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Seven tips for secure banking

Your security is important to us, and that’s why we are constantly working to improve our security solutions and services. Many online shopping scams use the busy holiday season and discount campaigns to try to lure victims. Read below how to shop safely online and share these tips with your family and friends.

1. Assess how reliable the online shop is 

See if you can find the company’s contact details, contact channels and return policy on their website.

Fake websites may use broken or clumsy language. The product descriptions may be well-written but the terms and conditions are often in another language or contain grammar and spelling errors.

Also pay attention to the visual design of the website. If the online store is unreliable, its visual design is often poor.

2. Be careful when giving out your card details

Scammers disguise themselves as trusted organisations to not only try to steal your access codes but also your card details. They distribute phishing links through emails, text messages, social media and search engines.

Websites for buying and selling second-hand goods are also becoming more and more risky, as scammers try to collect card details on these websites.

If you receive a link and, after clicking it, are asked to enter your card details, check who has sent the link and contact the company’s customer service to verify the authenticity of the link, if necessary.

3. Be alert when confirming payments in your Nordea ID app

If you are confirming online card purchases with the Nordea ID app, check that the details shown in the app match your purchase. If you are confirming a credit transfer or an e-payment, check that the amount, recipient name and account number shown in the app match the transaction.

If you get a confirmation request in the app that you don’t recognise, please contact our Customer Service immediately.

4. Don’t take any hasty actions when shopping online

Be wary of last chance items and last-minute discounts. Scammers try to create a need for urgent action in order to lure more victims.

Take your time to review the website to see if it’s legit before making any purchases. Make sure you only enter your card details on a secure site. Read the confirmation requests in the Nordea ID app carefully before confirming any payments.

5. Check the terms and conditions to avoid subscription traps 

Cheap product offers or lotteries are advertised online to lure victims into subscription traps. When the subscriber redeems the product or the lottery prize, they are asked to accept the terms and conditions according under which they undertake to pay a certain sum each month.

Ensure that you are making a one-off purchase and not taking out a subscription unless you really want one.

6. Restrict your card’s online use if necessary 

If you don’t use your card for any recurring online payments, disable online payments. You can always enable them whenever you need to. Set low daily limits for your card and only allow card payments in the geographical area you are currently in.  The daily limits and geographical restrictions apply to your card payments and cash withdrawals at ATMs.

You can edit your card settings in Nordea Mobile and Netbank. The new settings will be applied instantly. Read more about the daily limits and safe card payments

7. Pay with your credit card if possible

A credit card is the safest way to make payments online. When you pay your online shopping with a credit card, you don’t need to provide any personal details, such as your personal identity number, to the seller. Furthermore, credit card payments often require strong authentication, so you can rest assured that nobody can use your credit card without you knowing it.

When you pay with a credit card, you are covered by strong consumer protection, and you can get your money back if, for example,

  • you don’t receive an item you ordered or it arrives damaged
  • you were charged twice
  • you don’t receive the item or service you bought due to the seller’s or service provider’s bankruptcy.

Read more about the benefits of using your credit card

Situations in which Nordea may contact you 

We may contact you by phone, through Netbank or via email if you have first contacted us about your banking or if you have been chosen to participate in a survey.  

If we contact you about a survey, please note that 

  • we will never ask you for confidential information, such as credit card details, account numbers or passwords, and you should never give this information to us  
  • we will never send links to software or apps that you should install on your computer or mobile device. 

If someone asks you for this information in a survey, the sender is not Nordea or one of our trusted partners.

Read more about our customer surveys.

Security for our personal and corporate customers

Read how you can protect yourself from scams and what to do if you are scammed.

Return to the starting page of the security section

Lost card and card complaints

If your card is lost or stolen, you should block it immediately through the card blocking service. Please act without delay if there are purchases you don’t recognise on your card.

Read more about lost cards and card complaints

Different types of scams

The best way to protect yourself from scams is to know how to spot them. Stay one step ahead of fraudsters by learning about the various types of scams that are out there.

Learn about common scams