Nordea Credit Mastercard

Nordea Credit Mastercard brings flexibility to your finances. If you have a combination card, you can choose whether to make a payment directly from your bank account or with the credit facility. When making payments with the credit facility Product Safety Insurance will protect your purchases. The credit limit you may apply for is 1,500–5,000 euros.

Nordea Credit Mastercard – security and flexibility

When you pay with your card’s credit facility, you get:  

  • added flexibility
  • security for your purchases.

You can start paying with wearables when you have Nordea’s payment or credit card and a smartphone, smartwatch or some other smart device.

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%.

How to apply for a card

To qualify for the card, you need to have 

  • regular income 
  • a good payment history 
  • a clean credit record. 

You can also apply for a card with a family member aged 18 or older who resides in the same household.

The card will be posted to you.

Choose the payment method you prefer


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

You can also pay your purchases exceeding 50 euros without touching the payment terminal if you attach a mobile payment app to your card and pay the purchases by holding your smartphone or smartwatch close to the payment terminal. 

You can withdraw cash all over the world at ATMs carrying the Mastercard logo. 

When your card has the debit feature, you can pay for purchases and withdraw cash directly from your bank account in Finland and worldwide.

Shop safely online


Luottokortti, lukko ja paperikassi - small You can shop online once you have enabled online payments in Nordea Netbank or Nordea Mobile. 

When you pay with the credit facility of your card, you are covered by protection pursuant to 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 facility gives you considerable additional security for any products you purchase for your home or holiday home. This protection is valid for 180 days as of the purchase date. 

Flexibility to your everyday life


Desk calendar and an arrow visualising flexibility - small

You can choose whether to pay with credit or directly from your bank account. You will receive a monthly invoice on your credit card transactions. You can choose the due date of the invoice and the repayment amount (minimum instalment percentage). You only pay interest on the amount of credit left unpaid after the due date. 

In Netbank and mobile bank, you can see your card’s available balance as well as transfer money from your card’s credit facility to your bank account. You can also set a geographical usage area and online usage restrictions on your card.

Credit interest

Credit interest

The annual percentage rate of charge calculated on a credit amount of EUR 1,500 taken with a Nordea Credit card is 17.7% (November 2020) for customers with a service package. The interest rate on the credit is the 3-month Euribor + 10.5%. The calculation includes the account management fee of 4.50 euros. 

E-invoice has been used as a default invoicing method in the calculation. No annual or monthly fee will be charged on the card included in the customer’s package. The annual percentage rate of charge for other customer groups is shown under Card terms/Standard European Consumer Credit Information. The minimum credit limit for Nordea Credit is 1,500 euros and the maximum credit limit is 5,000 euros. The credit is valid until further notice. The total repayable credit amount depends on the use of the credit, the agreed amount of the repayment instalments and the duration of the credit agreement. 

The creditor is Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki, FI-00020 NORDEA or Nordea Bank Oyj, Satamaradankatu 5, Helsinki, FI-00020 NORDEA. 

Prices
Prices for cards issued before 1.9.2019
Your rights when making payments in Europe

Credit interest

The annual percentage rate of charge calculated on a credit amount of EUR 1,500 taken with a Nordea Credit card is 17.7% (November 2020) for customers with a service package. The interest rate on the credit is the 3-month Euribor + 10.5%. The calculation includes the account management fee of 4.50 euros. 

E-invoice has been used as a default invoicing method in the calculation. No annual or monthly fee will be charged on the card included in the customer’s package. The annual percentage rate of charge for other customer groups is shown under Card terms/Standard European Consumer Credit Information. The minimum credit limit for Nordea Credit is 1,500 euros and the maximum credit limit is 5,000 euros. The credit is valid until further notice. The total repayable credit amount depends on the use of the credit, the agreed amount of the repayment instalments and the duration of the credit agreement. 

The creditor is Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki, FI-00020 NORDEA or Nordea Bank Oyj, Satamaradankatu 5, Helsinki, FI-00020 NORDEA. 

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, new or 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 and Nordea's payment ATMs, per query1,50 €
Balance query at an ATM0,80 €
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 limit10,00 €
Change of repayment schedule
5,00 €
Transfer from credit card2,00 € + 3 %
Printed credit card invoice/per invoice3,00 €

Bill payment from card credit facility at Nordea's payment ATM

One bill paid at Nordea’s payment ATM 

2,00 € + 3 %

3,50 €

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 

Apply for a card in netbank

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Frequently asked questions about the Nordea Credit card

Useful tips

You can edit the properties of your card that you choose when you apply for the card later yourself. 

You can edit, for example, the amount of your monthly payment, payment date and instalment-free months in Nordea Mobile. You can also apply to raise your credit limit in Nordea Netbank.

PIN code and account

PIN code and account

You can use the PIN code provided by the bank or choose your own PIN code for your card. You can also change your PIN code later. Read more about PIN codes. 

You can link your card to a bank account and choose whether payments and cash withdrawals are taken out of your credit card account (credit) or your bank account (debit). Any card payments and cash withdrawals that you make abroad are always taken in euros either from your bank account (debit) or your credit card account (credit).

Daily spending limits, geographical restrictions and online payments
Card renewal and delivery methods
Billing and transactions
Text message service

PIN code and account

You can use the PIN code provided by the bank or choose your own PIN code for your card. You can also change your PIN code later. Read more about PIN codes. 

You can link your card to a bank account and choose whether payments and cash withdrawals are taken out of your credit card account (credit) or your bank account (debit). Any card payments and cash withdrawals that you make abroad are always taken in euros either from your bank account (debit) or your credit card account (credit).

