Nordea Loyalty Programme

Here’s how we’ll simplify our Loyalty Programme

We will update our Loyalty Programme effective from 1 May 2026 to provide our customers with even more valuable benefits.

We will keep our existing customer group Premium Customers, but also introduce a new customer group called Value Customers. As our Value Customer, you’ll enjoy lower prices and a wider range of services. In the updated Loyalty Programme, 500,000 Finns will be designated as Value Customers.
We want to help young adults take their first steps towards growing their wealth. We will offer more benefits for 18 to 27-year-olds, including lower prices of investment services.
We will expand cashback rewards in our card range. With the cashback feature, you get money back when you use the credit facility of your Nordea Gold or Nordea Platinum to pay for your purchases. This feature is already available with Nordea Platinum, and it will be introduced for Nordea Gold on 1 May 2026.

Enjoy your new benefits from 1 May 2026 onwards

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You can see your new customer group and the related benefits in a letter that we will send you in January or February. If you have Nordea access codes, you will receive the letter in the Messages section in Nordea Mobile and Netbank.

We will help you grow your wealth and make your dreams come true

Our Loyalty Programme supports your wealth building journey step by step so that you can make your dreams come true. The more you bank with us, the more you will benefit – both in the form of lower prices and wider support from our experts.

All customers

As a Nordea customer, you have access to services that allow you to do your everyday banking smoothly and save for your dreams.

Examples of your benefits:

Low prices for daily banking services
Low prices for small-scale investors and free investment advice
Award-winning digital banking services

Value Customer

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You qualify as a Value Customer when you have a home loan with us or savings and investments totalling over 30,000 euros.

Examples of your benefits:

Daily banking services free of charge or at a low package price if you have Nordea Gold
Free FlexiPayment that allows you to adjust your monthly home loan payment without asking us first
50% off the price of the Streamer service for stock market tracking

Read more about our benefits for Value Customers

Benefit the most

Premium Customer

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You qualify as a Premium Customer if you or your family have combined savings and investments of at least 100,000 euros or a home loan of 400,000 euros or more plus investments.

Examples of your benefits:

Daily banking services free of charge or at a low package price if you have Nordea Platinum
A dedicated wealth adviser and access to our Premium Customer Service
Investment products tailored for Premium Customers

Read more about our benefits for Premium Customers

Benefits for young adults

We offer many benefits to our customers aged 18 to 27, helping them get started on their wealth building journey. Examples of benefits for young adults:

Daily banking services free of charge or at a low package price if you have Nordea Gold
No custody fee for book-entry and equity savings accounts
50% off the management fees of a unit-linked insurance policy

We also offer perks for students regardless of their age. For example, students get a new student loan with no opening fee.

Read more about our benefits for young adults

The idea of better payments

We are updating our card selection to bring you even more benefits and exclusive offers.

Cashback rewards also available with Nordea Gold

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With our unique cashback feature, you get money back when you pay for your purchases with your credit card. This feature is already available with Nordea Platinum, and it will be introduced for Nordea Gold on 1 May 2026.

Learn more about cashback

Nordea Platinum with extensive benefits

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Nordea Platinum is now available to all our customers. Nordea Platinum is a first-class credit card by Mastercard that combines the best of travel and payment benefits.

Discover Nordea Platinum

Best services for investors

Lowest brokerage fees in share and ETF trades for small-scale investors. The maximum brokerage fee is 1% when you trade for less than 800 euros. This benefit covers the Helsinki, Stockholm, Oslo and Copenhagen stock exchanges and all ETFs. Read Kauppalehti’s comparison of brokerage fees (December 2024, in Finnish)
Low-cost passive funds – we reduced the management fee for our passive funds to 0.37%.
Plenty of options – you can trade in more than 2,500 different instruments across more than 20 marketplaces. You also have more than 1,200 funds to choose from.
Invest and track your finances with the best mobile banking app in the Nordics. Explore the awards received by Nordea Mobile
Flexible savings accounts for investors. One option is FlexiDeposit that offers attractive interest rates and the freedom to withdraw funds at any time. Choose a deposit period of 1, 3 or 12 months.
A wide range of equity research at a low cost.
Investment advice available for all investors. Premium Customers also enjoy the services of a dedicated wealth adviser.

