How to check card transactions and authorisation holds

What are authorisation holds?

Authorisation holds are always related to card payments. A card payment is usually registered first as an authorisation hold before actually being charged to your account. The authorisation hold ensures that your account has sufficient funds available to pay for your purchase.

An authorisation hold usually lasts for 10 to 30 days. During this time, you can’t use the held amount even though it has not been debited from your account yet. The authorisation hold will fall off once the vendor has settled the payment or the authorisation hold expires. If the authorisation hold expires, the money will be available to you again.

How to check card transactions in Nordea Mobile and Netbank

You can check your card transactions and authorisation holds easily in Nordea Mobile and Netbank. If you have paid your purchase using your debit card, you will see the transactions and authorisation holds in the transaction list of your current account. Your account transaction history goes back 90 weeks. If you need to find an older transaction, please see your account statement.

If you have paid your purchase using your credit card, you will see the transactions and authorisation holds under the card details. Your card transaction history goes back 1 to 3 months, depending on your card. You can also see your transactions on your credit card invoices. E-invoices are stored in the e-invoice archive in Nordea Netbank for 18 months.

Tip

Get notifications of your card payments to your phone

You can see notifications of your new card payments on your phone by enabling notifications in Nordea Mobile. To find the notification settings, log in to Nordea Mobile and navigate to Profile and Notifications. Then select Notify me of new card payment.

Frequently asked questions about card transactions and authorisation holds

I have an authorisation hold or transaction on my account that I don’t recognise. What should I do?

If you notice an authorisation hold or transaction on your account that you don’t recognise, start by looking at its details. Does the amount, date or name of the payment match a purchase that you’ve made recently? Please note that the name of the seller under a card transaction may be different from the name shown in the authorisation hold in cases of restaurants, for example.

The authorisation hold may be removed later, so be patient and see if it’s ultimately debited from your account. If it is debited and you still don’t recognise it, you can dispute the transaction.

If you suspect fraud related to a debited transaction, remember to also block your card.

Read more about disputing a transaction

Find out how to block your card

My account has two authorisation holds concerning the same transaction. What should I do?

If you notice two identical authorisation holds on your account, you should contact the service provider first. Two authorisation holds can sometimes be registered for the same card payment by mistake, and you should check this with the service provider.

The same applies if the payment has already been debited from your account twice. If the service provider won’t refund you, you can dispute the transaction.

My account has had an authorisation hold for a long time. When will it be released?

An authorisation hold usually lasts for 10 to 30 days. In some cases, a service provider, such as a hotel or car rental service, may register an additional hold. The hold time will then start over and it may last longer than normal.

If you question the validity or duration of an authorisation hold, you should contact the relevant service provider.

Why is the authorisation hold bigger than the payment I made?

The authorisation hold may be bigger than the payment you’ve made if you fuel your car, for example. Self-service petrol stations register an authorisation hold to ensure that your account has sufficient funds available. Once the actual fuel quantity and charge have been registered into the system, the authorisation hold will be updated to reflect the correct amount. Note that it may take longer for authorisation holds to update during the weekends.

I don’t have online banking credentials from Nordea. Where can I see my credit card transactions?

If you have a credit card issued by Nordea Finance but don’t have online banking credentials from Nordea, you can use Nordea Finance’s OmaLuotto service to see your credit card transactions. You can log in to OmaLuotto with the online banking credentials you have from another Finnish bank.

Go to OmaLuotto

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