Adjust your credit card settings
Read about your card’s flexible features and how you can adjust them in Nordea Mobile and Netbank. And don’t forget the extra benefits you get by paying with your credit card, including insurance.
Login to the personal customer’s Netbank
Log in to Nordea NetbankLogin to corporate customer’s netbank.
Log in to Nordea BusinessDid you know that you can adjust the settings of Nordea credit cards and consumer loans in Nordea Mobile or Netbank? You can add instalment-free months, change the instalment percentage in your repayments or apply for a raise to your credit limit, for example.
Did you know that you can adjust the settings of Nordea credit cards and consumer loans in Nordea Mobile or Netbank? You can add instalment-free months, change the instalment percentage in your repayments or apply for a raise to your credit limit, for example.
Read about your card’s flexible features and how you can adjust them in Nordea Mobile and Netbank. And don’t forget the extra benefits you get by paying with your credit card, including insurance.
Read more about what changes you can make to your FlexiCredit, your secured consumer credit, the repayment schedule of your student loan and your car hire purchase agreement.
Nordea’s new housing loans come with a FlexiPayment feature which allows you to take a break from the instalments or pay only part of the instalments in addition to the interest. Another option is to apply for a payment holiday.
Nordea Mastercards are great for many situations
Below, you can read about the flexible features of your card and our instructions on how to use it:
Change of the due date of your credit card invoice, the instalment-free months and the instalment percentage:
Raising your credit limit
You can move the due date of your credit card invoice so that it comes after your payday.
You can change the due date free of charge. Please note that the changes will take effect beginning from the next invoice.
You can apply the changes yourself in Nordea Mobile or Netbank.
You can select two instalment-free months a year. Instalment-free means that you only have to pay interest in that month. Please note that the instalment-free months cannot be consecutive months.
You can add or change instalment-free months free of charge. You can apply the changes yourself in Nordea Mobile or Netbank.
You can choose an instalment percentage between 3% and 100% for your credit. If your instalment percentage is 100%, you have to repay all the credit you have used each month. The smaller the instalment percentage, the more flexibility you will have in your daily finances. And you can always choose to pay more than the minimum amount. Please note, however, that the minimum instalment is 45 euros per month.
You can apply the changes yourself in Nordea Mobile or Netbank free of charge.
With the Nordea Gold card, you can apply to increase your credit limit up to 10,000 euros.
You can raise your credit limit in Nordea Netbank. Please note that you may be charged a fee for increasing your credit limit. See detailed prices for your card in our tariff.
You get an interest-free payment period of 30 days on average, after which you can pay off your credit balance in full or repay it in monthly instalments. If you decide to leave part of the balance unpaid, you will pay interest on the remaining balance as determined in the card terms and conditions.
You can transfer money in Nordea Netbank and Mobile from your credit card to your 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.
Please note that interest will begin accruing on any money you transfer from your credit facility from the day of the transfer, or alternatively we will charge you a one-time fee for the transfer. See the prices of your card.
You will get international travel insurance when you pay at least 75% of your total travel and accommodation costs with your Nordea Gold card’s credit facility.
Product Safety Insurance gives extra cover for products you buy on credit for your home or holiday home. The insurance covers a broken or damaged product worth at least 100 euros in accordance with the insurance terms and conditions when you pay for the product with the credit facility of your Nordea Gold card.
You can move the due date of your credit card invoice so that it comes after your payday.
You can change the due date free of charge. Please note that the changes will take effect beginning from the next invoice.
You can apply the changes yourself in Nordea Mobile or Netbank.
You can select two instalment-free months a year. Instalment-free means that you only have to pay interest in that month. Please note that the instalment-free months cannot be consecutive months.
You can add or change instalment-free months free of charge. You can apply the changes yourself in Nordea Mobile or Netbank.
You can choose an instalment percentage between 3% and 100% for your credit. If your instalment percentage is 100%, you have to pay the entire amount of the credit you have used. The smaller the instalment percentage, the more flexibility you will have in your daily finances. And you can always pay more than the minimum amount. Please note, however, that the minimum instalment is 45 euros per month.
You can apply the changes yourself and free of charge in Nordea Mobile or Netbank.
With the Nordea Credit card, you can apply to increase your credit limit up to 5,000 euros.
You can raise your credit limit in Nordea Netbank. Please note that you may be charged a fee for raising the amount of your credit. See detailed prices for your card here.
You get an interest-free payment period of 30 days on average, after which you can pay off your credit balance in full or repay it in monthly instalments. If you decide to leave part of the balance unpaid, you will pay interest on the remaining balance as determined in the card terms and conditions.
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.
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 make the transfer in Nordea Mobile or Netbank.
Product Safety Insurance gives extra cover for products you buy for your home or holiday home. The insurance covers a broken or damaged product worth at least 100 euros in accordance with the insurance terms and conditions when you purchase the product with the credit facility of your Nordea Credit card.
You can move the due date of your credit card invoice so that it comes after your payday.
You can change the due date free of charge. Please note that the changes will take effect beginning from the next invoice.
You can apply the changes yourself in Nordea Mobile or Netbank.
You can select two instalment-free months a year. Instalment-free means that you only have to pay interest in that month. Please note that the instalment-free months cannot be consecutive months.
You can add or change instalment-free months free of charge. You can apply the changes yourself in Nordea Mobile or Netbank.
