Questions and answers about payment and credit cards

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.

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 believe you can still find your card, you can set a temporary block on the card.

Block your cardOpens new window

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

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If you don’t recognise a purchase made with your card, contact the seller first. If you are unable to contact them or resolve the issue with them, block your card in Netbank or Nordea Mobile or call the Blocking Service, tel. +358 20 333Opens new window (24/7).

Report the transactions you don’t recognise to Nordea by filling in the card complaint form. Please note that you can only file a complaint about finalised transactions and not authorisation holds.

See the instructions for disputing card transactions. Here you will also find the cardholder dispute form and instructions for submitting the form.

Note! You can report transactions made with credit cards issued by Nordea (card numbers starting with 522) in Nets’ online serviceOpens new window. 

There may be various reasons why your card isn’t working. 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’s security settings in Nordea Mobile or Netbank.

In Nordea Mobile, select the card and then ‘Settings’. In Nordea Netbank, select the card and then ‘Edit’ under your card details.

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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. 

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 (10,00 €) 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.

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 in cases of restaurants and taxi companies, for example.

The interest-free payment period is in practice a free loan for at least 30 days. 

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 optimise the invoicing period of your credit card invoice and make it as long as possible. You can have an interest-free payment period of as long as 45 days if you buy the vacuum cleaner on 27 April. 

You can change the due date and instalment percentage of your credit card in Nordea Mobile. Select your card and tap “Edit credit”. You can change the due date free of charge, but changing the instalment percentage is subject to a fee set in our tariff.

You can view and change the instalment-free months as well as the due date and instalment percentage on your credit card invoice in Nordea Mobile. Select the card, go to “Card details” and tap “Edit credit”. Changes to the instalment percentage are subject to a fee set in the tariff for changing the repayment schedule.

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

See your credit card invoice for the invoicing period, monthly transactions and payment details. The breakdowns for e-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 Nordea cards are easy to make in Nordea Mobile. Select your card on the Home page and tap ‘Pay and transfer’. Select Used credit > Pay back. You can now set the amount that you want to pay. Other details will be filled in automatically. 

You can easily pay off your credit card debt whenever you want. You can see the current credit balance in Nordea Mobile and Nordea Netbank under your card details.

You can also easily pay off your credit card debt on the due date of the next invoice. See the invoice for the total credit balance and interest up to the due date.

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).

The insurance covers damaged or broken products worth at least 100 euros in accordance with the insurance terms and conditions. The only requirement is that you have purchased the product with the credit facility of your Nordea card. Product Safety Insurance is valid for 180 days from the purchase date and included in the following cards: Nordea Credit, Nordea Gold, Mastercard Premium, Nordea Platinum and Nordea Black.

Read more about Product Safety Insurance