Our customer base is mainly Nordic

Banking and financial services are heavily regulated across the world. Nordea’s products and services are designed to suit people residing in the Nordic countries and to comply with the Nordic regulations and taxation. Our full service selection is available to you when your country of residence is Finland, Sweden, Denmark or Norway.

If you reside in a country belonging to the European Economic Area (EEA), you have access to Nordea’s comprehensive basic banking services. The EEA includes the member states of the European Union plus Iceland, Liechtenstein and Norway. If you reside outside these countries, you will need a specific reason for becoming our customer.

If you are already our customer, you won’t need to contact us separately about your place of residence, as we will update your customer information in connection with your banking or otherwise at regular intervals and contact you as necessary.

If you reside in the EEA

If you reside in one of the EEA countries, you will have the following basic banking services available to you: a current account, a debit card, our mobile and online banking services and the Nordea ID app or the code calculator. You may also get access to other services on the basis of our overall consideration.

If you reside outside the EEA 

If you are our customer and reside outside the EEA, we will go through your overall situation in connection with your banking or while updating your customer information. We will contact you if we need more information. 

In certain circumstances, we can start a customer relationship with a person not residing in the EEA on the basis of their overall situation.

The factors we take into account in our decision-making include a temporary stay abroad due to work or studies, a salary or pension paid from Finland and a strong connection to Finland. Note, however, that owning assets in Finland is not by itself a sufficient basis for a customer relationship.

If there are sufficient grounds for starting a customer relationship, we will determine which basic banking services and other services we can offer you on the basis of our overall consideration.