The benefits of Nordea Gold Mastercard

  • No monthly fee as long as you have one of our daily banking packages.

  • You get an average interest-free payment period of 30 days for purchases you make with your card’s credit facility.

  • You can choose a credit limit between 1,500 and 10,000 euros.

  • You can have two instalment-free months a year.

  • Product Safety Insurance and travel insurance give your purchases additional protection.

  • Your card is a combination card, giving you the flexibility to charge your purchases either to the credit facility (credit) or your bank account (debit).

No surprises

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Check Nordea Mobile or Netbank regularly to see the credit amount you have used.

Use our mobile and online banking services to see your payments and card details and pay off your credit.

Did you know?

Apply for the card online

You can easily apply for a Nordea Gold card in Nordea Mobile or Nordea Netbank. The card will be posted to you.

You can apply for a Nordea Gold for your personal use or for joint use with a family member aged 18 or older who lives in the same household. To qualify for the card, you need to have a regular income, a good payment history and a clean credit record.  

How to apply for Nordea Gold in Nordea Mobile

Mobile payments

Contactless payment with smartphone or smart watch - small

You can add Nordea Gold to your phone, smart watch or other wearables – and start making mobile payments! You can also make mobile payments exceeding 50 euros with your phone.

Nordea’s cards are compatible with Google PayApple Pay and Samsung Pay. When you add both the credit and the debit side to these apps, you can flexibly choose between paying on credit and paying from your bank account.

Learn about mobile payments

Travel with confidence

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

When you pay with the credit facility of your card, you qualify for protection under the Finnish Consumer Protection Act. It covers the cost of your plane tickets if the airline company goes bankrupt before or during your trip, for example.

Three reasons to choose Nordea Gold Mastercard

  1. A handy combination card. Nordea Gold gives you the flexibility to charge your purchases either to your bank account (debit) or to the credit facility (credit). 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.
  2. Safe purchases. Nordea Gold comes with comprehensive travel insurance for trips abroad and Product Safety Insurance protecting items you buy for your home. They cover the purchases you pay with the card’s credit facility and remain valid even if you pay off the credit balance right after you make the purchase. Read more about the insurance policies that come with your credit card
  3. User-friendly digital services. Adjusting the card’s payment settings is easy in Nordea Mobile or Netbank. You can determine the cut-off date for your credit card invoice as well as the instalment percentage (3–100%). You will always have the option to make repayments before the invoice is generated.

Frequently asked questions about the Nordea Gold card

Credit interest
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 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

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.

Monthly feePrice
Nordea Gold card2,50 €
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 query1,50 €
Balance query at an ATM0,80 €
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/change0,00 €
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

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 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 €        

1,00 €

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 withdrawal1,00 €

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

Prices for Nordea Gold

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.

Annual feePrice
Nordea Gold card30,00 €
Parallel card36,00 €

Monthly feePrice
Nordea Gold card2,50 €
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 €
Checking card PIN in Netbank
0,00 €
Change of credit limit10,00 €
Change of repayment schedule
0,00 €
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

You can apply for the card directly in Netbank.

Apply here Opens new window

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

PIN and account

You can easily check your card’s PIN in Nordea Mobile or Netbank.

Read more about the 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). 

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

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. 

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.