recipient asking them to return the incorrect payment or give their consent for debiting the payment. The refund of the payment will be requested within about two weeks. The letter will also state that if the recipient does not return the funds, Nordea will disclose their information to the payer. If the payment is not returned or the recipient cannot be contacted, Nordea is entitled to inform you in writing of the name and address of the recipient.
For us to send the letter, we ask you to confirm the assignment with a message sent through mail in Netbank. Please include the following information in your message:
- number of the debit account
- payment date
- euro amount
- the incorrect account number you used
- the account number of the recipient to whom the payment should have been made
- the name of the recipient
You can also ask for a recall of a payment by calling Nordea Business Centre, tel. 0200 26262 (local rates apply), Mon–Fri 9.00–16.30.
- I have made a payment to a closed account by mistake. Will the money be returned to me automatically?
Credit transfers made to closed accounts will be returned automatically within 10 banking days.
- What is Nordea’s BIC/SWIFT code?
Nordea’s BIC/Swift code is: NDEAFIHH.
- I intend to make a payment abroad. What information do I need?
You can make a foreign payment order in Netbank under Payments > Foreign payments. You will need the recipient’s account number as well as their bank’s BIC/SWIFT code. You can find the instructions for making a payment by clicking ‘Instructions’ and selecting ‘Payments abroad’. If necessary, you can ask for help by calling Nordea’s E-support for Corporate Customers.
The payment type can be a payment order or an urgent payment order. A payment order is delivered within 3–7 banking days, while an urgent payment order is delivered within 1–3 banking days. The fee for a payment order is EUR 7.00, and for an urgent payment order the fee is EUR 32.00.
A payment order can be sent to the recipient in the full amount, or you can choose to have the payer and recipient each pay the fees charged by their respective banks. If you choose “I will pay my bank’s fees”, a currency payment will cost you EUR 7.00. If you choose “I will pay all fees”, you will be charged EUR 22 in addition to the EUR 7.00, and if the total fee is not sufficient to cover all expenses, you may be charged extra in arrears. The intermediary banks may also charge their own fees for intermediating your payment.
Please check the payment details and the fees to be charged on the confirmation screen. And please note that your payment cannot be cancelled after you have confirmed it.
- How can I deliver my account statements/reference payments/files directly to my accountant?
If you want to authorise an accounting firm to retrieve accounts statements and reference transactions or to send payments to the bank, you must send us a power of attorney for your payments. You can find the power of attorney here.
- How long does it take to make a credit transfer between banks?
Credit transfers made before 14.00 are transmitted to recipients during the same banking day. If a credit transfer is made after that time, the payment is transmitted to the recipient during the next banking day. This concerns all euro-denominated credit transfers from Nordea in Finland and in Europe.
If you make the payment as a SEPA instant credit transfer, the money will reach the recipient within seconds.
- How do I retrieve an electronic account statement in Nordea Business Netbank?
You can retrieve it in Nordea Business Netbank under Finances > Account Statement.
- Select the months you need. Remember that you need to include the whole month.
- Select the account statement you want from the list and click ‘Download selected’ in the bottom right corner of the page.
Electronic account statements can be retrieved in Nordea Business Netbank for 18 months.
- How do I order old account statements?
Your company’s electronic account statements can be retrieved for 18 months. If you need older account statements, please fill out the form for reordering account statements.
Read more about electronic account statements.
- How do I deposit cash to my corporate account?
You can deposit cash with your Business Visa Debit card or Nordea Business Deposit Card at TalletusOtto ATMs.
Daily cash settlements can also be lodged in a night safe. You need to conclude a cash supply services agreement with the bank on the use of night safes. You can book an appointment for concluding the agreement by calling Nordea Business Centre, tel 0200 26262 (local rates apply), Mon–Fri 9.00–16.30.
Read more about our cash services here.
- How can I get change for my company?
If your company handles a lot of cash, we recommend you make a transport agreement with a cash-in-transit service. The cash-in-transit service will come to your company at agreed times and bring the pre-ordered change and take the daily cash settlements to be counted. If the cash-in-transit service is able to fit the visit to your company to the cash-in-transit vehicle's route, the price of the service will be more affordable.
Read more about our cash services here.
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