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Tips on using your card abroad

When you are about to go on a holiday, you should check the geographical restrictions and security limits on your card. In addition, we recommend you download the mobile bank app to be able to check your account transactions if necessary. Read our tips on how to use your card, withdraw cash and handle your other payment needs abroad smoothly.

1. Use and store your card correctly

When you are travelling, we recommend taking two cards with you. Keep one of the cards extra safe, in a safety box at your hotel, for example. This way you can ensure that you will have a card to pay and withdraw cash with even if your other card is lost or stolen.

It is always good to be careful when using your card. When you pay with your card at a restaurant, for instance, or withdraw cash from an ATM, always check the amount before accepting the payment or withdrawal.

2. Make sure you have enough credit 

Before heading for your holiday, remember to check the credit limit on your credit card and how much credit you have left. This way you will be able to handle unexpected situations and will not run out of credit in the middle of your trip. You can apply for a raise to your credit limit and make other changes yourself in Netbank under Cards -> Changes to credit card.

People often spend more than normally when on holiday. If you feel your monthly instalment is too high, you can change it and spread the credit repayment more evenly over several months. The minimum monthly instalment is 3%.

3. Remember to check the geographical restrictions and security limits on your card

Check that your security limits are set to a level that fits your needs if you are planning to make large withdrawals or purchases. Look up country-specific ATM withdrawal limits, too.

You can define the area in which your card can be used to make payments and withdrawals by changing its settings in mobile bank or Netbank. If you are not planning to leave the country, restrict your card usage to Finland only.

If you are not going to make any online purchases during your trip, we recommend that you disable online payments on your card for the duration of your trip. In mobile bank, you can easily make changes to the features on your card also during your travels. Tap the picture of the card and select the settings.

4. What should I do if my card is stolen or something goes wrong?

  1. If your card is lost or stolen or its data gets copied, block your card immediately in mobile bank or by calling +358 20 333.
  2. If your card has been misused, file a card complaint to get your lost money back.

Nordea Gold card comes with an extensive overseas travel insurance policy which is valid when you have paid at least 75% of the total travel and accommodation costs with your card’s credit facility.

5. Emergency cash service with Nordea Gold and Premium cards

Nordea offers an emergency cash service to Nordea Gold and Premium card customers if the card is lost, stolen or otherwise unusable.

If you need more information or help regarding the emergency cash service, please call NETS Help LineOpens new window at +358 9 696 4696 (24h).

6. Take mobile bank with you abroad

Before travelling, make sure that the Nordea Codes app and Nordea Mobile are activated on your phone or tablet. Make sure that you have the code app at least on two mobile devices. 

If your mobile device is lost, you can block the code app by logging in to Netbank and disabling the app on the lost device under Edit Netbank -> Access codes.

During your trip, you can check your account transactions and temporarily or permanently block your card in mobile bank.

And you can easily pay your bills on the go if you are using the e-invoice service.

7. If your card is not accepted

It is easy and secure to use a payment card abroad, but in some situations only cash is accepted. You should have enough cash to pay for a taxi from the airport to your hotel.

You can securely withdraw cash with your card also abroad. A good rule of thumb is to choose an ATM that is connected to a well-known bank. You can search for the closest ATM that is part of the Mastercard network with the ATM LocatorOpens new window.

Find out in advance about the international cash withdrawal prices. Check the “Prices” tab on your card’s web pages.