Credit or Debit?

1. Debit: If you select ‘debit’ when you pay with your combination card, your purchases will be charged directly to your bank account. If you have a Nordea Debit card, all payments you make will be charged to your bank account.
2. Credit: If you select ‘credit’ when you pay with your combination card, your purchases will be charged to your credit facility. We also offer regular credit cards that are not combination cards.
3. Combination card: Combination cards include both the debit and credit feature. You can choose whether your purchases are charged to your bank account (debit) or to your credit facility (credit). Most cards we offer are combination cards.

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Explore our credit cards

Contactless is a quick and easy way to pay for your daily purchases. With Nordea Debit cards and nearly all Nordea combination cards, contactless payments are charged to your bank account. If you want to use your combination card’s credit facility to pay for your purchases, insert your card into the payment terminal and select ‘credit’.

Read more about contactless payments

We recommend charging any larger purchases to your credit facility. When you pay with the credit facility of your Nordea Mastercard, you benefit from your credit card insurance. As an example, our most popular card Nordea Gold comes with both international travel insurance and Product Safety Insurance. What’s more, if you make purchases with your credit card, you get a 30-day interest-free payment period on average with no extra charges.

Read more about the advantages of paying with a credit card

Mobile payment methods allow you to leave your physical card at home and pay with your phone or other smart device on the go. Just add your Nordea card to a payment app, such as Apple Pay, Google Pay or Samsung Pay. If you have a combination card, you can add both the credit and the debit side of your card to the app to pay with.

Read more about mobile payments