Banking services for customers about to turn 18

How your banking will change when you turn 18

When you turn 18, certain aspects of your banking will change. Your guardians will no longer have access to your accounts and you will be personally responsible for your banking services. If your guardians opened an account or obtained a card or other banking services for you, you can continue to use them after you turn 18.

Key changes

• Your parents’ right to manage your banking will end when you become an adult, as now you will be solely responsible for them.
• Your parents’ right to use your accounts will be automatically removed. Your accounts will no longer be shown in your parents’ Nordea Mobile and Netbank.
• If your guardian holds a card linked to your account, they will be able to use the card until it expires. However, once you’re 18, you can remove your parent’s right to use the card sooner or extend the card for a longer period.
• If there are savings and investments in your name, you will gain access to them and your parents’ right to view and manage them will expire.

If you wish to extend your parents’ rights to manage your savings and investments, please contact our Customer Service. If you have Nordea access codes, you can restore your parents’ rights simply by calling us. If you don’t have access codes, you can book an appointment at one of our branches and handle the matter there.

What should you do before your child turns 18?

Your child is responsible for their personal banking services from the day they turn 18. You can make it easier for your child to do their banking by opening all the main banking services for them before they legally become an adult.

1. Make sure your child has the main banking services

You can open the main banking services for your underage child easily online:

• current account and PerkAccount
• Nordea Debit card
• Access codes for online and mobile banking

Open banking services for your underage child online

2. Activation of e-identification at a branch

You can add e-identification, which is a form of strong electronic identification, to your child’s Netbank agreement. Your child will need the e-identification when they log in to a service provided by other parties, such as MyTax, MyKanta or My Studyinfo.

E-identification must always be activated at one of our branches.

Read our instructions for e-identification for underage customers

What should you do about your banking when you turn 18?

Once you turn 18, you will be independently responsible for your personal banking. Remember to activate Nordea’s digital banking services as soon as possible to make it easier to bank with us.

1. Online access codes and e-identification

If you don’t have Nordea access codes yet, you can obtain them online. The access codes will allow you to log in to Nordea Mobile and Netbank. 

E-identification, which is a form of strong electronic authentication, allows you log in to third-party services, such as MyTax, MyKanta and My Studyinfo.

Read more about access codes and e-identification

2. Nordea Mobile

Download the Nordea Mobile app to your phone, along with the Nordea ID app which is used for identification. Nordea Mobile allows you to handle your daily banking securely wherever you are. You can also call our Customer Service through Nordea Mobile with your identity already verified, giving you quicker service.

Read more about Nordea Mobile

Learn more about the Nordea ID app

3. Payment card and mobile payments

If you already have a Nordea Debit card, you can continue using it as usual.

If you don’t yet have a payment card, you can easily apply for one in Nordea Mobile or Netbank.

Discover our cards

You can also add your Nordea card to mobile payment apps, such as Apple Pay, Google Pay or Samsung Pay, to pay with your phone at shops and restaurants and online.

How to get started with mobile payments

4. Savings

If your parents have previously saved in your name, you will get access to these savings and investments. You will see the savings and investments in your Nordea Mobile and Netbank. You should carefully consider how you will spend your savings and whether you will need to save more for the future.

If you want to start saving regularly yourself, monthly saving is an easy way of doing so. You can book an appointment with us and we will help you get started.

Read more about monthly saving