When your card is not working

Sometimes you may be facing a situation in which your card is not working. Editing your card settings may help and you will be able to continue using the card. This page contains instructions and tips that you can try when your card is not working at a payment terminal, at an ATM or online.

You can try the instructions and tips below, when your card is not working at a payment terminal, at an ATM or online.

Available balance on your account/available amount of credit

  • Check that the balance is sufficient on your bank or credit account or activate the credit transaction query service in your mobile bank or Netbank. You can also view your balance or credit transactions at an ATM. A fee is charged for balance queries at ATMs in accordance with the valid tariffOpens new window.
  • The spending limit of a parallel card has an effect on how much credit the parallel card holder can use during an invoicing period. The parallel card holder can agree on the spending limit with the principal card holder by contacting Nordea Customer service on the phone or via chat and identifying themselves.

Please note than in some cases your payments may show on the account with a few days’ delay.

Security limits

You can check your card’s security limits and change them when necessary in your mobile bank or Netbank.

For security reasons, the security limits on your card should be set low and changed as necessary when making a larger purchase in order to prevent debiting of higher amounts from your account in cases of misuse.

Please also check the following restrictions in your mobile bank or Netbank:

  • Usage area
  • Online usage
  • Online gambling is prevented on cards renewed after 9 May 2018 (does not automatically apply to annually renewed cards). You can remove the block by calling Nordea Customer Service.
Payment terminal

Payment terminal

If you card is not working at a payment terminal, check the following:

If you card is not working at a payment terminal, it may be because of a technical delay or disturbance in international telecommunications connections and the connection is slow. Still, check the following:

  • That the chip is not dirty or the magnetic stripe too worn out. You can clean the chip by wiping it against a cloth
  • Whether you have inserted the card in the reader deep enough
  • If the tricks listed above did not help, please contact Nordea Customer Service at 0200 70 000.
  • Start using Google Pay or Apple Pay and make payments by taking your mobile phone close to the contactless payment terminal. It’s like paying with a card – only more convenient. Read more about the mobile payment alternatives.
Online payments