Paying with credit cards and using cards safely

Online shopping is more secure than ever

When making online purchases using your payment card, you are increasingly asked to confirm them. The easiest way to do this is with the Nordea Codes app.

Many online stores may have asked you to confirm your card purchases recently. The Payment Services Directive (PSD2) instructs card issuers to ensure that, when a card is used to pay online, the cardholder’s identity is strongly authenticated. In practice, a card issuer must offer the cardholder a chance to perform this strong authentication.

At Nordea, strong authentication means using the code app or code calculator, which ensure that paying with a card is more secure than ever before. You can be certain that your payment is secure if you see one of these logos when confirming the payment: Mastercard Identity Check (previously Mastercard SecureCode) or Visa Secure (previously Verified by Visa).

Activate our secure Nordea Codes app

All holders of payment cards issued by Nordea confirm their purchases securely with the Nordea Codes app. Even if you are not Nordea’s personal customer but are using a Nordea payment card, we will provide you with a code app for confirming online card payments.

Read how you can start using Nordea Codes app in all kinds of situations.

If you can’t activate the code app, please call Nordea Customer Service to ensure that you can make secure online purchases.

Going on a holiday?

Read of tips on using your card abroad

Debit and credit cards are a convenient and secure method of payment for your online purchases

Register your Nordea Mastercard or Visa card for online payments and you can start shopping. Registering is easy and you can do it yourself:

in Nordea Mobile under card settings
in Netbank under Cards
by calling Nordea Customer Service and identifying yourself with your online access codes.

In addition, when you pay with your credit card, your purchases are covered by Purchase ProtectionOpens new window from the moment you buy them until they are delivered.

If you don’t receive a product or service you have bought online, please contact the seller first, and if you can’t settle the matter with them, file a card complaintOpens new window.

What are Mastercard Identity Check (previously Mastercard SecureCode) and Visa Secure (previously Verified by Visa)?

The global payment card companies Mastercard and Visa have created the Mastercard Identity Check and Visa Secure services, respectively, to authenticate both parties to a payment, the buyer and the merchant, at the time a purchase is made.

Paying with a Nordea debit or credit card is easy. All you need to do is enter the card number, its validity and the card security code (which is referred to as CVC or CVV). Finally, you confirm your purchase with your Nordea access codes. The information you give, such as your access codes, is not transmitted to the merchant. The merchant only receives a confirmation of a successful identification in the form of a payment authorisation.

Registering the card of a minor for the service

If you are an underage holder of a Nordea Electron or Nordea Debit card or a Mastercard, you can register your card for the online payment service using our registration form. If you wish, you can fill in the form at home in advance. Your card can be registered for online payments only at a Nordea branch. Bring at least one of your guardians with you to the branch. Both of your guardians must sign the form.

Registering the card of a minor for the Mastercard SecureCode service (pdf, 998 KB)Opens new window

Registering the card of a minor for the Verified by Visa service (pdf, 1 MB)Opens new window

Secure use of payment cards is easy

Take good care of your physical card and keep your card settings in digital services up to date.
Keep your PIN to yourself.
Always cover the PIN when making a payment.
Set security limits for payments and cash withdrawals in Nordea Mobile, Nordea Netbank or Nordea Customer Service.
If your card gets lost, block it at once by calling 020 333 (card blocking service) or 0200 70 000 (Nordea Customer Service).

Keep your card safe

Instructions for safe card use

Never keep the card and PIN in the same place. Always memorise the PIN. Do not let other people see the PIN when you are keying it in at ATMs or other places of use.
Never surrender the card’s number or its PIN via telephone, e-mail or in any other way when asked, even if inquirers present themselves as the bank’s employees or police officers.
You can set daily security limits for your card that govern cash withdrawals at ATMs and bill payments at payment ATMs to increase the security of card use. Define the limits when you pick up your card at a branch. It is also possible to change the limits in Netbank, by calling Nordea Customer Service or by visiting a Nordea branch.
Keep your card as safely as you keep your cash. Do not leave it unattended in a car, on a restaurant table, or in your office or hotel room.
Always check the total sum before you sign a sales receipt.
You can follow your card use by comparing the sales receipts with your account statement or credit card invoice.
Check regularly that you have not lost your card.
If your card is lost or stolen, report the incident right away to the card blocking service by calling +358 20 333. If you detect any card transactions in your account that you don´t recognise, please read our instructions for making a card complaint.

