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 1.8.2022Opens new window 

Terms for Nordea card's credit accountOpens new window

Terms for the Mastercard Credit AccountOpens new window

Product Safety Insurance terms and conditions
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Travel insurance for trips abroad, terms and conditionsOpens new window

Standard European Consumer Credit InformationOpens 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.

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

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

Read more about the 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. 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.

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.

What changes can I make to my credit card invoicing? 

You can check and change the due date of your credit card invoice, change your instalment percentage and select instalment-free months in Nordea Mobile or Netbank:

• In Nordea Mobile: select the card you want to apply changes to, then select Edit credit.
  
• In Nordea Netbank: go to Finances, then Cards. Select the card you want to apply changes to, and under the Card details section, click Edit credit.

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. 

See your credit card invoice to check the invoicing period, monthly transactions and payment details. If you have opted for e-invoicing, itemised invoices are available in Nordea Netbank and Nordea Mobile. 

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 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.