Questions and answers about payment and credit cards

The easiest way to block your card is to do it in Nordea Mobile or Netbank. You can block the use of your card temporarily or permanently.

• Block your card temporarily: In Nordea Mobile, select the card > Security > Allow usage > Disable the switch to turn on the temporary block. In Nordea Netbank choose Finances > Cards > select the card > click 'Block the card' and then 'Set temporary block'.
• Block your card permanently: In Nordea Mobile, select the card > Security > Block the card > Swipe to block. In Nordea Netbank choose Finances > Cards > select the card > click 'Block the card' and then 'Cancel your card'.
• You can also block your card by calling the blocking service, tel. +358 20 333Opens new window (24/7).

If you cancel your card permanently, you will automatically receive a new replacement card within 1–2 weeks.

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If your card is lost or your card details have fallen into the wrong hands, you should block your card immediately in Nordea Mobile or Netbank. You can also block your card by calling the blocking service, tel. +358 20 333Opens new window (24/7).

In Nordea Mobile, you can block your card by selecting the card and tapping > Security > Block the card. In Nordea Netbank, select the card and then ‘Blocking’. If you think you can still find your card, you can set a temporary block on the card.

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To raise a dispute, you will need to wait until the transaction shows as a debit on your card transactions. In other words, you can’t dispute a pending transaction. You should dispute a transaction within two months of the debit date at the latest. 

Read more about how to dispute a transaction

There may be various reasons why your card isn’t working, but the problem can often be fixed quickly by editing your card settings. 

Read more on our page If your card is not working where we have compiled the most typical situations in which your card might not be working and instructions on how to fix it.

You can view your PIN easily and free of charge in Nordea Mobile or Netbank. 

In Nordea Mobile, you can check your PIN by selecting the card and tapping PIN and Security > View PIN. In Nordea Netbank, select the card and then ‘View PIN’.

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You can change your card settings in Nordea Mobile or Netbank. 

To change card settings, select the card and go to Settings (Nordea Mobile) or Edit (Netbank).

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Expiring cards will be renewed automatically. You will be able to use your card until the end of the last month of validity stated on the front of your card. You will receive a new card by post at least two weeks before your old card expires. Please check if you have already received a new card to your home address. 

You can increase the credit limit of your card in Nordea Mobile and Netbank.

1. In Nordea Mobile or Netbank, select ‘Services’.
2. Select ‘Credit and payment cards’ and then ‘Raise your credit limit’.
3. Select ‘Raise your credit card limit’ and fill in the contact request form. We will get in touch with you once we have received your contact request.

Read more about how to increase your credit limit.

If you want to cancel your card, please contact Nordea Customer Service via chat or by phone. We recommend that all our customers have two cards. This way you are covered if one of them is damaged or lost. 

We will deliver your card primarily to your home address in Finland. You will receive the card within about one week and a half from the card order. There is no delivery charge.

Alternatively, you can order express delivery for your card, which will be sent to your home address in Finland. You can expect to receive your card within about one week. An express delivery order is subject to a fee stated in the tariff and you can place it through Nordea Customer Service.

Further information on card deliveries to a foreign address, for example, is available from Nordea Customer Service.

It’s no longer possible to edit personalised cards. If you have a personalised card that expires, your renewed card will have the same personalised image.

If you no longer want to have the personalised image on your card, please contact us for assistance.

How to call us with your identity verified

It’s no longer possible to order personalised MyMoney cards. If you have a personalised card that expires, your renewed card will have the same personalised image.

You can view your credit card transactions and balance in the following services: Nordea Mobile and Nordea Netbank, the invoice and e-invoice archives as well as Nordea Finance’s OmaLuotto service to which you can log in using the online banking codes of other Finnish banks. Your credit card invoice serves as your account statement.

To view your credit card transactions in Nordea Mobile, select your card on the front page. Depending on the card type, you will be able to see your transactions for the past 1–3 months. 

