The use of the paper code card ends – start using an electronic identification method today!

The printed code card will no longer be accepted as e-identification and when logging in to Netbank. In future, strong identification will also be required for online purchases.

The identification process will become simpler as the code app can be used for all services

The use of the printed code card will first end in e-identification gradually during August–September. After this, e-identification will only function with the code app and code calculator. E-identification means a service in which you use your online banking codes for logging in to another service provider's services. For instance, logging in to My Kanta Pages (kanta.fi) and MyTax (vero.fi) services will be renewed on 27 September.

Once the service provider has started to use the new e-identification, users of its online service will be directed to a new e-identification page. In future, you will select the identification method (code app, code calculator or code app in offline mode) from the icons displayed, after which you will write your user ID on the appropriate line.

Login to Netbank with a code card will end at a date to be specified later this year. In future, you will need either the code app or the code calculator for Netbank as well.

Similarly, you will need your online banking codes for card payments more often, as in future online card payments will have to be separately confirmed with online banking codes. After the change, online purchases will be more secure than before.

The new E-Identification login page

New Nasa login page in mobile

Two acts related to online identification

  • A new pan-European payment services act PSD2, effective as of 14 September, and 
  • an act on strong electronic identification, applicable in Finland only, in force from 30 September onwards. 

These acts together will bring major changes to all strong online identification. For further information on the new regulation, please visit the website of the Finnish Financial Supervisory Authority, for example.

Not yet using the code app or code calculator?

If you are not yet using a code app or code calculator, please start using one now. Download the code app on your smart phone or tablet from an app store. If you do not have a mobile device, you can order a code calculator in Netbank. Our visually impaired customers get a talking code calculator with a larger screen from any Nordea branch free of charge. For other customers, this option is subject to a fee.

When using the code app, you only have to remember your PIN code. The app will calculate one-time codes and transmit them encrypted to the bank. The code calculator is lightweight, compact, and handy to carry, for example, in the card pocket of your wallet. Its use is also encrypted with a PIN.

We recommend that you download the code app on two devices, such as a tablet or a family member’s mobile phone. You can also add several users for one device. By doing this, you ensure that you can continue banking normally even if you lose or break one of your devices.

We will help you to set up the new tools

on the phone, via chat and at our branches. If you need more detailed advice on the use of digital tools, please come to one of our digital guidance sessions.

Other operators’ account information and payment order services

In future, you will be able to authorise a payment service provider licensed by the Finnish Financial Supervisory Authority to retrieve your account information and to make payments from your payment accounts with various banks within the EU area. In this case, you will personally give the authorisation to the service provider and no one else can access your information without your permission. This may lead to the creation of new kinds of services, such as a service in which your account information with several banks will be compiled in a single report.

We will help you with the adoption of the new tools

on the phone, via chat and at our branches. If you need more detailed advice on the use of digital contents, please come to one of our digital guidance sessions.

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Kysymyksiä ja vastauksia aihealueittain

Logging in to services

Will I still be able to log in to Personal customers’ Netbank with the code card in future?

Yes, for now. Personal customers’ Netbank will be replaced by a new netbank which will no longer accept login with the code card. In future, either the code app or the code calculator will be our customers’ only means of authenticating themselves for the services of the bank and other online service providers, such as My Kanta Pages, and MyTax.

I don’t want to switch to electronic authentication. Can I continue to use the code card?

The code cards will no longer be accepted as a means of authentication next year, so the code app and the code calculator will be the only means of authentication in the future. Electronic identification is the safest means of authentication for customers, and it fulfils the requirements of the Payment Services Directive (PSD2).  You will be able to log in to the new netbank, which is a replacement for the current Personal customers’ Netbank, only with the code app or the code calculator.

Why will the paper code card no longer be accepted as a means of e-identification?

The current paper code card will no longer meet the regulatory requirements that enter into force in September and this is why Nordea will stop offering the code card in its other services as well. Thus the code card can no longer be used for authentication in other service providers’ services after the renewal of the e-identification service.

Will there be also other services that can no longer be used with the code card?

Yes. Using the code card for logging in to third service providers’ services is called “e-identification” and this service will also be renewed. The various service providers will migrate to the new authentication service during August–September.

The most significant change will take place on 27 September when the suomi.fi service adopts the new service. As of this date, the code card will no longer be accepted as a means of authentication in any public services, such as MyTax, My Kanta Pages, Kela and city services.

What does e-identification mean?

E-identification refers to a service where you use your online banking codes to log in to another service provider’s services, such as My Kanta Pages (kanta.fi) or MyTax (vero.fi).

