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Secure use of cards

Debit and credit cards are safe to use if you store them carefully, set security limits on their use and use our code app to confirm your online purchases. Cards are a convenient method of payment when shopping in Finland, abroad and online.

Online shopping is more secure than ever

When making online purchases using your payment card, you are increasingly asked to confirm them. The easiest way to do this is with the Nordea Codes app.

Many online stores may have asked you to confirm your card purchases recently. The Payment Services Directive (PSD2) instructs card issuers to ensure that, when a card is used to pay online, the cardholder’s identity is strongly authenticated. In practice, a card issuer must offer the cardholder a chance to perform this strong authentication.   

At Nordea, strong authentication means using the code app or code calculator, which ensure that paying with a card is more secure than ever before. You can be certain that your payment is secure if you see one of these logos when confirming the payment: Mastercard Identity Check (previously Mastercard SecureCode) or Visa Secure (previously Verified by Visa). 

Activate our secure Nordea Codes app

In January, we will discontinue other authentication methods used for obtaining additional confirmation for card payments, namely a password by SMS and solutions based on a fixed password.

Even if you’re not a Nordea customer, you can obtain our code app for authenticating your identity when making card payments online.

Read how you can start using Nordea Codes app in all kinds of situations.

If you can’t activate the code app, please call Nordea Business Centre to ensure that you can make secure online purchases.

Confirming card purchases

How to confirm online purchases with the Nordea Codes app if you are a customer of another bank than Nordea

  1. Open the Nordea Codes app.
  2. Enter your personal identity number (ddmmyy-xxxx or ddmmyyAxxxx) in the user ID section and press OK.
  3. Enter the PIN of your choice.

How to confirm online purchases with the Nordea Codes app if you are a Nordea customer

  1. Open the Nordea Codes app.
  2. Enter your user ID for Nordea Netbank in the user ID section and press OK.
  3. Open the Nordea Codes app.

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What are Mastercard Identity Check (previously Mastercard SecureCode) and Visa Secure (previously Verified by Visa)?

The global payment card companies Mastercard and Visa have created the Mastercard Identity Check and Visa Secure  services, respectively, to authenticate both parties to a payment, the buyer and the merchant, at the time a purchase is made. 

Paying with a Nordea debit or credit card is easy. All you need to do is enter the card number, its validity and the card security code (which is referred to as CVC or CVV). Finally, you confirm your purchase with your Nordea access codes. The information you give, such as your access codes, is not transmitted to the merchant. The merchant only receives a confirmation of a successful identification in the form of a payment authorisation.

Cards are a convenient and secure method of payment for your online purchases


Enable online payments for your Business Visa Debit card and you can start shopping online. It’s free-of-charge and you can do it yourself:  

  • in mobile bank under your card settings 
  • in Netbank under “Cards”  
  • in Nordea Business
  • by calling Nordea Customer Service and identifying yourself with your online access codes

If you have a First Card or a Nordea Business Mastercard, you will be automatically asked to confirm your online purchases with the Nordea Codes app. All you need to do as the cardholder is install the app.

If you don’t receive a product or service you have bought online, please contact the seller first, and if you can’t settle the matter with them, file a card complaint.

Keep your card safe

Keep your card safe

  • Never keep the card and PIN in the same place. Always memorise the PIN.
  • Keep your card as safely as you keep your cash. Do not leave it unattended in a car, on a restaurant table, or in your office or hotel room.
  • Check regularly that you have not lost your card.
  • Never surrender the card’s number or its PIN via telephone, e-mail or in any other way when asked, even if inquirers present themselves as the bank’s employees or police officers.
Secure use