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.

Here’s how you can find your account statements in Nordea Netbank: 

To find your account statements in Nordea Netbank, first select the menu with your name and then “Documents”. For the most recent account statements, select “Archive”. Open the archive in Nordea Netbank

Here’s how you can find your account statements in Nordea Mobile: 

Select the account you want under “Accounts and cards”, scroll down the account view and select “Settings” and “Account statements”. You can see your account statements from the previous 12 months with the most recent one on top. You can also search for account statements by date. The account statement will open in a new window. This feature is available from app version 4.32 onwards.

You can also find your account statements by selecting “Profile”, then “Documents” and “Archive”.

You can retrieve the latest account statement in Nordea Mobile and Netbank after three banking days from the end of the previous month. 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.

Here’s how you can find your account statements in Nordea Netbank:

To find your account statements in Nordea Netbank, first select the menu with your name and then “Documents”. For the most recent account statements, select Archive. Open the archive in Nordea Netbank

Here’s how you can find your account statements in Nordea Mobile: 

Select the account you want under “Accounts and cards”, scroll down the account view and select “Settings” and “Account statements”. You can see your account statements from the previous 12 months with the most recent one on top. You can also search for account statements by date. The account statement will open in a new window. This feature is available from app version 4.32 onwards.

You can also find your account statements by selecting the avatar icon, then “Documents” and “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.
• If you add your accounts with other banks to Nordea Mobile in advance, it will be even easier for you to transfer money from these accounts to your Nordea account. You can then see your accounts with other banks under ‘Transfer’ when you select the account you want to transfer money from. Learn how to add your accounts with other banks to Nordea Mobile.

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

Read more about credit transfers

Read more about instant payments

The EU Instant Payments Regulation requires banks to perform a check on the recipient’s name and account number and to inform their customers making payments whether these match. This helps the customer to spot errors in the recipient information and to detect scams.

Payments will always be made based on the account number.

When you’re creating a new payment, we will verify the recipient’s name and account number that you have entered. Once the verification is done, you will be informed whether the recipient name you entered matches the official name of the account holder completely, partly or not at all. This helps you to spot errors in the recipient information and to detect scams.

If you receive the message indicating that the recipient’s name doesn’t fully match the account holder’s name, you should check the recipient’s name and account number from the invoice or by contacting the invoicer. You can then update the recipient information if necessary.

It is always up to you whether you approve a payment or not. If you suspect a scam, don’t confirm the payment.

We verify the recipient’s details before you confirm a payment in Nordea Mobile and Netbank. Once the verification is done, you will be informed whether the name of the recipient you entered matches the official name of the account holder.

If you receive the message indicating that the recipient’s name doesn’t fully match the account holder’s name, you should check the recipient’s name and account number from the invoice or by contacting the invoicer. If you are making a payment to a private individual, use their full official name. Short names and nicknames may result in you being shown that the recipient name and the account holder name don’t match.

If you suspect a scam, don’t confirm the payment. If you decide to confirm a payment despite the warning and it turns out to be a scam, Nordea will not be liable for your lost money.

Read more about Verification of Payee

Enter the recipient’s full name the way it is shown in the invoice’s recipient details. If you are making a payment to a private individual, use their full official name. Short names and nicknames may result in you being shown that the recipient name and the account holder name don’t match.

Note: We will check the account holder’s details from the recipient’s bank. The spelling of the recipient’s name may vary from bank to bank, as different banks may have recorded the account holder’s official name differently in their systems.

A large organisation as a recipient

• When the recipient of an invoice is a large organisation, such as the government, the Tax Administration, a government agency, a hospital or a city, the recipient’s name on the invoice may differ from the account holder’s name recorded in the bank’s system. If this is the case, you may see a message that says the recipient name differs from the account holder name. In some cases, you may see a message that says we were unable to verify the recipient details.
• This means that you should check the name and account number on the invoice or by contacting the invoicer directly. If you are sure that the payment details are correct, you can proceed to confirm the payment. Please note that we will always transmit the payment based on the account number provided regardless of the recipient’s name.

Order of first and last name

• When a recipient’s name is similar to the account holder’s name, you may see a message saying that the recipient name differs from the account holder name. You will also be shown the account holder’s official name. This may be the case when you enter John Doe as the recipient name but the recipient’s bank has recorded the recipient’s name as Doe John.
• If you want, you can update the recipient name to match their official name but your payment will be made based on the account number provided regardless of the recipient name.

A joint account

• If there are two account holders for one joint account, the correct spelling of the recipient’s name depends on their bank.
• If the joint account is a Nordea account, we record both account holders’ names in our system. This means that, as a rule, you should enter both recipients’ names in the payment details.

There are several reasons why you may have seen this message:

• We were unable to check the account holder’s name for technical reasons.
• The recipient’s account is in a non-euro country (such as Sweden). We can only verify the recipient details for euro-denominated payments within the eurozone.
• The recipient’s account has been created recently or there have been no outgoing payments from the account.

If you see this message, you should check the name and account number on the invoice or by contacting the invoicer directly. If you are sure that the payment details are correct, you can proceed to confirm the payment. Please note that we will always transmit the payment based on the account number provided regardless of the recipient’s name.

The message you got is from the Verification of Payee service, which checks the payee for accounts that are payment accounts. Since the account you were making the payment to is a loan account, the payee could not be verified. For this reason, you were shown the message saying that the recipient name could not be compared to the account holder name.

If you have checked that the account number is correct, you can confirm the payment. 

Siirto payments are transferred to another Siirto user in seconds, 24 hours a day. The payments are processed as SEPA Instant Credit Transfers, enabling money transfers in real time.

Read more about instant payments

You can start using Siirto in addition to Apple Pay or Samsung Pay, for example, when you want to pay directly from your account instead of a card. Siirto is included in the Nordea Mobile app, so you won’t need to install a separate app to use it. 

Siirto also makes receiving e-invoices effortless. When you use Siirto, you will automatically receive e-invoices from participating companies, removing most of the need to subscribe for individual e-invoices.

Yes, the Siirto app was discontinued on 3 June 2026. Siirto is now available in the Nordea Mobile app.

The updated Siirto offers the same feature for paying friends as the old Siirto app, but the updated service is included in the Nordea Mobile app. 

Additionally, Siirto has expanded to include e-invoices. When you use Siirto, you can receive e-invoices smoother in Nordea Mobile and Netbank.

No, you can’t cancel Siirto payments, as they are transferred immediately to the recipient’s account. You need to contact the recipient directly and ask them to return the payment. If a person you don’t recognise requests a payment through Siirto, make sure you know what the payment is about before you confirm it.

Initially, Siirto will be available to the customers of Nordea and OP. These customers can activate the service in their mobile banking app and then make Siirto payments to each other.

Payments to friends are transferred to other Siirto users even if one or both users are abroad.

The updated Siirto doesn’t have any payment limits. You should note, however, that if you have set daily payment limits on your account, they will also affect Siirto payments.

Read more about usage limits for accounts

Persons aged 15 or older are allowed to use the Siirto service. Note that you must have online banking credentials, a current account and a mobile banking app before you can start using Siirto.