Does this change concern all banks?

Yes. The new regulation concerns all banks.

I'm trying to log in to online service X but I get a notification that says that I’m logging in to the service of Signicat/Telia/OP/Nordea/NETS Authentication. What is this about?

Transmission service companies act as intermediaries between the public services and the companies offering authentication services (such as banks). The purpose of transmission services is to enable the use of authentication services in various online services. If you are told that your data is going to a transmission service, this means that the bank will transmit your data to a transmission service company, which will then forward the data to the service you are logging in to. This is entirely secure and corresponds to a means of authentication required for strong authentication.

Some banks are using various means of authentication or additional means of confirming the code card – why does Nordea not have such means?

Nordea has replaced code cards with the code app and the code calculator which are secure, easy to use and suit every customer as such. These modern authentication methods have been developed and tested in collaboration with our customers and they have proven to be easy and to function well. Furthermore, they fulfil even the strictest requirements laid down in the EU regulation.

What does it mean that Nordea’s code app and code calculator are means of strong customer authentication?

Both a PIN and the code app or code calculator are used for authentication.

Generally, strong customer authentication is performed when two of the following three elements are used to authenticate identity:

  • something only the user knows, a PIN, a password
  • something only the user possesses, such as their personal code app or code calculator
  • something the user is – a biometric feature, such as their fingerprint, iris, face or voice.

Payments and cards

What will change in card payments upon the entry into force of the new PSD2-payments services directive?

Strong authentication will become mandatory in card payments, so paying with a card online and in mobile apps will be more secure than before. Strong authentication means that payments can no longer be made with a card number and CVC code alone; the customer must be authenticated using online banking codes.

How will the changes affect online stores?

Card payments will become more secure in online stores and mobile services thanks to PSD2. Payments can no longer be made with a card number and CVC code alone; the customer must be authenticated using strong authentication. Online retailers will carry out strong authentication through the customer’s personal online banking codes (including those obtained from other banks than Nordea). A new or renewed card must be activated before it can be used. Instructions for the activation will be delivered to you together with your new card.

Will the PSD2 bring something new for Nordea’s customers?
  • Card payments in online stores and mobile apps will become more secure once the PSD2 regulatory requirements are implemented. Payments can no longer be made with a card number and CVC code alone; the customer must be authenticated using strong authentication. Online retailers will mostly carry out strong authentication through the customer’s personal online banking codes (including those obtained from other banks than Nordea).
  • You can give a third party (e.g. a bank, a fintech company or an ERP vendor) consent to access your account information from all your bank accounts in the EU.
  • You can give a third party (e.g. a bank, a fintech company or an ERP vendor) consent to make payments from your accounts held in different banks.
How will the changes show in card payments?

Payment transactions made at points-of-sale must perform strong authentication using a chip and a PIN. Contactless payment transactions will be accepted as before: the contactless payment limit is 50 euros and a PIN must be entered if the payment terminal requests it. However, card payments can no longer be confirmed with the cardholder’s signature.

How can I make sure I’m ready for the changes ushered in by PSD2 and that they won’t cause me problems? Where can I get help?

When you are making online purchases, be prepared to confirm your purchases either with the code app or the code calculator. In shops and at payment terminals, you can use the contactless payment feature or confirm the purchases with your PIN. Start using the code app or the code calculator to be able to authenticate yourself for third-party services, such as MyTax, My Kanta Pages or Kela.

Will the new directive benefit Nordea’s customers in any way, or will it just cause extra hassle?

The purpose of the directive is to enhance consumers’ rights, promote competition in the banking sector and increase the range of services available to customers. The directive provides customers with the possibility of using third-party apps for managing their accounts and making payments.

The requirement of the directive for strong customer authentication in electronic payment transactions such as online payments and online use of a payment account aims to make e-commerce more secure and reduce fraud.

Account and payment services of third parties

Does Nordea disclose customer information to other operators/service providers without the customer’s consent?

We never disclose customer information to any third-party operators without the customer’s consent. The customer may authorise a third-party operator to obtain information from Nordea or other banks. If the customer wants to withdraw the operator’s authorisation to obtain information, they must contact the operator or service provider concerned directly. Nordea may not terminate the authorisation.

I have authorised a third-party operator to obtain my information from Nordea and want to withdraw the authorisation. What should I do?

You should contact the third-party operator to withdraw the authorisation. Nordea has no knowledge of which parties customers have authorised to disclose information.

How do I cooperate with third parties?

You should read the terms and conditions of the service carefully before accepting them so that you know what you consent to when you start using the service.