Stockmann Mastercard

Stockmann Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 22,5% and the price of credit is 1,671 euros, when the nominal interest rate is the 3-month Euribor (04/2025) + 12.5% and the monthly account management fee of 4 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.

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In Nordea Mobile

1. Open Nordea Mobile and select the card whose settings you wish to change.
2. Tap “Edit credit”.
3. Now you can change the minimum instalment percentage, instalment-free months and/or the due date of your credit. You can change all three features at once or just one of them.
4. Once you have made the changes, confirm them with the Nordea ID app.

In Nordea Netbank

1. Open the netbank, choose "Finances" and then "Cards".
2. Select the card whose settings you wish to change and tap “Edit credit”.
3. Now you can change the minimum instalment percentage, instalment-free months and/or the due date of your credit. You can change all three features at once or just one of them.
4. Once you have made the changes, confirm them with the Nordea ID app or device.

Please note that the instalment-free months cannot be consecutive months. The minimum instalment is 3% a month. If you want to change the due date or instalment percentage on an invoice that has already been created, please call us or contact us via chat. The changes are subject to a fee set in our tariff. 

Transfer money from your credit facility to your current account

In Netbank and Nordea Mobile, you can transfer money from your credit card to your personal bank account or a bank account you are authorised to use. For example, you can transfer 100 euros from the credit facility to your account if you won’t receive your salary for another week.

• In Nordea Mobile: Select the card > tap "Pay and transfer" > "Own transfer" > select the bank account and add the amount > tap "Confirm transfer".
  
• In Netbank: Select "Finances" > "Cards" > select the card > "Own transfer" > elect the bank account and add the amount > tap "Confirm".
  

Please note that interest will begin accruing on any cash you withdraw from your credit facility from the day of the withdrawal. Alternatively, a withdrawal fee may be charged. See the tariff for your card.

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

• In Netbank: Go to Finances > Cards > select your card > click "View PIN" and "Show PIN"
• In Nordea Mobile: Select your card > tap "PIN code" > and "Show PIN".

You can link your card to a bank account and choose whether payments and cash withdrawals are taken out of your credit card account (credit) or your bank account (debit). Any card payments and cash withdrawals that you make abroad are always taken in euros either from your bank account (debit) or your credit card account (credit).

You can apply to increase the credit limit of your card in Nordea Mobile and Netbank or by filling in the form below.

1. In Nordea Mobile or Netbank, select ‘Services’.
2. Select ‘Credit and payment cards’ and then ‘Increase the credit limit of your Stockmann Mastercard’.
3. Select “Apply for an increase” and the application form will open in a new window or tab. To verify your identity, you will need the Nordea ID app or the Nordea ID device. Your application will be processed automatically and you will receive a message with the decision in Nordea Omaposti.

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.

You can edit the security settings on your card in Nordea Mobile and Netbank. 

• In Netbank: Go to Finances > Cards. Select the card you want to edit > click on Card details to make the changes. 
  
• In Nordea Mobile: Select the card you want to edit > Settings. 

Learn how to use your card safely.

Replacing a damaged card

• 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 and tap on Settings > Renew early.
• Call Nordea Finance Customer Service.  

When your card is about to expire, you will be sent a new card automatically

Your card is valid until the end of the month in which it expires, and you can check the expiry date on the front of your card. You will receive a new card by post before your card expires. Please check your post to see whether you have already received your new card.

Your new card will be delivered to your home address

Your card will be sent to the home address in Finland that you have given to Nordea. You can expect to receive your new card within approximately two weeks from the date on which you ordered it. There is no delivery charge. Alternatively, you can ask for express delivery by contacting Nordea Customer Service. With express delivery, your card will arrive at your home address within approximately one week. Express delivery costs EUR 10.

Read more about our card delivery methods, or ask Nordea Customer Service for more information about, for example, having your card delivered to an address abroad.

You can terminate a card by informing Nordea Finance Customer Service of this in writing

If you want to terminate and cancel your card, you can do it digitally in the OmaLuotto service or by submitting a termination request. See further instructions on how to terminate your card. 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.

Card transactions

Credit card transactions:

• Select your card on the front page of Nordea Mobile or Netbank. Here you’ll see a list of the latest transactions made with your card’s credit facility.
  
• In Netbank you can check your latest e-invoice and look at your older credit card transactions by browsing older e-invoices. Log in to Netbank and go to Payments > E-invoices > History. On e-invoices you can also see card transactions older than 1 to 3 months. Your e-invoices will be stored in Netbank for 18 months.
• In Nordea Mobile you can see your latest e-invoice. Log in to Nordea Mobile. Go to Payments and e-invoices, open your credit card invoice and tap 'Invoicer’s breakdown'.
• In Nordea Finance’s OmaLuotto service.

Debit card transactions:

• Select the account linked to your card in Nordea Mobile or Netbank. For example, if your card is linked to your current account, you’ll see the transactions made with your debit card in your account transactions.
  

Please note that the name of the seller under a card transaction may be different from the name of the creditor on your invoice in cases of restaurants and taxi companies, for example.  

What does the 30-day interest-free payment period mean in credit cards?

When you pay your purchases with your card’s charge and credit facility, you get an interest-free payment period of 30 days on average.

Example: buying a vacuum cleaner The due date of the credit card invoice is the 15th of each month and the invoicing period is from 25 March to 26 April. We recommend that you choose the date on which you receive regular income as the due date to make it easy for you to pay the invoice when you have money available. 

• 1 April You buy a vacuum cleaner. 
• 15 April Due date on the credit card invoice, on which you pay the invoice for the previous invoicing period (March).
• 15 May Due date for purchases made in April, including the vacuum cleaner in this case. 

Invoicing period changes on 26 April. Any purchases made after this date will be invoiced in June. If you had bought the vacuum cleaner on 26 April, you would still pay it on 15 May. If you had bought the vacuum cleaner on 27 April, the due date would be 15 June instead.

What changes can I make independently to my card invoices?

You can change the due date, the instalment percentage and the instalment-free months 

• in Nordea Mobile: select the card you want to edit and tap ‘Edit credit’.
• in Nordea Netbank: go to Finances > Cards. Select the card you want to edit, and under the ‘Card details’ section, click ‘Edit credit’.
• in OmaLuotto: go to section ‘Credit account settings’ (with online banking codes of any Finnish bank).

The instalment percentage may be 3–100% of the credit amount. The instalment-free months may not be consecutive. Please note that you cannot combine the instalment-free months with invoicing of equal-payment purchases. 

If you want to change the due date or instalment percentage on an invoice that has already been created, please call Nordea Finance Customer Service. The changes are subject to a fee set in our tariff.

See your credit card invoice for the invoicing period, monthly transactions and payment details. The breakdowns for e-invoices are available in Nordea Netbank and Nordea Mobile.

Can I choose to pay extra?

You can make extra instalments or pay off your debt whenever you want. You can also increase the total on your credit card invoice. Here are more specific instructions for different cards. 

You can easily pay off your full credit amount or a part of it in Nordea Mobile. Select your credit card on the front page and go to Pay and transfer > Used credit. Here you can set the amount you want to pay. Other details will be filled in automatically. 

You can also repay your credit card debt in Nordea Netbank. Select your card on the Overview page and click ‘Pay back’. Select the payment account and the repayment amount. Other details will be filled in automatically. Your repayment will show immediately. 

You can easily pay off your credit card debt whenever you want. You can see the current credit balance in Nordea Mobile and Nordea Netbank under your card details or in the OmaLuotto service.

You can easily pay off your credit card debt on the due date of the next invoice. See the invoice for the total credit balance and interest up to the due date.