Credit card for students

As a university student, you can get a Nordea Gold credit card as soon as you have been admitted. Apply for a credit card by leaving us a contact request.

Send us a contact request to apply for a card

Nordea Gold includes Product Safety Insurance and travel insurance for trips abroad.
You can use your card for mobile payment services, such as Apple Pay or Google Pay.
You get an interest-free payment period of 30 days on average for all your purchases.
You can qualify for a credit limit between EUR 1 500 and EUR 2,000.

* After five years, the price of the Mastercard will be determined according to your customer relationship at the time.

Join Opiskelijan Maapallokerho

Opiskelijan Maapallokerho is a club for students. You can order the newsletter in Finnish.

Credit card for a student without any course credit requirements

Nordea Gold is one of the few credit cards that you can get without any course credit requirements or regular income.

At Nordea we know that you need flexibility with your finances, as unexpected expenses may take a toll on students in particular. Whether you need to furnish your student flat or pay for other expenses, you can easily take care of them with a credit card. We want to support students and therefore offer you a credit card which is easy to apply for and has great benefits.

Insurance policies included

While your versatile Nordea Gold credit card offers you financial flexibility, it also includes great benefits, such as Product Safety Insurance and travel insurance for trips abroad. The travel insurance policy is valid when you have paid at least 75% of the total travel and accommodation costs with your Nordea Gold card’s credit facility.

Product Safety Insurance is valid for goods worth at least 100 euros when you purchase them for your home or holiday home with your card’s credit facility. Product Safety Insurance covers damaged or broken products in accordance with the insurance terms and conditions. Read more about the insurance terms and conditions here.

Get a credit card hassle-free

If you are a student and Nordea customer, click on the link below to apply for a Nordea Gold credit card by sending us a contact request. You can also become a customer online.

Apply for a Nordea Gold credit card

Just send us a contact request and we’ll contact you regarding your credit card application.

Submit a contact request

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

Terms

Terms for the Nordea Gold Mastercard

General card terms and conditions 1.1.2021 (pdf, 598 KB)Opens new window

General card terms and conditions 1.4.2021 (pdf, 1 MB)Opens new window

Terms for Nordea card`s credit account (pdf, 443 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

Prices

Price for Nordea Gold after 1.9.2019

Prices Mastercard Gold

Monthly fee	Price
Nordea Gold combination card or Nordea Gold	2,50 €
Parallel card	2,00 €

Additional services

Prices for additional service related to credit cards
Additional services	Price
Picture card, new or renewal - own picture or picture from the photo gallery per card	12,00 €
MasterCard queries in Netbank or Mobile Bank per month	0,00 €
Service fee for an express order of MasterCard	10,00 €
Transaction query for bank account at Otto.ATMs and Nordea's payment ATMs, per query	1,00 €
Balance query at an ATM	0,60 €
Reorder of card PIN (delivery by post)*	7,00 €
Reorder of card PIN (delivery by sms)* *Card PIN may be ordered from Nordea branches or by calling Nordea Customer Service	0,00 €
Checking card PIN in Netbank	0,00 €
Change of credit limit/change	0,00 €
Change of repayment schedule/change	5,00 €
Transfer from credit card	Interest-bearing as of the transfer date
Printed credit card invoice/per invoice	3,00 €
Bill payment from card credit facility at Nordea's payment ATM One bill paid at Nordea’s payment ATM	Interest-bearing as of the transfer date 2,75 €
Change or renewal of card during its validity	10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control	0,00 €
Finder’s fee	0,00 €
Confiscation fee for a card used in violation of the card terms and conditions	120,00 €

Cash withdrawals in Finland
Cash withdrawals in Finland from bank account or card credit	Price
Cash withdrawals from bank account in Finland at a branch	0,00 €
Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal	0,00 € 0,60 €
Cash withdrawals from card credit in Finland per withdrawal	Interest-bearing as of the drawdown date

Cash withdrawals abroad
Cash withdrawals abroad	Price
Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month	0,00 €
Cash withdrawals in euros at ATMs in the EEA Member States 5 or more withdrawals per month per withdrawal	0,60 €
Cash withdrawals in euros at ATMs from credit account in the EEA Member States Cash withdrawals in euros at ATMs from bank account in the EEA Member States	Interest-bearing as of the drawdown date
Cash withdrawals in euros from credit account at branches in the EEA Member States Cash withdrawals in euros from bank account at branches in the EEA Member States	Interest-bearing as of the drawdown date 2,00 € + 3 %
Cash withdrawals from credit account in currencies other than the euro at branches and/or ATMs in EEA Member States and outside the EEA Cash withdrawals from bank account in currencies other than the euro at branches and/or ATMs in EEA Member States and outside the EEA	Interest-bearing as of the drawdown date 2,00 € + 3 %
Cash withdrawals from bank account and/or credit account at Nordea’s ATMs in Norway, Sweden and Denmark	0,00 €

Fees related to account maintenance
The fee related to account maintenance for credit balance	Price
The fee related to account maintenance/per month when the transactions on the invoice are not paid out in full on the invoice due date.	4,50 €

Transaction fees
Transaction fees	Price
Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro	2,25 %
*When you make a purchase or withdraw cash in a currency other than the euro, an exchange rate set by Mastercard or Visa plus an additional currency conversion fee subject to our tariff will be applied to the transaction.

