Credit card for students

The annual percentage rate of charge for a Nordea Gold credit card for students, on an outstanding credit amount of 1,500 euros, is 16.7% (for customers with a service package, June 2019). The interest rate on the credit is the 3-month Euribor + 9.5% (Nordea Gold). The calculation includes the monthly account management fee of 4.50 euros. 

E-invoice has been used as a default invoicing method in the calculation. No annual or monthly fee will be charged on the card included in a service package. The annual percentage rates of charge for other customer groups are available online at nordea.fi/cards. The maximum credit limit for Nordea Gold card for students is 2,000 euros. The credit is valid until further notice. The total repayable credit amount depends on the use of the credit, the agreed amount of the repayment instalments and the duration of the credit agreement. 

The creditor is Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki, FI-00020 NORDEA, or Nordea Bank Abp, Satamaradankatu 5, Helsinki, FI-00020 NORDEA.

General card terms and conditions 1.8.2022 (pdf, 317 KB)Opens new window 

Terms for Nordea card's credit account (pdf, 199 KB)Opens new window

Terms for the Mastercard Credit Account (pdf, 425 KB)Opens new window

Product Safety Insurance terms and conditions
(pdf, 327 KB)Opens new window

Travel insurance for trips abroad, terms and conditions (pdf, 708 KB)Opens new window

Standard European Consumer Credit Information (pdf, 181 KB)Opens new window

Product Safety Insurance terms and conditions

Travel insurance for trips abroad, terms and conditions

Standard European Consumer Credit Information

No annual or monthly fee is charged on the card included in the customer´s package.

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.

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

You can use the PIN code provided by the bank or choose your own PIN code for your card. You can also change your PIN code later. Read more about PIN codes. 

You can link your card to a bank account and choose whether payments and cash withdrawals are taken out of your credit card account (credit) or your bank account (debit). Any card payments and cash withdrawals that you make abroad are always taken in euros either from your bank account (debit) or your credit card account (credit).

You can edit the security settings on your card in Nordea Mobile. Go to Overview, find the card you want to edit and select Settings. 

In our Netbank, you can edit your security settings in Finances > Cards. Select the card you want to edit and click on Card details to make the changes. 

Learn how to use your card safely.

Replacing a damaged card 

You can order a new card in the Netbank under Finances > Cards > Apply for a new card or make changes to your existing card > Card editing and renewal.     

When your card is about to expire, you will be sent a new card automatically

Your card is valid until the end of the month in which it expires, and you can check the expiry date on the front of your card. You will receive a new card by post before your card expires. Please check your post to see whether you have already received your new card. 

Your new card will be delivered to your home address 

Your card will be sent to the home address in Finland that you have given to Nordea. You can expect to receive your new card within approximately two weeks from the date on which you ordered it. There is no delivery charge. Alternatively, you can ask for express delivery by contacting Nordea Customer Service. With express delivery, your card will arrive at your home address within approximately one week. Express delivery costs EUR 10. 

Read more about our card delivery methods, or ask Nordea Customer Service for more information about, for example, having your card delivered to an address abroad. 

You can cancel your card via chat or by calling our Customer Service 

If you want to cancel your card, you can call Nordea Customer Service or contact us via chat. We recommend that all our customers have at least two cards. Having a back-up will save you hassle if your card is damaged or lost.

Credit card transactions

You can view your credit card transactions and balance via these channels: Nordea Wallet, Nordea Mobile and Nordea Netbank. You can also view your invoices in the e-invoice archive and in Nordea Finance’s OmaLuotto service using the online banking codes of other banks. Your credit card bill doubles as your account statement. 

In Nordea Mobile, you can view your credit card transactions by clicking on the name of the card on the front page or by going to Overview. Your transaction history covers a period of between one and three months depending on the type of card. Older transactions can be found in your previous bills or in Nordea Wallet. 

To browse your credit card transactions in the Netbank, click on the name of the card on the front page. Your transaction history covers a period of between one and three months depending on the type of card. If you cannot see your card transactions, you may need to enable card transaction queries. Older transactions can be found in your previous bills or in Nordea Wallet. 

You will need to enable the card transaction queries in the Netbank. Go to Finances > Cards > Apply for a new card or make changes to your existing card > Edit Netbank > Optional credit card services, enable transaction query and confirm by clicking Save. The transaction query feature is free of charge. 

Please note that the name of the vendor with whom you used your card may be different from the name of the biller shown in your bill; this is often the case with, for example, restaurants and taxi companies. 

30-day interest-free payment period on credit cards 

The interest-free payment period effectively gives you a free loan for a period of at least 30 days. 

Here is an example involving the purchase of a vacuum cleaner: You have chosen to pay your credit card bill on the 15th of each month, and your current billing period covers from 25 March until 26 April. It makes sense to coordinate your credit card payment date with you payday to make sure that you have money available when your bill is due. 

• 1 April: You buy a vacuum cleaner 
• 15 April: Your previous credit card bill from March is due
• 15 May: Payment for your purchases in April, including the vacuum cleaner, is due 

A new billing period starts on 26 April, and any purchases you make after that date will be included in your June bill. Even if you buy the vacuum cleaner on 26 April instead of 1 April, you will still have to pay for it on 15 May. If you buy the vacuum cleaner on 27 April, however, you will have until 15 June to pay. You can optimise your credit card billing period to make it as long as possible. By waiting until 27 April to buy the vacuum cleaner, you can get 45 days interest free to pay for it. 

What changes can I make to my credit card myself? 

You can view and edit your credit card billing date, instalment percentage and instalment-free months in the Netbank under Finances > Cards > Apply for a new card or make changes to your existing card > Changes to credit card. Changing your instalment percentage is subject to a fee for changing the repayment schedule based on our latest tariff. 

If you need to change the billing date or the amount of a payment that has already been calculated, you can call Nordea Customer Service or use our chat function. Changes are subject to a service charge. 

You can find information about your credit card billing period, monthly transactions and payment history in your credit card bill. If you have opted for e-invoicing, itemised bills can be accessed in Nordea Netbank and Nordea Mobile. 

One-off payments 

You can make additional payments or pay off your credit card balance in full at any time. You can also increase the amount of your regular payments.

Changing your card payments and billing preferences in Nordea Mobile or our new Netbank is easy. You can find more detailed instructions in the app or Netbank.

You can pay off your credit card balance in full at any time. To view your balance in Nordea Mobile or Nordea Netbank, click on the name of the card. 

You can edit the amount of your next monthly payment to clear your balance. Your bill will show both the total balance remaining on the card and the amount of interest until your next payment date. 

If your card number starts with 522, you can check your closing balance by calling our Customer Service / billing team on +358 (0)9 6964 6011 (between 8.00 and 20.00 from Monday to Friday).

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 Ltd 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.

Nordea Visa Electron and Nordea Visa Debit cards

If you have a Nordea Visa Electron or Nordea Visa Debit card, you may receive a text message to your mobile phone, asking you to confirm a purchase made with your card. 

Reply to the text message by choosing between the options A and B given in the text message. If you don´t recognise the transaction, you will receive further instructions on your card and its use in another message. If we receive an invalid reply or no reply at all, you will get a separate text message about this. 

Nordea will send the text messages to the phone number in its customer register. If your phone number has changed, please call Nordea Customer Service, 0200  70 000, Mon-Fri 8.00-18.00.

Replying to the text messages will cost you the standard network charge for an SMS. If you have one of the above-mentioned cards, the services will be available to you automatically.