New Nordea Credit cards will not be granted for the time being

Cardholders can continue using their cards as usual. See the frequently asked questions below for more information:

Frequently asked questions

Nordea Credit Mastercard in brief

  • The credit limit is 1,500–5,000 euros.
  • You will receive an interest-free payment period of 30 days on average for all your purchases. 
  • The card comes with Product Safety Insurance.
  • You can have two instalment-free months a year.
  • The interest rate on the credit is the 3-month Euribor + 10.5%.

Make easy payments anywhere with a range of devices

Contactless payment with smartphone or smart watch - small

With the contactless payment feature included in your card you can pay your purchases of less than 50 euros securely, without having to touch the payment terminal.

You can also add your card to your phone, smart watch or other wearable for mobile payments. By using a smart device, you can pay contactless even if your purchase exceeds 50 euros.

Your card works abroad as well. You can withdraw cash all over the world at ATMs carrying the Mastercard logo.

Shop safely online and remember your card insurance


Credit card, padlock and paper bag - small You can shop online once you have enabled online payments in Nordea Mobile or Netbank. 

When you pay with the credit facility of your card, you qualify for protection under the Finnish Consumer Protection Act. It helps you get your money back if anything goes wrong.

Similarly, the Product Safety Insurance included in the credit card gives you additional security for any products you purchase for your home or holiday home. It is valid for 180 days from the purchase date. 

Use your credit card the way you like


Desk calendar and an arrow visualising flexibility - small

You can choose whether to pay on credit or using your bank account. Your credit card transactions will be included in an invoice that you will receive monthly. You can choose the due date of the invoice and the repayment amount (minimum instalment percentage). You only pay interest on the credit balance remaining after the due date. 

You can see your card’s available balance as well as transfer money from your card’s credit facility to your bank account in Nordea Mobile and Netbank. You can also select where your card can be used and decide if you want to allow online payments with your card.

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
Increasing your credit limit
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). 

How do I increase the credit limit of my Nordea Gold or Nordea Credit card?

You can increase the credit limit of your card in Nordea Mobile and Netbank.

  1. In Nordea Mobile or Netbank, select ‘Services’.
  2. Select ‘Credit and payment cards’ and then ‘Raise your credit limit’.
  3. Select ‘Raise your credit card limit’ and fill in the contact request form. We will get in touch with you once we have received your contact request.

You can apply to increase your credit limit if you have a regular income, a good payment history and a clean credit record. The factors determining the credit limit you can get include your income, your current debt and the balance of your finances.

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.

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 Credit credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 22,79% 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 (140 euros). The estimated total cost of the credit is 1,674 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 Credit 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 Credit cards issued after 1.9.2019

The Nordea Credit 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.

Monthly fee
Monthly feePrice
Nordea Credit combination card or Nordea Credit2,50 €
Parallel card3,00 €

Additional services

Additional servicesPrice

Picture card renewal

- own picture or picture from the photo gallery per card

12,00 €
Mastercard queries in Netbank or Mobile Bank0,00 €
Service fee for an express order of Mastercard10,00 €
Transaction query for bank account or credit account at Otto.ATMs, per query1,50 €
Balance query at an ATM0,80 €
Reorder of card PIN (delivery by post)*
7,00 €
Checking card PIN in Netbank
0,00 €
Change of credit limit00,00 €
Change of repayment schedule
0,00 €
Transfer from credit card2,00 € + 3 %
Printed credit card invoice/per invoice3,00 €
Change or renewal of card during its validity10,00 €  
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control0,00 €
Finder’s fee0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €
Cash withdrawals in Finland
Cash withdrawals in Finland Price
Cash withdrawals from bank account in Finland at a branch0,00 €

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 €

1,00 €

Cash withdrawals from card credit in Finland per withdrawal2,00 € + 3 %
Cash withdrawals abroad
Cash withdrawals abroadPrice

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

1,00 €
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 States2,00 € + 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 €
Depositing cash
Depositing cashPrice
Depositing cash to your bank account at TalletusOtto and OttoPlus ATMs3 deposits free of charge per month, deposits in excess of this EUR 2.50 each and 0.70% of the value of the deposit

Fees related to account maintenance
The fee related to account maintenance for credit balancePrice
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 feesPrice
Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro2,25 %

*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. For more information, see foreign currency card transactions.Opens new window