Skip menuLog in to Nordea NetbankLog in to Nordea Business

A Mastercard for university students

Nordea Gold is a combination card that gives you the flexibility to charge your purchases either to the credit facility (credit) or bank account (debit).

  • For university students, the credit limit is 2,000 euros.

  • Nordea Gold comes with international travel insurance and Product Safety Insurance, which protects items you buy for your home. It covers the purchases you pay with the card’s credit facility.

  • You can add the K-Plussa feature to your card.

  • Mastercard’s Priceless programme gives you exclusive access to presale tickets for events and concerts.

  • The cashback benefit will be included in existing and new cards in May.

Credit cards for students to be updated on 30 April 2026

As of 30 April 2026, university students can apply for either a Nordea Gold or a Nordea Credit card. For students, the credit limit on new cards is 2,500 euros. No account management fee will be charged. 

The margin for new cards will be different than for the cards issued before 30 April 2026.

  • Margin for Nordea Gold cards: The margin for new cards is 13.9%. The margin for cards issued before 30 April 2026 is 9.5%. The interest rate on the credit is the 3-month Euribor + margin.
  • Margin for Nordea Credit cards: The margin for new cards is 14.9%. The margin for cards issued before 30 April 2026 is 10.5%. The interest rate on the credit is the 3-month Euribor + margin.

The monthly fees for all cards will change on 1 May 2026, and our cards will be available at a lower price as part of our new service packages.

Please note that if you increase the credit limit on your old Nordea Gold card for students in May or later, the credit features will be the same as in a new Nordea Gold card.  

Discover our new service packages

See the revised prices for Nordea Gold

Eligibility

You can apply for a student’s Nordea Gold card if you:

  • are studying at a Finnish university or university of applied sciences or at some other higher education institution. You can get the card as soon as you have been admitted to study and sent us a certificate proving it. 
  • are aged 18 or over
  • live permanently in Finland
  • have a clean credit record.

You don’t need to have any course credits or a regular income to be eligible for a student’s Nordea Gold credit card.

Apply for the card easily online

How to apply for a student’s Nordea Gold card

You can apply for the card in Nordea Mobile or Netbank. You will find the application by first selecting Services, then Credit and payment cards, and finally Nordea Gold for students.

You can apply for a Nordea Gold card as soon as you have been admitted to study.

Start application

Useful features and valuable perks

A student’s Nordea Gold card is a credit card issued by Mastercard and comes with both international travel insurance and Product Safety Insurance.

Using and repaying the credit

You get an average interest-free payment period of 30 days for purchases you make with your card’s credit facility. 

You can easily make repayments whenever you like in Nordea Mobile or Netbank. You can pay off your credit balance in full 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. 

You can also adjust your credit settings, such as the due date or instalment percentage, in Nordea Mobile and Netbank. 

Read more about credit card settings

Comprehensive travel insurance for your trips

Are you looking to travel abroad? When you pay at least 75% of your total travel and accommodation costs with the credit facility of your Nordea Gold, you are automatically covered by international travel insurance.

The policy includes cover in case of illness, damaged luggage, stolen items and travel delays, for example. It’s valid on leisure trips abroad lasting up to three months.

Learn more about the travel insurance

Product Safety Insurance for items you buy for your home

When you use your Nordea Gold card’s credit facility to pay for an item worth at least 100 euros for your home, you get Product Safety insurance for the purchase. 

Product Safety Insurance covers damaged or broken items in accordance with the insurance terms and conditions. For example, if you buy a new washing machine with your credit card and it breaks down soon after, you could get your money back.

Product Safety Insurance is valid for 180 days from the purchase date.

Learn more about Product Safety Insurance

Pay with your phone or wearable

You can use Nordea Gold for mobile and smart payments and pay with your phone, watch or mobile wallet.

There’s no need to carry the physical card with you anymore – just take out your smartphone or other smart device at the store checkout. The payment is made securely using contactless technology. With your phone, you can also pay for purchases exceeding 50 euros. You can also use mobile and smart payments easily online in stores and services supporting them.

You can add your card to Apple Pay or Google Pay, for example.

Read more about mobile payments

Enjoy Priceless benefits and experiences

Mastercard offers cardholders special access to presale concert tickets and the best seats in the house.

Read more about Priceless benefits

Apply for a student credit card with Nordea

You can apply for a student’s Nordea Gold card in Nordea Netbank or Nordea Mobile app.

Start application in Netbank

Don’t bank with us yet?

Would you like to have a chat about becoming our customer? We’ll help you get started!

Fill in our contact form
Credit interest
Terms
Prices
Prices for cards issued before 1.9.2019
Your rights when making payments in Europe

Indicative annual percentage rate

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.

Prices for Nordea Gold

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. Please note that the Mobile Plus and Basic packages are available until 30 April 2026. Read more about the service packages

Annual fee
CardPrice
Nordea Gold card30,00 €
Parallel card36,00 €

Monthly fee
CardPrice
Nordea Gold card2,50 €
Parallel card3,00 €

Frequently asked questions about student credit cards

Adjust your card settings

You can easily do much of your banking in Nordea Mobile and Netbank anywhere and anytime. By using Nordea Mobile and Netbank, you can edit your card’s security limits and usage area and check your PIN for free. You can also adjust your monthly credit card payment, invoice due date and instalment-free months.

See what else you can do with your card in Nordea Mobile and Netbank.

Changes to credit settings
PIN code and account
Daily spending limits, geographical restrictions and online payments
Card renewal and delivery methods
Billing and transactions
Text message service

How to change your credit settings

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.

PIN and account

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

  • Nordea Mobile: On the Overview tab, open the section Accounts and cards, and then select your card. Select the PIN code icon, and verify your identity with the Nordea ID app. To see your PIN, press the button Show PIN.
  • In Nordea Netbank: Go to the Finances tab, select ’Cards’ and then your card. Select ’View PIN’ and verify your identity with your Nordea ID app or Nordea ID device. Finally, select ’Show PIN’.

Checking your PIN in Nordea Mobile or Netbank is free of charge.

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

Daily spending limits, geographical restrictions and online payments

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

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

Learn how to use your card safely.

Card renewal and delivery

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. 

Invoicing and investigation of transactions

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).

Nordea Credit and Nordea Gold Mastercard numbers beginning with 5225 or 5228

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.

Apply for a student credit card with Nordea

You can apply for a student’s Nordea Gold card in Nordea Netbank or Nordea Mobile app.

Start application in Netbank

Need help?

Personal customers