Nainen, tietokone ja luottokortti

Secure use of cards

Debit and credit cards are safe to use if you store them carefully, set security limits on their use and use our code app to confirm your online purchases. Cards are a convenient method of payment when shopping in Finland, abroad and online.

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

By the end of next year, we will discontinue other authentication methods used for obtaining additional confirmation for card payments, namely a password by SMS and solutions based on a fixed password.

Even if you’re not a Nordea customer, you can obtain our code app this year for authenticating your identity when making card payments online.

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

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

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
Security limits
Card usage areas

Contact Nordea Customer Service  

Mon-Fri 8.00 - 18.00

0200 70000 (lnc/mcc*)

* local network charge/mobile call charge