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Open an account and services for your underage child online

Our online service is a convenient way of opening a disposal account for your child’s personal use and a PerkAccount for their savings. When your child’s banking needs increase, you can also order a card and open Netbank services for them.

When your child is ready for banking services

You can open a PerkAccount and a disposal account as well as apply for a Nordea Debit card and access codes for your child online.

There is no minimum age limit to the services but the parents decide on how old the child must be to be able to use banking services independently. The parents are liable for the use of the services by their underage child.

The guardians decide on the opening of accounts and services for an underage child’s banking together, so the approval of both guardians is needed for the application unless one of the parents has sole custody. The parents decide who has access to the child’s account. 

The best time to start saving for a child is today! If you start early and put money aside regularly, large savings may accrue for a child by the time they reach majority. Even small sums could turn into considerable wealth over time, and savers with a long-term saving horizon also benefit from the effect of compound interest.

Read more about saving for a childOpens new window

What you need for your application

What you need for your application

Passport or identity card with a photo and mobile phone numbers.

  • The parent’s passport or identity card with a photo issued in Finland Please note that a driving licence is not accepted.
  • The child’s passport or identity card issued in Finland when ordering a card or opening the Netbank service.
  • The child’s mobile phone number when ordering a card or opening the Netbank service.
  • Both guardian’s Finnish mobile phone number.

The child’s name must be registered in the Population Information System before opening services online, as we will check the child’s information in the Digital and Population Data Services Agency’s database.

How to apply
Advice for parents

How to apply

1.  Please fill in the child’s information and select the banking services for him or her. Banking services that you can open online for a child:
  1. Disposal account and Nordea Debit card 

    Please note that if you order a Nordea Debit card for your child online, a new disposal account will automatically be opened and the card will be linked to this account. If your child already has a disposal account to which you want to link a new card, please order the card by calling Nordea Customer Service. 

  2. PerkAccount for savings

  3. Access codes for mobile bank and Netbank

    Please note that the e-identification with which the child (if under 15 years of age) can log in to third-party services, such as Kela’s e-Services, must be activated in-branch. If a minor visits a branch alone, they will need powers of attorney from their parents. Customers who have turned 15 may activate the e-identification feature required for their online banking codes without their guardians’ permission when they themselves have opened an account and a Netbank agreement for their own income.

2.  One guardian will receive an SMS and confirm the application. The other guardian will need:  
  1. online banking codes of any Finnish bank 
  2. a passport or an identity card with a photo. 
3.  Nordea processes the application and notifies the guardians with an SMS once the services have been opened. 
4.  Activate the code app by logging in to the ‘Open services online for a child’ service and following the instructions in the service.

Know your customer – why does the bank ask?

Banks have a statutory obligation to identify and know their customers. In addition to the personal details, the bank must have sufficient information on the customer's business, financial position and origin of funds.

Read more about identifying of our customers

Identity documents accepted by Nordea

The bank must always be able to verify the customer's identity from an undamaged identity document accepted by the bank.

Read more about identity documents