Daily spending limits, geographical restrictions and online payments

You can edit the security settings on your card in Nordea Mobile. Go to Overview, find the card you want to edit and select Settings. 

In our Netbank, you can edit your security settings in Finances > Cards. Select the card you want to edit and click on Card details to make the changes. 

Learn how to use your card safely.

Card renewal and delivery methods

Replacing a damaged card 

You can order a new card in the Netbank under Finances > Cards > Apply for a new card or make changes to your existing card > Card editing and renewal.     

When your card is about to expire, you will be sent a new card automatically

Your card is valid until the end of the month in which it expires, and you can check the expiry date on the front of your card. You will receive a new card by post before your card expires. Please check your post to see whether you have already received your new card. 

Your new card will be delivered to your home address 

Your card will be sent to the home address in Finland that you have given to Nordea. You can expect to receive your new card within approximately two weeks from the date on which you ordered it. There is no delivery charge. Alternatively, you can ask for express delivery by contacting Nordea Customer Service. With express delivery, your card will arrive at your home address within approximately one week. Express delivery costs EUR 10. 

Read more about our card delivery methods, or ask Nordea Customer Service for more information about, for example, having your card delivered to an address abroad. 

You can cancel your card via chat or by calling our Customer Service 

If you want to cancel your card, you can call Nordea Customer Service or contact us via chat. We recommend that all our customers have at least two cards. Having a back-up will save you hassle if your card is damaged or lost.

Billing and transactions

Credit card transactions

You can view your credit card transactions and balance via these channels: Nordea Wallet, Nordea Mobile and Nordea Netbank. You can also view your invoices in the e-invoice archive and in Nordea Finance’s OmaLuotto service using the online banking codes of other banks. Your credit card bill doubles as your account statement. 

In Nordea Mobile, you can view your credit card transactions by clicking on the name of the card on the front page or by going to Overview. Your transaction history covers a period of between one and three months depending on the type of card. Older transactions can be found in your previous bills or in Nordea Wallet. 

To browse your credit card transactions in the Netbank, click on the name of the card on the front page. Your transaction history covers a period of between one and three months depending on the type of card. If you cannot see your card transactions, you may need to enable card transaction queries. Older transactions can be found in your previous bills or in Nordea Wallet. 

You will need to enable the card transaction queries in the Netbank. Go to Finances > Cards > Apply for a new card or make changes to your existing card > Edit Netbank > Optional credit card services, enable transaction query and confirm by clicking Save. The transaction query feature is free of charge. 

Please note that the name of the vendor with whom you used your card may be different from the name of the biller shown in your bill; this is often the case with, for example, restaurants and taxi companies. 

30-day interest-free payment period on credit cards 

The interest-free payment period effectively gives you a free loan for a period of at least 30 days. 

Here is an example involving the purchase of a vacuum cleaner: You have chosen to pay your credit card bill on the 15th of each month, and your current billing period covers from 25 March until 26 April. It makes sense to coordinate your credit card payment date with you payday to make sure that you have money available when your bill is due. 

  • 1 April: You buy a vacuum cleaner 
  • 15 April: Your previous credit card bill from March is due
  • 15 May: Payment for your purchases in April, including the vacuum cleaner, is due 

A new billing period starts on 26 April, and any purchases you make after that date will be included in your June bill. Even if you buy the vacuum cleaner on 26 April instead of 1 April, you will still have to pay for it on 15 May. If you buy the vacuum cleaner on 27 April, however, you will have until 15 June to pay. You can optimise your credit card billing period to make it as long as possible. By waiting until 27 April to buy the vacuum cleaner, you can get 45 days interest free to pay for it. 

What changes can I make to my credit card myself? 

You can view and edit your credit card billing date, instalment percentage and instalment-free months in the Netbank under Finances > Cards > Apply for a new card or make changes to your existing card > Changes to credit card. Changing your instalment percentage is subject to a fee for changing the repayment schedule based on our latest tariff. 

If you need to change the billing date or the amount of a payment that has already been calculated, you can call Nordea Customer Service or use our chat function. Changes are subject to a service charge. 

You can find information about your credit card billing period, monthly transactions and payment history in your credit card bill. If you have opted for e-invoicing, itemised bills can be accessed in Nordea Netbank and Nordea Mobile. 

One-off payments 

You can make additional payments or pay off your credit card balance in full at any time. You can also increase the amount of your regular payments.

Changing your card payments and billing preferences in Nordea Mobile or our new Netbank is easy. You can find more detailed instructions in the app or Netbank.

You can pay off your credit card balance in full at any time. To view your balance in Nordea Mobile or Nordea Netbank, click on the name of the card. 

You can edit the amount of your next monthly payment to clear your balance. Your bill will show both the total balance remaining on the card and the amount of interest until your next payment date. 

If your card number starts with 522, you can check your closing balance by calling our Customer Service / billing team on +358 (0)9 6964 6011 (between 8.00 and 20.00 from Monday to Friday).

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 Ltd 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.

Nordea Visa Electron and Nordea Visa Debit cards

If you have a Nordea Visa Electron or Nordea Visa Debit card, you may receive a text message to your mobile phone, asking you to confirm a purchase made with your card. 

Reply to the text message by choosing between the options A and B given in the text message. If you don´t recognise the transaction, you will receive further instructions on your card and its use in another message. If we receive an invalid reply or no reply at all, you will get a separate text message about this. 

Nordea will send the text messages to the phone number in its customer register. If your phone number has changed, please call Nordea Customer Service, 0200  70 000, Mon-Fri 8.00-18.00.

Replying to the text messages will cost you the standard network charge for an SMS. If you have one of the above-mentioned cards, the services will be available to you automatically.