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What is a parallel card?

A parallel card is a personal credit card with which your spouse or children can use the same credit facility that you use with your principal card. Basically, it is an additional card that makes it possible for several persons living in the same household to use a credit facility. 

The principal card holder is the person who has originally applied for a credit card and is responsible for repaying the credit. The parallel card holder is the person who is granted the right to use the principal card holder’s credit facility with their parallel card. They are not responsible for repaying the credit, as the responsibility always lies with the principal card holder. 

A parallel card can be a handy solution if you want to share your credit card with your spouse or child aged 15 or older. We primarily recommend that our customers aged 18 or over have their own credit card. For minors under 18, we recommend a Nordea Debit card.

A personal card with a shared credit facility

  • Parallel cards have their own card number. 
  • The name on the card is always the parallel card holder’s name, and only they can use the card.  
  • The card uses the same credit facility as the principal card, and the card validity is usually the same.  
  • The principal card holder can set a separate spending limit for a parallel card if they want to limit the use of the card.
Ordering a parallel card
Price of a parallel card

How can I order a parallel card?

A person who is 15 or older and lives in the same household as the principal card holder can get a parallel card. 

Parallel cards are usually of the same type as the principal cards, in most cases combination cards. In order to get a combination card, the parallel card holder must have an account with Nordea to which the debit transactions can be linked. 

The principal card holder can’t apply for a parallel card online, but they have to contact our Customer Service. 

Contact us

Get a parallel card at a lower price in a service package

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

You can get a parallel card and other daily banking services at a clearly lower price than our service-specific tariff by choosing a service package. Service package prices depend on the cards you choose and your customer group in our Loyalty Programme. 

A customer’s service package can include no more than two cards. Any additional cards are subject to our service-specific tariff. 

See our service packages and their criteria 

See our service-specific tariff

The card fee is charged to the parallel card holder 

  • A parallel card can be included in the parallel card holder’s service package if their package does not yet include two cards. If so, the price of the parallel card holder’s package is determined by their banking volume. 
  • The parallel card holder’s package is determined by the most expensive card they have, which can be the parallel card.  
  • For example, if the principal card holder orders a Nordea Platinum as a parallel card, the parallel card holder will have a Platinum package. 

The card fee is charged to the principal card holder 

  • If the parallel card holder does not meet the package criteria or their package already includes two cards, the parallel card fee is charged to the principal card holder. 
  • If the principal card holder has a service package, the parallel card can be included in their package. 
  • If the package of the principal card holder already includes two cards, the parallel card fee is charged according to our service-specific tariff. 

Frequently asked questions about parallel cards

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