Preferred customer

Our Preferred Customers get many valuable benefits and discounts on banking and insurance services.

Preferred Customer Benefits Criteria Discounts Preferred Customer

By signing up for our Customer Programme as a Preferred Customer you get many valuable benefits on our banking and insurance services.

Your benefits include:

  • as much as 30% off access codes
  • other valuable benefits on everyday banking services
  • benefits on investments and loans

Preferred Customers get substantial benefits on everyday banking services

such as access codes and cards

Preferred Customers get as much as 30% off access codes

Access codes allow you to use Netbank and identify yourself when calling our Customer Service

Preferred Customers get many valuable benefits also on investment and loan services


You can sign up as a Preferred Customer in our Customer Programme if you or your family have with us:

  • an account for regular income*, and
  • products or services from at least three product groups, and
  • at least 6,000 euros in savings and loans.

Over 65-year-old Preferred Customers and their family members will stay on the Customer Programme level they have achieved even if the total amount of their savings and loans drops under 6,000 euros. They need only one product or service instead of products or services from three product groups.

Only customers who do not have non-performing credits or credits in collection can be in the Customer Programme. If you want to, the benefits will also be applied to your spouse or partner and all your children under 18 living at home.

Sign up your family for our Customer Programme by printing out and filling in te Family member form (pdf, 972 KB)Opens new window Please send it to the address below. You do not need a stamp as Nordea will pay the postage.

     2360 Asiakaspalvelu
     Tunnus 5001230-2501

You can also order the Family members form by calling our Customer Service.

* Regular income means that a total of at least 500 euros is deposited to current accounts during three consecutive months; salary, pension or business income, for example.

The total savings and loans of you and your family are included in banking in the Customer Programme.

All deposits in bank accounts, savings under investment and insurance policies of Nordea Life Assurance Finland, as well as investments in funds managed by Nordea Investment Fund Company Finland, bonds issued by Nordea Bank Finland, and all shares in Nordea's safe custody are considered savings. A joint account or investment is split equally between the parties.

Nordea credits as well as FlexiCredits and MasterCard credits, A1 car credits and Käyttöluotto credits granted by Nordea Finance Finland to the amount the limit or credit is in use are considered loans if they have been repaid according to agreement. A joint loan is split equally between the parties.

Product groups

  • Access codes
  • Trading services in Netbank
  • MasterCard or Visa
  • Visa Electron or Visa Dedit card
  • Direct debit, direct payment, e-invoice or electronic account statement
  • Housing loan or loan for holiday home
  • HomeFlex
  • FlexiCredit*, A1 car credit*, Käyttöluotto*, student loan or other credit from Nordea Bank Finland
  • PerkAccount, Growth Account, ASP Account or fund savings agreement**
  • InterestExtra Account, Fixed-interest Investment Account, Revolving Fixed-term Prime Account or DepositPlus account
  • Single investment in funds** 
  • Pension insurance*** 
  • Nordea Endowment, Target savings or Nordea Capital*** 
  • Securities in custody on a Nordea book-entry account 
  • Loan cover***,  Personal life insurance***, Interest Rate Cap or OwnGuarantee 
  • If's insurance policies bought via Nordea****

* FlexiCredit, A1 car credit and Käyttöluotto are granted by Nordea Finance Finland Ltd.

** Fund savings agreement or one-time investment in funds managed by Nordea Investment Fund Company Finland Ltd, eg Nordea European Fund.

***Insurances are granted by Nordea Life Assurance Finland Ltd. Insurance policies are sold by the branches of the agent Nordea Bank AB (publ), Finnish Branch.

****Insurances are available from If P&C Insurance Company


The Customer Programme has three levels: the basic level, Preferred Customer level and Key Customer level. Your level in the Customer Programme depends on your banking volume. The more products and services you use, the higher your level will be and you will be entitled to a wider range of benefits. We will make sure that you will always be on the highest possible level you are entitled to based on your business volume.

You will move from one level to another, as your banking volume changes:

  • You will move to a higher level when your banking volume has fulfilled the criteria for the higher level for two consecutive months.
  • You will move to a lower level when your banking volume has not fulfilled the criteria for your Customer Programme level for six consecutive months.
Everyday banking services

Preferred Customers
Current account0,00 €/ month2,00 €/month
Access codes2,00 € /month3,00 € /month
Bill payment with access codes in Netbank0,00 €0,00 €
MasterCard Gold debit/credit or credit,
monthly fee
4,70 €6,25 €
MasterCard Gold debit/credit or credit,
annual fee
56,00 €75,00 €
MasterCard Silver debit/credit or credit,
monthly fee
3,25 €4,30 €
Master Card Silver debit/credit or credit, annual fee
39,00 €52,00 €
Other services
Savings and investment services
Preferred Customers
Subscriptions to Nordea funds on the basis of a savings agreement0 - 0,5 % of the amount of the subscription
0 - 1 % of the amount of the subscription

PerkAccount (minimum interest 0,05%)

Nordea Prime -2,25%Nordea Prime -3,25 %
Safe-deposit box15 - 23 €/month20 - 30 €/ month