Frequently asked questions about Loyalty Programme

How can I join your Loyalty Programme?

All our personal customers are automatically included in the Loyalty Programme, so you don’t need to join it separately.

Our updated Loyalty Programme becomes effective on 1 May 2026, and your new benefits will be available to you automatically after this date.

Where can I check my customer group?

We will send you a customer letter in January or February with information about your customer group.

If you have Nordea access codes, you will receive the letter in the Messages section in Nordea Mobile and Netbank.
If you don't have Nordea access codes, you will receive the letter on paper by post.

Your customer group depends on how much you bank with us. The information in the letter about your new customer group is based on data in our systems on 30 November 2025.

Why haven’t I received the customer letter?

We will send a letter to all our customers affected by the updates in January or February. If you have Nordea access codes, you will receive the letter digitally in Nordea Mobile and Netbank. If you don't have Nordea access codes, you will receive the letter on paper by post.

These updates do not affect children under 18 and estates, so they will not receive a letter.

How can I become a Value or Premium Customer?

Your customer group depends on your banking volume. The more you bank with us, the higher you can climb. We will help you move your banking to us and prepare a personal plan for building your wealth, for example.

Note: The limits applied to Value Customers are personal, but with Premium Customers, we look at the combined banking volume of the entire family. You can become a Premium Customer based on your family’s banking volume.

Why are you updating your Loyalty Programme?

We are updating our Loyalty Programme to meet the changing needs of our customers. We want to make banking with us easier, clearer and more transparent than ever and to support our customers’ wealth building journey. With the updates, we will introduce a new customer group called Value Customers and offer competitive pricing and extensive benefits for all life situations.

Customer benefits at Nordea, effective from 1 May 2026

With us, all customers are rewarded. The more you bank with us, the more you will benefit.

How much can you save?

Examples of discounted prices as of 1 May 2026

See examples of prices and how much you can save if you’re our Premium or Value Customer or a young adult.

Premium Customer – save up to 1,570 euros a year

Example calculation: Premium Customer benefits in the first year
Customer benefit	Premium Customer price	Normal price	Savings in one year
Platinum package	€ 71.88	€ 203.88	€ 132.00
New home insurance from If, 25% off for the first 12 months	€ 375.00	€ 500.00	€ 125.00
FlexiCredit with a lower margin	€ 258.24	€ 816.10	€ 557.87
MyLife personal insurance policies at a discount of 10%	€ 434.13	€ 483.34	€ 49.21
Home loan arrangement fee and transaction closing fee at a 50% discount	€ 635.00	€ 1,270.00	€ 635.00
Streamer service at a 50% discount	€ 72.00	€ 144.00	€ 72.00
Total cost savings			€ 1,571.08

You will qualify for the Platinum package when you have our mobile banking app, a Nordea Platinum card and a current account for your regular income. You can have a Nordea Debit, Nordea Credit or Nordea Gold card in addition to Nordea Platinum.
The discount on If home insurance policies applies to all Nordea customers. The example is based on a detached house with annual insurance premiums of 500 euros. If insurance policies are provided by If P&C Insurance Ltd (publ), branch in Finland.
The margin discount for FlexiCredit is calculated for the first 12 months. The example uses a loan amount of 10,000 euros, a monthly payment of 250 euros and a 3-month Euribor rate of 2.029%.
The 10% discount on MyLife personal insurance policies applies to all Nordea customers. The example is based on a 35-year-old customer with a life insurance policy of 100,000 euros, a critical illness insurance policy of 50,000 euros and a permanent disability insurance policy of 50,000 euros. The insurance policies are provided by Nordea Life Assurance Finland Ltd or Nordea Insurance Finland Ltd, for which Nordea Bank Abp acts as an agent.
The calculation of the home loan arrangement fee and transaction closing fee is based on a home loan of 300,000 euros and a digital closing (DIAS).

