Nordea Gold

You can pay purchases made with Nordea Gold Mastercard using the credit facility or directly from your bank account. You can use the credit facility any time you need it. Furthermore, you are covered by purchase protection and travel insurance when you pay with your card’s credit facility.

Nordea Gold card in brief

  • The credit limit is 1,500–10,000 euros.
  • When paying with the credit facility, you will benefit from Mastercard Purchase Protection, Product Safety Insurance and insurance for your holiday trips abroad.
  • You will get an interest-free payment period of 30 days on average.
  • You will be entitled to two instalment-free months a year.
  • The borrowing rate is the 3-month Euribor + 9.5%.
  • You can apply for a Nordea Gold card in Nordea Mobile or Nordea Netbank.

To qualify for the card, you need to have

  • regular income and a good payment history
  • a clean credit record. 
  • as a university student, you can get a Nordea Gold credit card without regular income as soon as you have been admitted.

You can apply for a credit card for your personal use or for joint use 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


You can choose whether to pay with credit or directly from your bank account. When paying with the credit facility, you will get an interest-free  payment period of 30 days on average.

With the contactless payment feature of your Nordea Gold card, 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. You can start paying with wearables when you have Nordea’s payment or credit card and a smartphone, smartwatch or some other smart device.

If you activate the Nordea Wallet mobile app, keeping track of your card transactions and spending will be easy. 

Buy safely online and offline


When you pay your purchases with the credit facility of your card, Mastercard Purchase Protection will ensure that you will get your money back if you don’t receive the product or service you ordered or if anything else 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.

You can read more about the insurance features of Nordea Gold Mastercard later on this page.

Travel with confidence


The travel insurance included in Nordea Gold Mastercard is valid during your holiday trips abroad if you pay your trip with the credit facility of your card.

Mastercard Purchase Protection also provides cover, for example, in case you have bought plane tickets but the airline company goes bankrupt before or during your trip.

You can pay with your card worldwide at any points of sale and ATMs marked with the MasterCard symbol.

By activating the Nordea Wallet mobile app, you can also keep track on your holiday spending and track of your card transactions.

Credit interest

Credit interest

The annual percentage rate of charge calculated on a Nordea Gold credit of 1,500 euros in use is 16.5% (November 2020) for Package Customers. The calculation includes the fee related to account maintenance. The interest on the credit is the 3-month Euribor + 9.5%. 

The account management fee for a balance with credit is EUR 4,50 a month. E-invoice has been used as default invoicing method in the calculation. The actual annual interest of other customer groups is shown under Card terms/Standard European Consumer Credit Information. The minimum credit limit for Nordea Gold is 1 500 euros and the maximum limit is 10,000 euros. The credit is valid until further notice. 

The total amount payable depends on the use of the credit, the size of the agreed instalments and the term of the credit agreement. 

The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven Katu 9, Helsinki, 00020 NORDEA or Nordea Bank Abp, Satamaradankatu 5, Helsinki, 00020 NORDEA.

Prices
Prices for cards issued before 1 September 2019
Your rights when making payments in Europe

Credit interest

The annual percentage rate of charge calculated on a Nordea Gold credit of 1,500 euros in use is 16.5% (November 2020) for Package Customers. The calculation includes the fee related to account maintenance. The interest on the credit is the 3-month Euribor + 9.5%. 

The account management fee for a balance with credit is EUR 4,50 a month. E-invoice has been used as default invoicing method in the calculation. The actual annual interest of other customer groups is shown under Card terms/Standard European Consumer Credit Information. The minimum credit limit for Nordea Gold is 1 500 euros and the maximum limit is 10,000 euros. The credit is valid until further notice. 

The total amount payable depends on the use of the credit, the size of the agreed instalments and the term of the credit agreement. 

The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven Katu 9, Helsinki, 00020 NORDEA or Nordea Bank Abp, Satamaradankatu 5, Helsinki, 00020 NORDEA.

Price for Nordea Gold after 1.9.2019

Prices Mastercard Gold

No annual or monthly fee is charged on the card included in the customer´s package.

Monthly feePrice
Nordea Gold combination card or Nordea Gold2,50 €
Parallel card3,00 €

Additional services

Prices for additional service related to credit cards
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 Bank per month0,00 €
Service fee for an express order of MasterCard10,00 €
Transaction query for bank account at Otto.ATMs and Nordea's payment ATMs, per query1,00 €
Balance query at an ATM0,60 €
Reorder of card PIN (delivery by post)* 
7,00 €
Checking card PIN in Netbank and Mobilebank
0,00 €
Change of credit limit/change0,00 €
Change of repayment schedule/change5,00 €
Transfer from credit cardInterest-bearing as of the transfer date
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 

Interest-bearing as of the transfer date

2,75 €

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 from bank account or card credit
Price
Cash withdrawals from bank account in Finland at a branch 0,00 €

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 €        

0,60 €

Cash withdrawals from card credit in Finland per withdrawalInterest-bearing as of the drawdown date
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 withdrawal0,60 €

Cash withdrawals in euros at ATMs from credit account in the EEA Member States 

Cash withdrawals in euros at ATMs from bank account in the EEA Member States  

Interest-bearing as of the drawdown date

Cash withdrawals in euros from credit account at branches in the EEA Member States 

Cash withdrawals in euros from bank account at branches in the EEA Member States 

Interest-bearing as of the drawdown date

2,00 € + 3 %

Cash withdrawals from credit account in currencies other than the euro at branches and/or ATMs in EEA Member States and outside the EEA

Cash withdrawals from bank account in currencies other than the euro at branches and/or ATMs in EEA Member States and outside the EEA 

Interest-bearing as of the drawdown date

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.4,50 €
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
Annual feePrice
Nordea Gold combination card or Nordea Gold30,00 €
Parallel card36,00 €

Monthly feePrice
Nordea Gold combination card or Nordea Gold2,50 €
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 query1,00 €
Balance query at an ATM0,40 €
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 %

2,25 €

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 €

0,60 €

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

0,40 €
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

You can apply for the card directly in Netbank.

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Apply by leavingus a contact request

Leave a contact request and we will call you.

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Frequently asked questions about the Nordea Gold 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 new 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. 

To edit your settings in the old Netbank, go to Everyday finances -> Cards -> Security limits / Usage area and Internet.

Learn how to use your card safely.

Card renewal and delivery methods

Replacing a damaged card 

You can order a new card in the old Netbank under Cards > 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.

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.