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Take your first steps towards a more secure financial future

As our customer aged 18 to 27, you get access to a range of benefits designed just for you. 

  • Daily banking services free of charge or Gold package with the cashback benefit for less than one euro per month. 
  • Benefits for a home of your own, such as a rental security deposit account with no opening fee and a 25% discount on If home insurance for the first year.
  • A wide selection of funds and ETFs, management fees starting from 0%. 
  • No custody fee for book-entry and equity savings accounts (normal price 2.45 euros per month). 
  • 50% discount on the management fees of a unit-linked insurance policy for savings up to 100,000 euros. 
  • A fund savings gift of 20 euros when you turn 18. 

You also enjoy all the benefits available to all Nordea customers, such as discounts on insurance policies.  

If you’re a Premium Customer, Value Customer or a student, you may be entitled to additional benefits, regardless of your age. For example, students can get a new student loan with no opening fee. 

See all our benefits for 18–27-year-olds 

Daily banking services for free or at a low package price

As our young customer, you can get daily banking services for free or at a low package price. 

Your package can include 1 to 2 payment cards, as well as online banking credentials and one or more current accounts. 

You get the package price when you choose us for all your daily banking needs, and your regular income, such as your salary or student financial aid, is paid to your account with us. 

Examples of our service packages

  • Gold package including a Nordea Gold and a Nordea Debit card for 0.99 euros per month (without a package 12.57 euros per month).  
  • Blue package including a Nordea Debit card for 0 euros per month (without a package 6.58 euros per month). 

The prices shown without a package are based on our standard tariff and assume one current account. 

Read more about our service packages

A credit card available for students

Blue and Gold - small

Usually, getting a credit card requires regular income, which is why many of our young customers start with a Nordea Debit card.  

However, if you’re a university student, you may also be eligible for the Nordea Gold or Nordea Credit combination card, even if you don’t yet have regular income. 

Read more about credit cards for students 

Discover Nordea Debit

Savings for young customers
Perks on savings and investments
Insurance and housing perks
Benefits for students

Our young customers can save more than 300 euros a year

We have made an example calculation that shows how a 25-year-old customer can save more than 300 euros per year with our customer benefits. 

The customer has the Gold package, which includes a Nordea Gold card for students and a Nordea Debit card, as well as a current account and online banking credentials. The customer gets the package price, as they use Nordea Mobile and their student financial aid is paid to an account with Nordea.

Nordea Gold includes travel insurance for trips abroad, which means that the customer can cancel their previous travel insurance, which cost 80 euros per year. Thanks to the cashback benefit included with the Nordea Gold card, they’ll also earn 30 euros per year back when they spend an average of 500 euros per month on their credit card. 

The customer lives in a block of flats and their If home insurance costs 100 euros per year. They have also opened a rental security deposit account with Nordea for their rented home. 

The customer has a student loan with Nordea, which gives them a 15% discount on Nordea’s personal insurance policies. They have taken out critical illness insurance for 50,000 euros. When taking out a student loan, they started investing in a fund and received a fund savings gift as a result.

In addition, they have invested 10,000 euros in unit-linked insurance and have an equity savings account.

Example calculation: Benefits for 18 to 27-year-olds in the first year
Customer benefitSavings in one yearPrice for young adults per year
Gold package with travel insurance and cashback248.96 euros11.88 euros
New home insurance from If, 25% off for the first 12 months25.00 euros75.00 euros
A rental security deposit account with no opening fee30.00 euros0.00 euros
15% off personal insurance16.81 euros93.43 euros
A fund savings gift in connection with a student loan20.00 euros0.00 euros
50% off the management fees of a unit-linked insurance policy20.00 euros 20.00 euros
No custody fees for equity savings account and book-entry account29.40 euros0.00 euros
Total390.17 euros200.31 euros

  • The price shown in brackets in the table is the customer’s annual cost for the services, based on our standard service tariff. 
  • The discount on If home insurance policies applies to all Nordea customers. If insurance policies are provided by If P&C Insurance Ltd (publ), branch in Finland.
  • The 15% discount on Nordea MyLife personal insurance policies applies to customers who have a loan with Nordea. For other Nordea customers, the discount is 10%. The insurance policies are provided by Nordea Life Assurance Finland Ltd or Nordea Insurance Finland Ltd. 
  • Our unit-linked insurance policies are issued by Nordea Life Assurance Finland Ltd.
  • Nordea Bank Abp acts as an agent for Nordea Life Assurance Finland Ltd, Nordea Insurance Finland Ltd and If P&C Insurance Ltd (publ), branch in Finland.

Perks on savings and investments

  • A wide selection of funds and ETFs, management fees starting from 0%. Our new Nordea Nordic Index Select Fund has a management fee of 0% until the end of 2027 and a management fee of 0.19% from 1 January 2028.
  • No trading fee for Nordea funds through our digital channels.
  • A maximum brokerage fee of 1% for Nordic listed shares and all ETFs on trades up to 800 euros. 
  • No custody fee for book-entry and equity savings accounts (normal price 2.45 euros per month). 
  • Free investment advice from our experts. 
  • 50% discount on the management fees of a unit-linked insurance policy for savings up to 100,000 euros. 
  • Streamer service for stock market tracking for 6 euros per month (normal price 12 euros per month). 
  • A fund savings gift of 20 euros when you turn 18. When you turn 18 and make an agreement on regular fund investments with at least one confirmed payment, we’ll gift 20 euros towards your fund investments. We will pay the 20 euros into your selected fund within three months from your first payment. 

Know your investment services

Insurance and housing perks

  • 10% discount on Nordea personal insurance policies. 
  • 25% discount on If home insurance policies for the first 12 months. 
  • Rental security deposit account with no opening fee. 

Explore insurance policies and the rental security deposit account 

Nordea MyLife personal insurance policies are provided by Nordea Life Assurance Finland Ltd or Nordea Insurance Finland Ltd, for which Nordea Bank Abp acts as an agent.

If's insurance policies are issued by If P&C Insurance Ltd (publ), branch in Finland, for which Nordea Bank Abp acts as an agent.

Benefits for students

Students are entitled to benefits from us regardless of their age.  

  • A new student loan with no opening fee when applied for through Nordea Mobile or Netbank. 
  • 15% discount on Nordea personal insurance policies for customers who have a student loan. 
  • Nordea Gold card for university students without a regular income. 

Explore benefits and services for students 

Nordea MyLife personal insurance policies are provided by Nordea Life Assurance Finland Ltd or Nordea Insurance Finland Ltd, for which Nordea Bank Abp acts as an agent.

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