Credit card for students

With a Nordea Gold credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 12,52% when the 3-month Euribor reference rate is 2,36% (04/2025), the monthly account management fee is 4.50 euros, the customer has opted for the free e-invoice and repays the credit in 12 monthly instalments (139 euros). The estimated total cost of the credit is 1,598 euros. The calculation assumes that the customer has a Mobile Plus or Basic package and therefore gets the card with no monthly or annual fee. Nordea Gold Mastercard is an international charge and credit card and a continuous credit facility which is valid until further notice. The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

General card terms and conditions 1.8.2022 and 1.8.2025pdf - Opens new window  

Terms for Nordea card's credit accountpdf - Opens new window

Terms for the Mastercard Credit Accountpdf - Opens new window

Product Safety Insurance terms and conditions
pdf - Opens new window

Travel insurance for trips abroad, terms and conditionspdf - Opens new window

Standard European Consumer Credit Informationpdf - Opens new window

Product Safety Insurance terms and conditions

Travel insurance for trips abroad, terms and conditions

Standard European Consumer Credit Information

The Nordea Gold card can be added to the Mobile Plus and Basic packages. Customers will not be charged any monthly or annual fees for cards that have been added to the packages. Read more about the packages here.

Your rights when making payments in Europepdf - Opens new window

Read the EU leaflet, which includes information about how you can make payments easily and safelyOpens new window  

In Nordea Mobile

1. Open Nordea Mobile and select the card whose settings you wish to change.
2. Tap “Edit credit”.
3. Now you can change the minimum instalment percentage, instalment-free months and/or the due date of your credit. You can change all three features at once or just one of them.
4. Once you have made the changes, confirm them with the Nordea ID app.

In Nordea Netbank

1. Open the netbank, choose "Finances" and then "Cards".
2. Select the card whose settings you wish to change and tap “Edit credit”.
3. Now you can change the minimum instalment percentage, instalment-free months and/or the due date of your credit. You can change all three features at once or just one of them.
4. Once you have made the changes, confirm them with the Nordea ID app or device.

Please note that the instalment-free months cannot be consecutive months. The minimum instalment is 3% a month. 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. 

Transfer money from your credit facility to your current account

In Netbank and Nordea Mobile, you can transfer money from your credit card to your personal bank account or a bank account you are authorised to use. For example, you can transfer 100 euros from the credit facility to your account if you won’t receive your salary for another week.

• In Nordea Mobile: Select the card > tap "Pay and transfer" > "Own transfer" > select the bank account and add the amount > tap "Confirm transfer".
  
• In Netbank: Select "Finances" > "Cards" > select the card > "Own transfer" > elect the bank account and add the amount > tap "Confirm".
  

Please note that interest will begin accruing on any cash you withdraw from your credit facility from the day of the withdrawal. Alternatively, a withdrawal fee may be charged. See the tariff for your card.

You can easily check your card’s PIN in Nordea Mobile or Netbank free of charge.

• In Netbank: Go to Finances > Cards > select your card > click "View PIN" and "Show PIN"
• In Nordea Mobile: Select your card > tap "PIN code" > and "Show PIN".

Connect your bank account to your card, and your purchases and cash withdrawals will be debited either to your credit card (credit) or bank account (debit) according to your choice. Any card payments and cash withdrawals you make abroad are debited in euros either to your bank account (debit) or credit card (credit). 

You can edit the security settings on your card in Nordea Mobile and Netbank. 

• In Netbank: Go to Finances > Cards. Select the card you want to edit > click on Card details to make the changes. 
  
• In Nordea Mobile: Select the card you want to edit > Settings. 

Learn how to use your card safely.

New card to replace a broken one 

• In Netbank: Go to Finances > Cards. Select the card you want to renew and click on Renew card.
• In Nordea Mobile: Select the card you want to renew, then select Settings and click on Renew early.

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. Your new card will be posted to you before your previous card expires. Please check if you have already received a new card to your home address. 

New card delivered to your home address 

Nordea cards are primarily delivered to your home address in Finland, which you have provided to Nordea. You will receive the card within about two weeks from the card order. There is no delivery charge. We also offer an express delivery service. If you want to choose this option, please contact Nordea Customer Service. When you choose express delivery, the card will be delivered to your home address within about a week. Express deliveries are subject to a fee (10 euros). 

Read more about card delivery options or contact us for further information on the delivery options to a foreign address, for example. 

You can terminate your card by chatting with or calling Nordea Customer Service 

If you want to terminate your card, please contact us via chat or by phone. We recommend that all our customers have at least two cards. This way you are covered if you break or lose one of your cards. 

Tracking of card transactions

You can keep track of your card transactions in Nordea Mobile or Netbank.

Credit card transactions:

• Select your card on the front page of Nordea Mobile or Netbank. Here you’ll see a list of the latest transactions made with your card’s credit facility.
• In Netbank, you’ll find the most recent e-invoice as well as older e-invoices, where you can check your past card transactions. Log in to Netbank and go to Payments > E-invoices > History. You can also see transactions that are more than 1–3 months old on your e-invoices. Your e-invoices will be stored in Netbank for 18 months.
• In Nordea Mobile, you can view your most recent e-invoice. Log in to Nordea Mobile and go to Payments and e-invoices, open your credit card invoice and click on Invoicer’s breakdown.

Debit card transactions:

• Select the account linked to your card in Nordea Mobile or Netbank. For example, if your card is linked to your current account, you’ll see the transactions made with your debit card in your account transactions.

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.

What does the 30-day interest-free payment period mean in credit cards? 

You will get an interest-free payment period of 30 days on average for purchases charged to the credit facility. 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).
• 15 May Due date for purchases made before 27 April, including the vacuum cleaner in this case. 

The last day of the invoicing period is 26 April. Any purchases made after this date will be invoiced in June. 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.

Can I choose to pay extra? 

You can make extra instalments or pay off your debt whenever you want. You can also increase the total on your credit card invoice.

You can repay your credit card balance and change invoicing details easily in Nordea Mobile or Netbank. More detailed instructions are available in the channel of your choice.

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 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 your card number starts with 552, you can check its total credit balance by calling the following customer service number: +358 9 6964 6011 (Mon–Fri 8–20).

If you have a Nordea Credit or Nordea Gold Mastercard, you may receive a text message to your mobile phone, asking you to confirm a purchase made with your card. Text messages can also be used to block your card if fraudulent activity is suspected.

Reply to the text message by choosing between the options A and B given in the text message. 

Nets will send the text message to the phone number in its customer register. If your phone number has changed, please call our customer service line for Nordea cards, tel +358 9 6964 6011, Mon– Fri 8.00–20.00.  

The SMS service concerns Nordea Credit and Nordea Gold cards issued by  Nordea Bank Abp and transactions made with their credit facilities.