Stockmann Mastercard

Enjoy the monthly benefits and offers of the Stockmann Loyal Customer programme. You will benefit the most by making all purchases with your Stockmann Mastercard.

Stockmann Mastercard - customer benefits

As a holder of Stockmann Mastercard, you are entitled to all MyStockmann loyalty programme benefits and get to enjoy the advantages of card payments. 

Upon the opening of Stockmann Mastercard credit, you will be awarded 50 MyStockmann points. For each purchase made at Stockmann, you will earn one point for one euro and get a discount of 0.5% when you pay your purchase with Stockmann Mastercard. 

Moreover, when you use your Stockmann Mastercard credit at Stockmann or elsewhere, you will earn 5 extra points per month.

Stockmann Mastercard in brief

  • The credit limit is 1,500–10,000 euros. 
  • The interest rate on the credit is the 3-month Euribor + 12.5%.
  • Get an interest-free repayment period of 30 days on average for all purchases made with your credit card. 
  • You are entitled to two instalment-free months in a calendar year. 
  • No opening fee or annual fee is charged for Stockmann Mastercard.

How to apply for a card

You can apply for a card if you are a MyStockmann member. Sign up for the MyStockmann loyalty programme at stockmann.com/mystockmann. 

To qualify for the card, you need to have 

  • regular income 
  • a good payment history 
  • a clean credit record. 

You can also apply for a card with joint repayment liability with a family member aged 18 or older who resides in the same household. Parallel cards are available for family members aged 15 or older.

Choose the payment method you prefer


With the contactless payment feature 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 and pay the purchases by holding your smartphone or smartwatch close to the payment terminal. 

You can withdraw cash all over the world at ATMs carrying the Mastercard logo. 

When your card has the debit feature, you can pay for purchases and withdraw cash directly from your bank account in Finland and worldwide.

Flexibility for your finances

You can pay your purchases in instalments and transfer cash from the credit facility to your bank account. 

Your credit card transactions will be included in an invoice that you will receive monthly. You can choose the due date of the invoice and the repayment amount (minimum instalment percentage). You only pay interest on the amount of credit left unpaid after the due date. 

Keep up-to-date with your credit card transactions by using Nordea Mobile or Nordea Netbank. If you don’t have online banking codes from Nordea, you can use the OmaLuotto service (nordearahoitus.fi/omaluotto) to follow your available balance and to transfer cash from the credit facility to your bank account. 

Card usage

Credit interest

Credit interest

Stockmann Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 24.1% and the price of credit is 1,684 euros, when the nominal interest is the 3-month Euribor (November 2020) + 12.5% and the monthly account management fee of 4 euros and the paper invoice fee of 3 euros have been taken into account. Stockmann Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 1,500–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

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

Credit interest

Stockmann Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 24.1% and the price of credit is 1,684 euros, when the nominal interest is the 3-month Euribor (November 2020) + 12.5% and the monthly account management fee of 4 euros and the paper invoice fee of 3 euros have been taken into account. Stockmann Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 1,500–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Prices for Stockmann Mastercard

Price for cards issued from 1.9.2019.

Prices for Stockmann Mastercard
Annual feePrice
Stockmann Mastercard combination card or Stockmann MasterCard0,00 €
Parallel card0,00 €

Additional services Price
Mastercard queries in Netbank, Mobile Bank and in eService per month0,00 €
Mastercard queries by phone
0,33 €
Service fee for an express order of Mastercard
10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query
0,00 €
Balance query at an ATM
0,60 €
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 Netbank0,00 €
Change of credit limit0,00 €
Change of repayment schedule5,00 €
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 ATMInterest-bearing as of the payment date
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 control
0,00 €
Finder’s fee0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €

Cash withdrawals in FinlandPrice
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 at ATMs per withdrawalInterest-bearing as of the drawdown date

Cash withdrawals abroadPrice

Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month.

Cash withdrawals in euros at ATMs in the EEA Member States 5 or more withdrawals per month per withdrawal.

0,00 €

0,60 €

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

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

Interest-bearing as of the drawdown date 

2,00 € + 3 %

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

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

Interest-bearing as of the drawdown date 

2,00 € + 3 %

Cash withdrawals with Nordea Bank Oyj’s international cards 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 €

Fees related to account maintenancePrice
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. 4,00 €

Transaction feesPrice

Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro

2,25 %

*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.

Apply for a card

Apply now Opens new window