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Apply for a credit limit increase in Nordea Mobile or Netbank

Make the most of your credit card by ensuring its limit matches your spending needs. For example, paying for an expensive holiday on credit may require a higher limit. Depending on your card and financial situation, you can apply for a credit limit between 1,500 and 42,100 euros.

The application is free and can be done easily in Nordea Mobile or Netbank. Please note that approval requires well-managed finances and a regular income.

See our card-specific instructions for increasing your credit limit

Easily adjust other features of your credit card

You can adjust the following to suit your needs:

  • Instalment percentage – decide how much of your outstanding balance you pay back each month.
  • Instalment-free months – enjoy up to two months per year where you only pay interest and fees.
  • Due date – choose the day of the month that works best for you.

How to make these changes

  1. Go to your card details in Nordea Mobile or Netbank.
  2. Select “Edit credit”.
  3. Make your changes and confirm them. 
Tip

Control your monthly payments

  • Lower instalment percentage:Your monthly payment is smaller, giving you more flexibility in your repayment schedule.
  • Higher instalment percentage:Your monthly payment is larger, but you’ll pay off your credit faster. This will reduce your overall credit costs.

Regardless of your chosen percentage, you can always make overpayments or pay off the entire balance at any time.

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How to apply for a higher credit limit

You can apply to increase your credit limit if you have a regular income, a good payment history and a clean credit record. The factors determining the credit limit you can get include your income, your current debt and the balance of your finances.

See our card-specific instructions for increasing your credit limit below.

Increase your Nordea Platinum limit
Increase your Nordea Gold limit
Increase your Nordea Credit limit
Increase your Nordea Premium limit
Increase your Stockmann or Tuohi Mastercard limit

How to apply for a higher credit limit on Nordea Platinum

You can apply to increase the credit limit on your Nordea Platinum card to up to 42,100 euros.

  1. Go to the Services tab in Nordea Mobile or Netbank.
  2. Select “Credit and payment cards” and then “Nordea Platinum Mastercard”.
  3. Start the application by selecting “Raise card limit”.
  4. Fill in and submit your application.

Go to Netbank

How to apply for a higher credit limit on Nordea Gold

You can apply to increase the credit limit on your Nordea Gold card to up to 10,000 euros.

  1. Go to your card details in Nordea Mobile or Netbank.
  2. Start the application by selecting “Increase credit limit”.
  3. Fill in and submit your application.

Go to Netbank

How to apply for a higher credit limit on Nordea Credit

You can increase the credit limit on your Nordea Credit card to up to 5,000 euros.

  1. Go to the Services tab in Nordea Mobile or Netbank.
  2. Select “Credit and payment cards” and then “Nordea Credit”.
  3. Select “Raise your credit card limit” and fill in our contact form.
  4. We will call you once we have received your contact request.

Apply to increase your credit limit online

How to apply for a higher credit limit on Nordea Premium

You can apply to increase the credit limit on your Nordea Premium card to up to 20,000 euros.

The Nordea Premium credit limit increase application is not available in Nordea Mobile or Netbank. You can apply for a credit limit increase by filling in our online form.

Apply to increase the credit limit on your Nordea Premium card

Frequently asked questions about credit limits and other credit features

Credit card costs
Calculation for Nordea Gold
Calculation for Nordea Platinum
Calculation for Nordea Credit
Calculation for Nordea Premium

Credit card costs and annual percentage rate

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 account to withdraw cash or transfer money to your bank account, we will charge interest starting from the withdrawal date.

Read on to find our example calculations of the annual percentage rate for different credit cards. Besides interest expenses, the calculations include the fees charged for the credit facility, which makes them useful if you want to compare the costs of different loans and credit facilities.

Read more about annual percentage rate

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.

Example calculation for Nordea Platinum

With a Nordea Platinum credit card, the annual percentage rate for an outstanding credit balance of 1,500 euros is 12.1% when the 3-month Euribor reference rate is 1.98% (June 2025), the monthly account management fee is 0 euros, you have opted for the free e-invoice and repay the credit in 12 monthly instalments (133 euros). The estimated total cost of the credit is 1,595 euros. The calculation assumes that the monthly fee is 0 euros. The creditor is Nordea Bank Abp, Satamaradankatu 5, Helsinki, or Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Example calculation for Nordea Credit

With a Nordea Credit credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 13,64 % 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 (140 euros). The estimated total cost of the credit is 1,606.50 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 Credit 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.

Example calculation for Nordea Premium

With a Nordea Premium credit card, the actual annual percentage rate of charge for an outstanding credit balance of 1,500 euros is 30,16 % when the 3-month Euribor reference rate is 2,36 % (04/2025), the monthly account management fee is 4.50 euros, the annual fee for the principal card is 90 euros, the customer has opted for the free e-invoice and repays the credit in 12 monthly instalments (145 euros). The estimated total cost of the credit is 1,725 euros. Nordea Premium 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. 

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