Frequently asked questions
- How can I add flexibility to my housing loan repayments?
Nordea’s new housing loans come with a FlexiPayment feature which allows you to take a break from the instalments or pay only part of the instalments in addition to the interest. Another option is to apply for a payment holiday. We apply normal credit-granting procedures to FlexiPayment and instalment-free periods, considering any exceptional circumstances.
- When will the instalment-free period I applied for become valid?
Your instalment-free period and FlexiPayment will become valid as of the next loan repayment. Please apply for the change well in advance of the due date on your next repayment to avoid potential delays in making the changes you have requested because of a temporary overload in our Customer Service.
If you have an existing FlexiPayment feature, please note that you must make the changes to your loan repayment before 23.00 on the day preceding the original due date. If the original due date of the repayment is on a Saturday and the debiting of the repayment is automatically postponed until Monday, you still need to make the change by 23.00 on Friday. If the original due date of the repayment is on a Sunday and it will be charged on Monday, you need to make the change by 23.00 on Saturday.
- My card doesn’t work, what should I do?
There may be various reasons for why your card isn’t working. Read more on our page “When your card is not working”Opens new window where we have compiled the most typical situations in which your card might not be working and instructions on how to fix it.
- How do I report a lost card and file a complaint?
If your card is lost or fallen into the wrong hands, it’s important to act fast. In mobile bank, you can instantly block the use of the card temporarily or cancel the card permanently. If your card has fallen into the wrong hands and you notice transactions in your account you don’t recognise, file a card complaint. See our instructions on what to do when your card is lost or you want to file a card complaint.Opens new window
- What do I do if I have excess balance in my credit account due to a refund?
If you have excess balance in your credit card account due to a refund from a travel agent or an airline, for example, you don’t necessarily have to do anything. You can use the excess funds that exceed the credit amount granted on your credit card as usual. You don’t pay any interest on payments made from the excess balance.
If you want to transfer the excess funds to your bank account, please contact our Customer Service and we will transfer the money on your behalf free of charge.
Self-service transfers are subject to a fee in accordance with our tariff.
- I have forgotten my PIN. Where can I find it?
You can check your PIN easily and free of charge from either mobile bank or Netbank. In mobile bank, you can check your PIN by selecting the card and tapping PIN code -> Show PIN. In Netbank, you can check your PIN under Overview or Finances -> Cards -> select card -> View PIN -> Show PIN.
- How can I add flexibility to my credit card or consumer credit repayments?
Nordea’s credit cards and FlexiCredit offer several ways to ease your financial situation. You can get instalment-free months or decrease the instalment percentage for your credit card repayments, for example. You can make these changes to your card settings in Netbank.
- How can I terminate my account?
You can terminate your account by contacting Nordea Customer Service via chat, netbank message or by calling, tel 0200 70 000 (local network charge/mobile call charge). You can log in to chat with other banks’ online banking codes, too.
- Where can I find my PerkAccount statement?
The location of PerkAccount e-statements has changed as of 1 October 2020.
E-statements covering transactions registered in September 2020 or later will be available in the new Netbank under Finances > Documents.
The e-statements created between 25 February 2020 and 30 September 2020 will remain available in both the new and old Netbank under Contact > Agreements and documents. Older e-statements created before 25 February 2020 are available in the old Netbank under Everyday finances > Documents. A new e-statement will be created two banking days after the end of the previous month at the earliest.