Skip menuLog in to Nordea NetbankLog in to Nordea Business

Cashback

Get cashback on purchases you pay on credit.

Travel insurance

International travel insurance for your whole family.

Priceless

Exclusive access to presale tickets for concerts and events.

Nordea Gold in brief

Nordea Gold is our most popular combination card that offers a great balance of perks and cost. With the launch of our updated Loyalty Programme, Nordea Gold became even more versatile. 

  • The credit limit is 5,000–10,000 euros.
  • The interest rate on the credit is the 3-month Euribor + 13.9 %.
  • The monthly credit account management fee is 0 euros.
  • Get cashback on purchases you pay with your card’s credit facility. The benefit is available with both new and old Nordea Gold cards.
  • International travel insurance and Product Safety Insurance included. 
  • You can add the K-Plussa feature to your card. 
  • Mastercard’s Priceless programme gives you exclusive access to presale tickets for events and concerts.

The features of old cards will remain unchanged.

The credit limit and margin for Nordea Gold cards issued before 1 May 2026 will be different than for the cards issued after that date.

  • Credit limit: The credit limit of old cards can be between 1,500 and 10,000 euros.  
  • Margin: The margin for old cards is 9.5%. The interest rate on the credit is the 3-month Euribor + margin. 
  • Credit account management fee: For old cards, a monthly account management fee of 4.50 euros will be charged when you have interest-bearing debt.  

Please note that if you increase the credit limit on your old Nordea Gold card in May or later, the credit features will be the same as in the new cards. 

The monthly fees for all cards are based on the updated Loyalty Programme as of 1 May. 

See the new tariff

1. Am I eligible?

You can apply for a credit card if you:

  • are aged 18 or over
  • live permanently in Finland
  • have a regular income and a good payment history
  • have a clean credit record.

2. Apply for a card


Applying for Nordea Gold is easy in Nordea Mobile or Netbank. Fill in, confirm and send us the application.

Start application

3. Card delivery


Once your application has been approved, you will see the card in Nordea Mobile. You can add it to your phone’s mobile payment app after 1 or 2 banking days.

We will post the physical card to your home address within about two weeks.

Not banking with us yet?


If you are not yet a Nordea customer and want to apply for Nordea Gold, you can become our customer online.

Become a customer

Travel insurance in your card
Safe purchases

International travel insurance

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.

Are you a student?

Read more about Nordea Gold card for students

Nordea Gold offers many types of protection

Apply for the card online

How to start using the card
Card settings
Using a credit card

How to start using your new card

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 

How to check your card settings

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

General instructions for using a credit card

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

Frequently asked questions about the Nordea Gold card

Apply for a card in Netbank

You can apply for the card directly in Netbank.

Apply here
Monthly fee and interest
All prices
Prices for cards issued before 1.9.2019
Terms and consumer rights

Monthly card fee

  • A Nordea Gold card costs 5.99 euros per month, containing the card (2.99 euros per month) and the additional services included in it. 
  • You can get the card at a lower monthly fee as part of our service packages for daily banking. For example, our Value Customers get the Gold package for 0.99 euros per month. 

Read more about our service packages 

Credit card costs

  • The interest rate on the credit is the 3-month Euribor + 13.90%. 
  • Any purchases you pay for with your credit card have a 30-day interest-free payment period. If you use your credit card to withdraw cash or transfer money to your bank account, you will pay interest starting from the withdrawal date.

Example calculation for Nordea Gold

With a Nordea Gold credit card, the annual percentage rate for an outstanding credit balance of 1,500 euros is 22.1% when the 3-month Euribor reference rate is 2.08% (April 2026). The calculation assumes that you have opted for the free e-invoice, repay the credit in 12 monthly instalments (133 euros) and pay 2.99 euros per month for the credit facility. The calculation does not include any additional services included in the total monthly fee for the card. The estimated total cost of the credit is 1,669 euros.

The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Other costs related to the card

Paper invoices and certain additional services ordered separately are subject to separate fees set in our tariff. 

See all prices

Full tariff for Nordea Gold cards from 1 May 2026

The monthly fee for a Nordea Gold card with additional services is 5.99 euros. You can get the card at a lower monthly fee as part of our service packages for daily banking.

 

Read more about our service packages

 

Parallel cards have the same fee as their principal card, and we recommend that you include them in the parallel card holder’s or principal card holder’s service package like any other card.

 

Read more about parallel cards

Monthly fee for Nordea Gold cards
FeePer month
Without a service package or not included in a package5,99 €
Prices for additional service related to credit cards
Additional servicePrice

Picture card 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 MasterCard20,00 €
Transaction query for bank 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 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 €
Copies of invoices and receipts/per item7,00 €
Change or renewal of card during its validity10,00 €  
Finder’s fee0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €
Cash withdrawals in Finland 
Cash withdrawal
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 withdrawalPrice

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 feePrice
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.

Fees for Nordea Gold cards issued before 1 September 2019

The monthly fee for a Nordea Gold card with additional services is 5.99 euros. You can get the card at a lower monthly fee as part of our service packages for daily banking.

 

Read more about our service packages

 

Parallel cards have the same fee as their principal card, and we recommend that you include them in the parallel card holder’s or principal card holder’s service package like any other card.

 

Read more about parallel cards

Monthly fee for Nordea Gold cards
FeePer month
Without a service package or not included in a package5.99 euros
Additional services
Additional servicePrice

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 Mastercard20,00 €
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 limit0,00 €
Change of repayment schedule
0,00 €
Transfer from credit card2,00 € + 3 %
Printed credit card invoice/per invoice3,00 €
Copies of invoices and receipts7,00 €
Change or renewal of card during its validity10,00 €  
Finder’s fee0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €
Cash withdrawals in Finland
Cash withdrawalPrice
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 withdrawalPrice

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 feePrice
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. 

Need help?

Personal customers