Prices for cards issued before 1 September 2019

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 fee	Price
Nordea Gold combination card or Nordea Gold	75,00 €
Parallel card	24,00 €

Monthly fee	Price
Nordea Gold combination card or Nordea Gold	2,50 €
Parallel card	2,00 €

Additional services

Additional services	Price
Picture card, new or renewal - own picture or picture from the photo gallery per card	12,00 €
Mastercard queries in Netbank or Mobile Bank	0,00 €
Service fee for an express order of Mastercard	10,00 €
Transaction query for bank account or credit account at Otto.ATMs and Nordea's payment ATMs, per query	1,00 €
Balance query at an ATM	0,40 €
Reorder of card PIN (delivery by post)*	7,00 €
Reorder of card PIN (delivery by sms)* *Card PIN may be ordered from Nordea branches or by calling Nordea Customer Service	0,00 €
Checking card PIN in Netbank	0,00 €
Change of credit limit	10,00 €
Change of repayment schedule	5,00 €
Transfer from credit card	2,00 € + 3 %
Printed credit card invoice/per invoice	3,00 €
Bill payment from card credit facility at Nordea's payment ATM One bill paid at Nordea’s payment ATM	2,00 € + 3 % 2,25 €
Change or renewal of card during its validity	10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control	0,00 €
Finder’s fee	0,00 €
Confiscation fee for a card used in violation of the card terms and conditions	120,00 €

Cash withdrawals in Finland
Cash withdrawals in Finland	Price
Cash withdrawals from bank account in Finland at a branch	0,00 €
Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal	0,00 € 0,60 €
Cash withdrawals from card credit in Finland per withdrawal	2,00 € + 3 %

Cash withdrawals abroad
Cash withdrawals abroad	Price
Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month	0,00 €
Cash withdrawals in euros at ATMs in the EEA Member States 5 or more withdrawals per month per withdrawal	0,40 €
Cash withdrawals in euros at ATMs from credit account in the EEA Member States	2,00 € + 3 %
Cash withdrawals in euros from credit account at branches in the EEA Member States	2,00 € + 3 %
Cash withdrawals in currencies other than the euro from bank account and/or credit account at branches and/or ATMs in the EEA Member States and outside the EEA	2,00 € + 3 %
Cash withdrawals from bank account and/or credit account at Nordea’s ATMs in Norway, Sweden and Denmark	0,00 €

Fees related to account maintenance
The fee related to account maintenance for credit balance	Price
The fee related to account maintenance /per month when the transactions on the invoice are not paid out in full on the invoice due date.	3,00 €

Transaction fees
Transaction fees	Price
Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro	2,25 %
*When you make a purchase or withdraw cash in a currency other than the euro, an exchange rate set by Mastercard or Visa plus an additional currency conversion fee subject to our tariff will be applied to the transaction.

Your rights when making payments in Europe

Terms

Terms for the Nordea Gold Mastercard

General card terms and conditions 1.1.2021 (pdf, 598 KB)Opens new window

General card terms and conditions 1.4.2021 (pdf, 1 MB)Opens new window

Terms for Nordea card`s credit account (pdf, 443 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

Price for Nordea Gold after 1.9.2019

Prices Mastercard Gold

Monthly fee	Price
Nordea Gold combination card or Nordea Gold	2,50 €
Parallel card	2,00 €

Prices for Nordea Gold

Annual fee	Price
Nordea Gold combination card or Nordea Gold	75,00 €
Parallel card	24,00 €

Monthly fee	Price
Nordea Gold combination card or Nordea Gold	2,50 €
Parallel card	2,00 €

Your rights when making payments in Europe

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

In addition to offering student-friendly credit cards, we want to assist you in the financial decisions you make as a student and support you in your studies.

Activate your card in the Apple Pay or Google Pay app and use your phone to pay for your purchases in shops and online. Read more and enter the modern era of payments.

Credit card for students

Opiskelijan Maapallokerho is a club for students. You can order the newsletter in Finnish.

Credit card for a student without any course credit requirements

Insurance policies included

Get a credit card hassle-free

Apply for a Nordea Gold credit card

Not yet Nordea’s customer?

Terms

Price for Nordea Gold after 1.9.2019

Additional services

Prices for Nordea Gold

Additional services

Your rights when making payments in Europe

Terms

Price for Nordea Gold after 1.9.2019

Prices for Nordea Gold

Your rights when making payments in Europe

Nordea – your student-friendly bank

Mobile payments

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Personal customers

Corporate customers

Credit card for students

Opiskelijan Maapallokerho is a club for students. You can order the newsletter in Finnish.

Credit card for a student without any course credit requirements

Insurance policies included

Get a credit card hassle-free

Apply for a Nordea Gold credit card

Not yet Nordea’s customer?

Terms

Terms

Price for Nordea Gold after 1.9.2019

Prices for Nordea Gold

Your rights when making payments in Europe

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