A Mastercard for university students

  • You will get Nordea Gold without a monthly fee as long as you have one of our daily banking packages.
  • Nordea Gold is a combination card, giving you the flexibility to charge your purchases either to the credit facility (credit) or your bank account (debit).
  • For university students, the credit limit is 2,000 euros.
  • You get an average interest-free payment period of 30 days for purchases you make with your card’s credit facility.
  • Nordea Gold comes with international travel insurance and Product Safety Insurance, which protects items you buy for your home.
  • With Nordea Gold you can enjoy the Priceless benefits and experiences.
  • You can add your card to mobile payment services, such as Apple Pay, Google Pay or Samsung Pay.

Join Nordea’s student customer programme and get all customer benefits for students. Read more about student customer benefits.

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 18–30
  • 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

Apply for the card in Nordea NetbankOpens new window or Nordea Mobile under Services > Credit and payment cards > Nordea Gold for students.

Please note:

  • You can apply for a Nordea Gold card as soon as you have been admitted to study.
  • By sending us an application for Nordea Gold, you will also sign up as our university student customer. You will enjoy our student benefits until your 31st birthday, even if you graduate earlier.
  • You will get Nordea Gold without a monthly fee as long as you have one of our daily banking packages. The price of the Mobile Plus package is 0 euros per month for university students.

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

Credit card, padlock and paper bag - small

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

Credit card and aircraft – small

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

Home appliance icon (fridge) - 640x360

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

Mobile 640x360

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

Become a bank customer - 640x360

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 Opens new window

Not yet Nordea’s customer?

Nordea will be your partner during your studies, too. Become a student customer now and get all the benefits!

Become a customer online
Credit interest
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 21,61% when the 3-month Euribor reference rate is 3,89% (07/2024), 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 1,665 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. Read more about the packages here.

Annual feePrice
Nordea Gold card30,00 €
Parallel card36,00 €

Monthly feePrice
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 > confirm own transfer with Nordea ID app.
  • In Netbank: Select "Finances" > "Cards" > select the card > "Own transfer" > elect the bank account and add the amount > confirm own transfer with Nordea ID app or device.

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 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). 

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 > 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.

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 Opens new window