Value Customer – save up to 650 euros a year

Example calculation: Value Customer benefits in the first year
Customer benefit	Value Customer price	Normal price	Savings in one year
Gold package	€ 11.88	€ 83.88	€ 72.00
New home insurance from If, 25% off for the first 12 months	€ 375.00	€ 500.00	€ 125.00
FlexiCredit with a lower margin	€ 533.13	€ 816.10	€ 282.97
Up to 20% discount on MyLife personal insurance policies for customers who have a loan from us	€ 386.46	€ 483.34	€ 96.88
Streamer service at a 50% discount	€ 72.00	€ 144.00	€ 72.00
Total cost savings			€ 648.85

You will qualify for the Gold package when you have our mobile banking app, a Nordea Gold card and a current account for your regular income. You can have a Nordea Debit or Nordea Credit card in addition to Nordea Gold.
The discount on If home insurance policies applies to all Nordea customers. The example is based on a detached house with annual insurance premiums of 500 euros. If insurance policies are provided by If P&C Insurance Ltd (publ), branch in Finland.
The margin discount for FlexiCredit is calculated for the first 12 months. The example uses a loan amount of 10,000 euros, a monthly payment of 250 euros and a 3-month Euribor rate of 2.029%.
The 20% discount on MyLife personal insurance policies applies to customers who have a loan from Nordea. The example is based on a 35-year-old customer with a home loan, who pays their insurance premiums in connection with their loan repayments. The customer has a life insurance policy of 100,000 euros, a critical illness insurance policy of 50,000 euros and a permanent disability insurance policy of 50,000 euros. The insurance policies are provided by Nordea Life Assurance Finland Ltd or Nordea Insurance Finland Ltd, for which Nordea Bank Abp acts as an agent.

Young adult – save up to 300 euros a year

Example calculation: Benefits for 18 to 27-year-olds in the first year
Customer benefit	Price for 18to 27-year-olds	Normal price	Savings in one year
Gold package	€ 11.88	€ 83.88	€ 72.00
New home insurance from If, 25% off for the first 12 months	€ 375.00	€ 500.00	€ 125.00
MyLife personal insurance policies at a discount of 10%	€ 292.65	€ 325.82	€ 33.17
Streamer service at a 50% discount	€ 72.00	€ 144.00	€ 72.00
50% off the management fees of a unit-linked insurance policy	€ 20.00	€ 40.00	€ 20.00
No custody fees for equity savings account and book-entry account	€ 0.00	€ 58.80	€ 58.80
Total cost savings			€ 302.17

You will qualify for the Gold package when you have our mobile banking app, a Nordea Gold card and a current account for your regular income. You can have a Nordea Debit or Nordea Credit card in addition to Nordea Gold.
The discount on If home insurance policies applies to all Nordea customers. The example is based on a detached house with annual insurance premiums of 500 euros. If insurance policies are provided by If P&C Insurance Ltd (publ), branch in Finland.
The 10% discount on MyLife personal insurance policies applies to all Nordea customers. The example is based on a 25-year-old customer with a life insurance policy of 100,000 euros, a critical illness insurance policy of 50,000 euros and a permanent disability insurance policy of 50,000 euros. The insurance policies are provided by Nordea Life Assurance Finland Ltd or Nordea Insurance Finland Ltd, for which Nordea Bank Abp acts as an agent.
Customers under 30 get a 50% discount on unit-linked insurance for savings up to 100,000 euros. In the example, the 25-year-old customer has an investment of 10,000 euros. Nordea´s unit-linked insurance policies are issued by Nordea Life Assurance Finland Ltd for which Nordea Bank Abp acts as an agent.

The most flexible home loan on the market