Nordea Gold

Your trips are covered by comprehensive travel insurance if you pay your travel costs using the credit facility of your card.

The insurance policy is valid on leisure trips abroad when at least 75 % of your total travel and accommodation costs have been paid with your card’s credit facility.

Read more about travel insurance

Manage your credit card while travelling

You can edit your Mastercard settings also when abroad. Go to Nordea Mobile or Netbank and select the region in which your card can be used. You can adjust these settings flexibly depending on your destination.  

See our tips for using your card abroad

Paying with a credit card can provide additional protection if something goes wrong

Making purchases on your credit card could give you extra protection.

Consumer protection

All Nordea credit cards include protection against the seller’s breaches of contract as laid down in the Finnish Consumer Protection Act. If you pay for your purchase using the credit facility of your card and something goes wrong, you could get your money back. Learn about consumer protection.

Product Safety Insurance

Nordea Gold, Nordea Credit and Nordea Premium cards include Product Safety Insurance. Product Safety Insurance provides extra protection for items you purchase for your home or holiday home. It covers a broken or damaged product worth at least 100 euros in accordance with the insurance terms and conditions when you purchase the product with the credit facility of your card. Learn more about Product Safety Insurance.

We will deliver your card to your home address located in Finland within about two weeks from the card order. However, you can start using the card earlier if you add it to your phone or other smart device. 

You can add your new card to your phone

You will see your new Nordea Gold card in Nordea Mobile after we have accepted your card application. After 1 to 2 banking days, you will be able to add the card to your preferred mobile payment service. 

Read more about mobile payments

How to view your PIN 

We will send the PIN (Personal Identification Number) of your card to you by post, but you can also view it in Nordea Mobile or Netbank. For security reasons, never write down your PIN anywhere else. 

Learn how to view your PIN 

When you fill in the card application, you will need to select some features, such as the credit limit, instalment percentage and due date. You can later easily apply for changes to your credit limit and edit your card settings in Nordea Mobile and Netbank.

How to raise your credit limit

The credit limit for Nordea Gold is a minimum of EUR 1,500. For new cards issued in May or later, the minimum credit limit is EUR 5,000.

You can later apply for an increase to your credit limit in Nordea Mobile or Netbank. You will find the application by first selecting Services, then Credit and payment cards, and finally Nordea Gold.

Please note that if you increase the credit limit on your old Nordea Gold card in May 2026 or later, the credit features will be changed to those of the new Nordea Gold cards.

Other changes to your credit card

Your instalment percentage can be anywhere between 3 and 100. The instalment percentage means the minimum portion of your outstanding balance that you will need to pay back every month.

You can also select the monthly due date for your credit card invoice and two instalment-free months. The instalment-free months cannot be consecutive months. 

You can edit these features in Nordea Mobile or Netbank under the card’s details by selecting Edit credit.

How to adjust your card’s security settings

When you fill in the card application, you need to select a daily cash withdrawal limit and whether your card can be used for online payments. You can, however, change these settings anytime in Nordea Mobile or Netbank.

You can also edit your card’s usage area in the same place.

Learn more about safe use of cards

30-day payment period

You will get an interest-free payment period of 30 days on average for purchases charged to the credit facility. This means that your credit balance won’t accrue interest if you repay it within 30 days. 

After the interest-free payment period, you will pay interest on the remaining balance as determined in the card terms and conditions. You will get an invoice on your outstanding credit balance each month, stating a minimum repayment based on the instalment percentage you have chosen.

How to transfer money from your credit card to your bank account

Transferring money from your credit card to your bank account can sometimes be a useful way to pay for an unexpected expense. By doing so, you can avoid applying for a new loan to cover a temporary need. 

To transfer money, go to your card details in Nordea Mobile or Netbank and select Pay and transfer.

Please note that interest will begin accruing on any money you transfer from your credit facility from the day of the transfer. If your card has been issued before 1 September 2019, these transfers are also subject to a one-time fee.

Read more about credit card payments

Flexible repayment

You can make extra instalments or pay off your credit balance whenever you want.

Simply go to your card details in Nordea Mobile or Netbank and select Pay and transfer. You can also increase the total on your credit card invoice.

How to track your card transactions

You can easily keep track of your card transactions in Nordea Mobile or Netbank. To see the latest transactions charged to your card’s credit facility, go to the card details. If you want to browse older transactions, see your credit card invoices.

To see the debit transactions (transactions charged to your bank account), view the transactions in your current account linked to the card.

Read more about card transactions and authorisation holds

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 > tap "Confirm transfer".
  
• In Netbank: Select "Finances" > "Cards" > select the card > "Own transfer" > elect the bank account and add the amount > tap "Confirm".
  

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.

Note that we charge interest on credit card payments if you don’t pay off your credit balance within 30 days. However, if you use your credit card to withdraw cash or transfer money to your bank account, we will charge interest starting from the withdrawal date.

See below for our example calculation on the annual percentage rate on Nordea Platinum. Besides interest expenses, the calculation includes the fees charged for the credit facility, which makes it useful if you want to compare the costs of different loans and credit facilities. 

Example calculation for Nordea Gold

With a Nordea Gold credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 12,52% when the 3-month Euribor reference rate is 2,36% (04/2025), 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 (139 euros). The estimated total cost of the credit is 1,598 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 Gold 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.

With the launch of our updated Loyalty Programme, the prices for Nordea Gold will be revised. The card will continue to be an affordable option for most customers as part of our new service packages.

The price of a Gold package will range between 0.99 and 6.99 euros per month depending on how much you bank with us. The package includes accounts, 1 or 2 cards, Nordea access codes and access to Nordea Mobile and Netbank. Without a service package or with extra cards added to the package, the monthly fee for Nordea Gold is 5.99 euros.

Discover our new service packages and prices

Fees for Nordea Gold credit card as of 1 September 2019

Nordea Gold 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.

The Nordea Gold 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. Read more about the packages here.

Your rights when making payments in Europe

Read the EU leaflet, which includes information about how you can make payments easily and safely