Payment limit

What is a payment limit?

A payment limit is a feature in Nordea Mobile and Netbank that lets you set a daily limit for payments from your accounts. It’s designed to make payments more secure and give you greater control over your money.

We have set an overall maximum limit for all of our customers but you can decide to set a lower limit for yourself. You can check your current payment limit in Nordea Mobile or Netbank and lower it to a level that suits you.

Your payment limit determines how much you can pay from your accounts in a single day.
By lowering it, you can prevent large sums from being transferred from your account by mistake or as a result of a scam.
The limit applies to euro-denominated transfers in Finland and other countries within the Single Euro Payments Area. It does not affect card payments, transfers between your own accounts or recurring payments.

Set a daily payment limit

What is a good payment limit?

Set a payment limit that matches the amount you typically spend in a single day. For security reasons, it’s best to keep the limit as low as possible. If you need to make a larger purchase, you can temporarily increase your limit in Nordea Mobile or Netbank.

How can I manage my payment limit?

You can check and adjust your payment limit in our digital services. Any changes you make will be applied immediately after you have confirmed them with your Nordea ID app or device. If you want to increase your limit beyond the maximum amount we have set for all customers, please contact us.

Our Customer Service is open Mon-Fri 8.00–18.00 in English and 8.00–20.00 in Finnish and Sat-Sun 10.00–16.00 in Finnish (daily banking services only).

In Nordea Mobile:

Log in to Nordea Mobile.
On the Overview tab, select Payments and e-invoices and then Payment limit.
Here you can see your payment limit and how much you have spent for the day.
If you change your payment limit, remember to confirm the change with your Nordea ID app.

The payment limit feature is available from app version 4.32 onwards.

In Nordea Netbank:

Log in to Nordea Netbank.
Select Payments and then Payment limit.
Here you can see your payment limit and how much you have spent for the day.
If you change your payment limit, remember to confirm the change with your Nordea ID app or device.

Temporary increase to your payment limit

Need a higher payment limit for a short time? You can set an expiry date for the higher limit, after which it will automatically return to the previous level. This is a convenient option for larger purchases, such as buying a car.

Safety tips

Keep your payment limit as low as possible for security reasons.
Only increase the limit when absolutely necessary.
If a payment is rejected because of the limit, increase the limit and make the payment again by copying the original payment as a new one.

Frequently asked questions about payment limit

Which accounts can I set a payment limit for?

You can set a personal payment limit that applies to euro-denominated transfers and instant payments. The payment limit is not account-specific – it covers payments from all the euro-denominated accounts you have access to. However, the limit does not apply to transfers between your own accounts.

Where can I increase my payment limit?

You can set a daily payment limit on your accounts in Nordea Mobile and Netbank.

In Nordea Mobile: On the Overview tab, select Payments and e-invoices and then Payment limit.
In Nordea Netbank: Select Payments and then Payment limit.

If you want to increase your limit beyond the maximum amount we have set for all customers, you can do so by contacting us. When you call us from the Help tab in the Nordea Mobile app, your identity is already verified and we can serve you faster. Please note that our phone service is available during specific hours on weekdays.

Which payments are covered by the payment limit?

The daily payment limit applies to euro-denominated transfers and instant payments you make in Finland or to other banks in the euro zone. However, the limit does not apply to transfers between your own accounts, recurring payments or card transactions.

Learn more about card security settings

Can I set a temporary payment limit for my accounts?

Yes. You can set a higher or lower payment limit for specific days in Nordea Mobile or Netbank. First, adjust the payment limit, then choose an expiry date for that limit. Once the expiry date has passed, the limit will automatically return to the previous level.

Will a payment be rejected if it exceeds my payment limit?

Yes. We process payments within the set payment limit. If your payment exceeds the available limit, it will be rejected.

My payment was rejected because of the payment limit. How can I make the payment?

You can temporarily increase your payment limit so the payment fits within the allowed amount. First, update your payment limit, then create the payment again by copying the original payment as a new one and confirm it.

How do I know how much of my payment limit is still available for today?

You can easily check your available payment limit in Nordea Netbank under Payments by selecting “Payment limit”.
In Nordea Mobile, you will find your payment limit on the Overview tab by selecting “Payments and e-invoices” and then “Payment limit”.

My payment was rejected because of the payment limit and I can’t increase the payment limit enough. What should I do?

If you need to increase your limit beyond the maximum amount we have set for all customers, you can do so by contacting us. However, the payment limit can only be increased during our service hours.

Please note that the payment limit is set per day. If the payment is not urgent and will fit within your current limit tomorrow, you can wait and make the payment then without changing your daily limit.

Introduced due to EU’s Instant Payments Regulation