Security limits

As a rule, the security limits refer to daily limits for cash withdrawals and payments at ATMs.

Cash withdrawal limit

Choose a cash withdrawal limit between 0 and 10,000 euros a day.

The cash withdrawal limit includes cash withdrawals from your bank account or your credit account made in Finland and abroad. In addition, cash withdrawals from the bank account made at store checkouts are included in the cash withdrawal limit.

NB. The cash withdrawal limit with the following cards applies separately for cash withdrawals from credit account and separately for cash withdrawals from bank account in case of combination cards (credit/debit). If you for instance choose a security limit of 100 euro a day, you can withdraw during the same day 100 euro from your credit account and 100 euro from your bank account, meaning 200 euro a day with a combination card:

Nordea Credit (card number beginning with 522841)
Nordea Gold (card number beginning with 522580)
Nordea Black (card number beginning with 539670).

Payment limit

Choose a payment limit between 0 and 50,000 euros a day.

The limit includes all payments made at Nordea's payment ATMs in Finland that are debited immediately from the bank or credit account. In addition, the payment limit includes all purchases made with Nordea Electron cards in Finland and abroad.

You should set the security limits according to your normal daily needs. If necessary, they can easily be changed later in Netbank and Mobile Bank.

Card usage areas

You can limit the use of your card. Limiting the use increases security, as the card can only be used in the places you have authorised. The limited use applies to card payments and cash withdrawals at ATMs but not to online purchases.

We recommend that you set Finland as your card usage area and change the setting as necessary, for the duration of a trip, for example.

You can change your country limit easily in Netbank under Cards > Usage areas and Internet. You can also change the setting by calling Nordea Customer Service and identifying yourself with your access codes or by visiting any Nordea branch.

There are four alternatives to select from

Finland
Estonia and the Nordic countries: Estonia, Finland, Sweden, Denmark, Norway and Iceland
Europe*
The whole world

*By choosing Europe as your geographical limitation, you can use your card in the following countries:
Finland	Italy
Sweden	Latvia
Norway (incl. Bear Island)	Liechtenstein
Denmark (incl. Faroe Islands and Greenland)	Lithuania
Iceland	Luxembourg
Estonia	Malta
Andorra	Monaco
Austria	Netherlands
Belgium	Poland
Bulgaria	Portugal
Croatia	Romania
Cyprus	San Marino
Czech Republic	Slovakia
France	Slovenia
Germany	Spain (incl. Canary Islands)
Greece	Switzerland
Holy See (Vatican City)	Turkey
Hungary	United Kingdom (incl. Channel Islands, Gibraltar and Isle of Man)
Ireland

Tutustu Mastercard-matkavakuutukseen

Secure use of cards

Online shopping is more secure than ever

Activate our secure Nordea Codes app

Read of tips on using your card abroad

Debit and credit cards are a convenient and secure method of payment for your online purchases

What are Mastercard Identity Check (previously Mastercard SecureCode) and Visa Secure (previously Verified by Visa)?

Registering the card of a minor for the service

Secure use of payment cards is easy

Instructions for safe card use

Security limits

Cash withdrawal limit

Payment limit

Card usage areas

There are four alternatives to select from

Maksaessasi kortin luotto-ominaisuudella saat kaupan päälle lisäturvaa

Do you want purchases debited to the credit facility or to your bank account?

Choose the card that suits you best

Contact Nordea Customer Service

Mon-Fri 8.00 - 18.00

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Personal customers

Corporate customers

Secure use of cards

Online shopping is more secure than ever

Activate our secure Nordea Codes app

Read of tips on using your card abroad

Debit and credit cards are a convenient and secure method of payment for your online purchases

What are Mastercard Identity Check (previously Mastercard SecureCode) and Visa Secure (previously Verified by Visa)?

Registering the card of a minor for the service

Secure use of payment cards is easy

Maksaessasi kortin luotto-ominaisuudella saat kaupan päälle lisäturvaa

Do you want purchases debited to the credit facility or to your bank account?

Choose the card that suits you best

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Contact Nordea Customer Service

Mon-Fri 8.00 - 18.00