Questions and answers about accounts and transfers

The easiest way to open a Current account and order a card linked to it is to do it in Nordea Mobile or Netbank. To open an account, go to Services, then Accounts and payments. 

Open a Current account

If you need to open an account for a minor, please use our online service for opening banking services for a child.

To close your account, please contact us via chat or call our Customer Service. The easiest way to call is from the Help tab in Nordea Mobile because your identity has already been verified in the app. You can identify yourself in the chat also with other banks’ online banking codes.

In Netbank you can find the digital account statements by selecting your name and then select Documents. For the most recent account statements, select Archive. Open the Archive in Netbank

In Nordea Mobile the digital account statements are available under your Profile, select Documents and then Archive.

It takes at least three banking days after the end of the previous month before you can retrieve the latest account statement in Nordea Mobile and Netbank. The account statement is created only if you have had transactions in the account.

Account statements will be stored for the current year plus six years.

In Netbank you can find the digital account statements covering PerkAccount by selecting your name and then select Documents.  Open the Archive in Netbank

In Nordea Mobile the digital account statements are available under your Profile, select Documents and then Archive.

In Nordea Mobile or Netbank, open your FlexiDeposit account details and press Withdrawal or Deposit button.

To confirm online payments, you will need either the Nordea ID app, the Nordea ID device or code calculator.

You can delete a recurring payment in Nordea Mobile or Netbank.

In Nordea Mobile, go to Payments and e-invoices, then Upcoming and select the payment you want to delete and tap Delete. In Nordea Netbank, go to Payments, then Outgoing payments and press the payment you want to delete and select Delete.

Delete recurring payment

To cancel an e-invoice subscription, you will need to select the invoicer from your list of e-invoice subscriptions.

In Nordea Mobile, go to Payments and e-invoices, then E-invoices and select the e-invoice subscription you want to cancel from the list and tap the trash can icon (Cancel e-invoice). In Nordea Netbank, go to Payments, then E-invoices and select the e-invoice subscription you want to cancel from the list and click on the trash can icon next to it.

Cancel e-invoice 

A currency payment refers to any payments made in a foreign currency or to euro-denominated credit transfers to destinations outside the Single Euro Payments Area (SEPA).  To make an ordinary payment in euros within SEPA, select Payments and e-invoices, then Pay in Nordea Mobile, or Payments followed by New payment in Nordea Netbank.

To make a currency payment, select Payments and e-invoices, then press the currency payments icon in Nordea Mobile, or select Payments, then Currency payments in Nordea Netbank.

Currency payments are an additional service that is available in Nordea Mobile and Netbank only to those who have activated it. If you would like to make a currency payment but the function is unavailable in your Nordea Mobile and Netbank, you can call us to request its activation. Once it has been activated, you will see it in Nordea Mobile and Netbank the next time you log in again.

You can send currency payments to almost any country in the world.

The countries excluded from our digital channels (Nordea Mobile and Netbank) are high-risk countries identified by the European Union as having major deficiencies in combatting financial crime.

You can send currency payments to these high-risk countries determined by the EU (excluding certain countries prohibited by sanctions legislation) by contacting our customer service.

This allows us to safeguard our customers’ interests in the long term, protect the assets in our customers’ accounts from fraud and ensure secure international payments now and in the future.

In Nordea Mobile, you can transfer money from an account you have with another bank to your Nordea account. You will need your online banking credentials from the other bank to confirm the transfers.

1. Open Nordea Mobile.
2. Tap Transfer, then tap From account.
3. Scroll down.
4. In the Other banks section, tap Account with another bank and fill in the necessary details for the transfer, including the account you want to transfer money to and the amount.
5. Tap Select account with another bank to select your other bank. Select your bank, log in with the other bank’s credentials and follow the instructions.
6. Confirm the payment and the transfer will be made to your Nordea account.

Note:

• You can use the Transfer feature in Nordea Mobile to transfer money from an account you have with another bank to your Nordea account if you are using Nordea Mobile version 4.23 or newer.
• The service supports accounts in the following banks: Danske Bank, OP, S-Pankki, Ålandsbanken and Revolut.​
• The duration of the transfers depends on the payment processing time of your other bank. You can check the processing time with the bank.

The default account becomes the primary account for payments and e-invoices. Note that if an account with two holders is set as the default account, all e-invoice summaries and transactions will be visible for both account holders.

How to change your default account in Nordea Netbank:

1. Go to the Finances tab, then select Accounts & transactions.
2. Open the account you want to make your default account,
3. then click Show account details. Under the Default account’ heading, click Make default. Your default account is your primary debiting account for e-invoices and other payments.

How to change your default account in Nordea Mobile:

1. Open the Accounts and cards section on the Overview tab.
2. Open the account you want to make your default account,
3. then go to its settings where you can set it to be your default account. Your default account is your primary debiting account for e-invoices and other payments.  

Instant payments allow you to transfer money to a person or a business practically in real time. The money is transferred in 10 seconds or less. With instant payments, you can transfer money instantly also on weekends and bank holidays.

You can use instant payments to make euro payments to countries within the Single Euro Payments Area (SEPA). 

How to make credit transfers to different countries:

• As of September 2025, you will be able to make instant payments to all euro countries within the SEPA from your Nordea account. You can make instant payments to other Finnish banks as well as to other euro countries.
• In 2027, instant payments will also become available for non-euro SEPA countries, such as Sweden, Norway and Denmark. If the recipient bank is in a non-euro country but has already adopted instant payments, you can make instant payments to the bank.

Instant payments are available in Nordea Netbank. When you are making a new payment, select “Instant” as the payment type. Making both instant payments and standard credit transfers through our digital channels is free of charge.

Read more about instant payments

In Nordea Netbank, you can choose to either make a standard credit transfer or an instant payment. Both of these payment types are free of charge for our personal customers.

Here are the differences between a credit transfer and an instant payment:

• Speed: With a standard credit transfer, the money is sent to the recipient bank either on the same day or on the next banking day depending on when you make the payment. If you make a standard credit transfer between two Nordea accounts, it will be processed on the same day regardless of the day of the week. You can make instant payments to a recipient within 10 seconds 24/7 every day of the year – weekends and public holidays included.
• Countries: You can make standard credit transfers to any country within the SEPA, which consists of all EU member states as well as a few other European countries. For the time being, instant payments are mainly available in the SEPA countries which use euro as their currency. Some of the non-euro countries within the SEPA have also adopted instant payments, and by January 2027, instant payments will be available in all SEPA countries.
• Payment types: For the time being, payments that are charged to your account immediately are the only payments that can be processed as instant payments. Payments with a future due date and recurring payments will be processed as standard credit transfers for now.

In Nordea Netbank, you can choose whether you want to make a standard credit transfer or an instant payment. When you are making a new payment, select either “Standard” or “Instant” in the drop-down menu where you can choose the payment type.

Read more about credit transfers

Read more about instant payments