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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

Netbank access codes and identification alternatives

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

1. Code app – for mobile device users

The code app is an easy-to-use app that both personal and corporate customers can download from the app store for their mobile devices. The access codes are always in your mobile device. The code app will also guarantee secure banking in the future.    
Read more and download the code appOpens new window on your mobile device. 

2. Code calculator – for those who do not have a mobile device

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. The code calculator will also guarantee secure banking going forward.  
Read more about the code calculator.   

3. Code card

The use of code cards will end during Spring 2018. Replacement alternatives are the code app and the code calculator.

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.

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.

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.

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)Opens new window governing services with access codes

Secure use of access codes (pdf, 39 KB)Opens new window

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

Terms and conditions of fingerprint authentication in the code app (pdf, 75 KB)Opens new window

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)Opens new window governing services with access codes

Secure use of access codes (pdf, 39 KB)Opens new window

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

Terms and conditions of fingerprint authentication in the code app (pdf, 75 KB)Opens new window

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)Opens new window governing services with access codes

Secure use of access codes (pdf, 39 KB)Opens new window

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

Terms and conditions of fingerprint authentication in the code app (pdf, 75 KB)Opens new window

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)Opens new window governing services with access codes

Secure use of access codes (pdf, 39 KB)Opens new window

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

Terms and conditions of fingerprint authentication in the code app (pdf, 75 KB)Opens new window

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