Please note that the name of the seller under a card transaction may be different from the name of the creditor on your invoice.

You can track and manage your recurring payments and subscriptions in Nordea Mobile. Go to the Insights tab, scroll down and select Subscriptions.

Is a subscription missing from the list?

• If you can’t see your card on the list, you can add it to the insights. Go to the settings on the Insights tab and select your card.
• If you can’t see a subscription on the list, you can add it under Subscriptions. Tap the plus sign at the bottom of the page, select a payment related to the subscription and categorise the payment as a subscription. ​

To manage subscriptions, you will need to be using version 4.22 or newer of Nordea Mobile. Please note that this feature will become available to our customers gradually in February–March 2025.

You get an interest-free payment period of 30 days on average for purchases you pay with your credit card. You can pay off your credit balance in full whenever you like or repay it in monthly instalments. After the interest-free payment period, you will pay interest on the remaining balance as determined in the card terms and conditions.

Example: buying a vacuum cleaner

The due date of the credit card invoice is the 15th of each month and the invoicing period is from 25 March to 26 April. We recommend that you choose the date on which you receive regular income as the due date to make it easy for you to pay the invoice when you have money available. 

1 April You buy a vacuum cleaner.

15 April Due date on the credit card invoice, on which you pay the invoice for the previous invoicing period (March).

26 April New invoicing period starts. Any purchases made after this date will be invoiced in June.

15 May Due date for purchases made in April, including the vacuum cleaner in this case.

If you had bought the vacuum cleaner on 26 April, you would still pay it on 15 May. If you had bought the vacuum cleaner on 27 April, the due date would be 15 June instead.

You can check and change the due date of your credit card invoice, change your instalment percentage and select instalment-free months in Nordea Mobile or Netbank:

• In Nordea Mobile: select the card you want to apply changes to, then select Edit credit.
  
• In Nordea Netbank: go to Finances, then Cards. Select the card you want to apply changes to, and under the Card details section, click Edit credit.

If you want to change the due date or instalment percentage on an invoice that has already been created, please call us or contact us via chat. The changes are subject to a fee set in our tariff. 

See your credit card invoice to check the invoicing period, monthly transactions and payment details. If you have opted for e-invoicing, itemised invoices are available in Nordea Netbank and Nordea Mobile.

You can check and change the due date of your credit card invoice, change your instalment percentage and select instalment-free months in Nordea Mobile or Netbank:

• In Nordea Mobile: select the card you want to apply changes to, then select Edit credit.
• In Nordea Netbank: go to Finances, then Cards. Select the card you want to apply changes to, and under the Card details section, click Edit credit.

If you want to change the due date or instalment percentage on an invoice that has already been created, please call us or contact us via chat. The changes are subject to a fee set in our tariff.

See your credit card invoice to check the invoicing period, monthly transactions and payment details. If you have opted for e-invoicing, itemised invoices are available in Nordea Netbank and Nordea Mobile. 

You can make extra instalments or pay off your debt whenever you want. You can also increase the total on your credit card invoice. Here are more specific instructions for different cards.

Repayments of credit on Nordea cards are easy to make in Nordea Mobile (select your card, tap Pay and transfer and Continue) or Netbank (select your card, click Pay back and Confirm payment). You only need to enter the repayment amount – the other details of the payment will be automatically added.

If necessary, you can check the end balance of credit cards with a number starting with 522 by calling Nets’ Nordea Card customer service at (09) 6964 6011Opens new window (Mon–Fri 8.00–20.00).

Product Safety Insurance will compensate for damaged or broken products worth 100 euros or more, as per the terms and conditions of the policy, when you have purchased the product using the credit function on your Nordea card. Product Safety Insurance is valid for 180 days from the date of purchase. Product Safety Insurance is included in the following cards: Nordea Credit, Nordea Gold, Mastercard Premium, Nordea Platinum and Nordea Black.

Read more about Product Safety Insurance