You can choose an instalment percentage between 3% and 100% for your credit. If your instalment percentage is 100%, you have to repay all the credit you have used. The smaller the instalment percentage, the more flexibility you will have in your daily finances. And you can always choose to pay more than the minimum amount. Please note, however, that the minimum instalment is 150 euros per month.
You can apply the changes yourself in Nordea Mobile or Netbank free of charge.
With the Nordea Premium card, you can apply to increase your credit limit up to 20,000 euros.
If you want to increase your limit, please contact Nordea Customer Service.
Note that you may be charged a fee for increasing your credit limit. See detailed prices for your card in our tariff.
You get an interest-free payment period of 30 days on average, after which you can pay off your credit balance in full or repay it in monthly instalments. If you decide to leave part of the balance unpaid, you will pay interest on the remaining balance as determined in the card terms and conditions.
You can transfer money in Nordea Netbank and Mobile from your credit card to your 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.
Please note that interest will begin accruing on any money you transfer from your credit facility from the day of the transfer, or alternatively we will charge you a one-time fee for the transfer. See the prices of your card.
You will get international travel insurance when you pay at least 75% of your total travel and accommodation costs with your Nordea Premium card’s credit facility.
Product Safety Insurance gives extra cover for products you buy on credit for your home or holiday home. The insurance covers a broken or damaged product worth at least 100 euros in accordance with the insurance terms and conditions when you purchase the product with the credit facility of your Nordea Premium card.
You can move the due date of your credit card invoice so that it comes after your payday.
You can change the due date free of charge. Please note that the changes will take effect beginning from the next invoice.
You can apply the changes yourself in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.
You can select two instalment-free months a year. Instalment-free means that you only have to pay interest in that month. Please note that the instalment-free months cannot be consecutive months.
You can add or change instalment-free months free of charge.
You can apply the changes yourself in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.
You can choose an instalment percentage between 3% and 100% for your credit. If your instalment percentage is 100%, you have to pay the entire amount of the credit you have used. The smaller the instalment percentage, the more flexibility you will have in your daily finances. And you can always pay more than the minimum amount.
You can apply the changes yourself and free of charge in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.
With Finnair Plus Mastercard, you can apply to increase your credit limit up to 10,000 euros.
You can raise your credit limit in Nordea Netbank. Please note that you may be charged a fee for raising the amount of your credit. See detailed prices for your card here.
You get an interest-free payment period of 30 days on average, after which you can pay off your credit balance in full or repay it in monthly instalments. If you decide to leave part of the balance unpaid, you will pay interest on the remaining balance as determined in the card terms and conditions.
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.
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 make the transfer in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the transfer in the OmaLuotto serviceOpens new window.
When you pay your whole trip abroad (100%) with the credit facility of your Finnair Plus Mastercard, you and all your family members travelling with you will be covered by travel insurance.
In addition, the cash withdrawal cover compensates cash funds withdrawn from the Finnair Plus Mastercard credit account in a foreign country up to 850 euros if they are stolen from you within 24 hours of the withdrawal.
You can move the due date of your credit card invoice so that it comes after your payday.
You can change the due date free of charge. Please note that the changes will take effect beginning from the next invoice.
You can apply the changes yourself in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.
You can select two instalment-free months a year. Instalment-free means that you only have to pay interest in that month. Please note that the instalment-free months cannot be consecutive months.
You can add or change instalment-free months free of charge.
You can apply the changes yourself in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.
You can choose an instalment percentage between 4% and 100% for your credit. If your instalment percentage is 100%, you have to pay the entire amount of the credit you have used. The smaller the instalment percentage, the more flexibility you will have in your daily finances. And you can always pay more than the minimum amount.
You can apply the changes yourself and free of charge in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.
With Tuohi Mastercard, you can apply to increase your credit limit up to 10,000 euros.
You can raise your credit limit in Nordea Netbank. If you don’t have Nordea access codes, you can apply to raise your credit limit hereOpens new window.
Please note that you may be charged a fee for raising the amount of your credit. See detailed prices for your card here.
You get an interest-free payment period of 30 days on average, after which you can pay off your credit balance in full or repay it in monthly instalments. If you decide to leave part of the balance unpaid, you will pay interest on the remaining balance as determined in the card terms and conditions.
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.
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 make the transfer in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the transfer in the OmaLuotto serviceOpens new window.
If you buy a product with Tuohi Mastercard and you find the same product for a cheaper price within 30 days, PriceGuard Insurance will compensate you for the price difference. Read more about Tuohi Mastercard’s PriceGuard Insurance
You can move the due date of your credit card invoice so that it comes after your payday.
You can change the due date free of charge. Please note that the changes will take effect beginning from the next invoice.
You can apply the changes yourself in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.
You can select two instalment-free months a year. Instalment-free means that you only have to pay interest in that month. Please note that the instalment-free months cannot be consecutive months.
You can add or change instalment-free months free of charge.
You can apply the changes yourself in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.
You can choose an instalment percentage between 3% and 100% for your credit. If your instalment percentage is 100%, you have to pay the entire amount of the credit you have used. The smaller the instalment percentage, the more flexibility you will have in your daily finances. And you can always pay more than the minimum amount.
You can apply the changes yourself and free of charge in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.
With Stockmann Mastercard, you can apply to increase your credit limit up to 10,000 euros.
You can raise your credit limit in Nordea Netbank. If you don’t have Nordea access codes, you can apply to raise your credit limit hereOpens new window.
Please note that you may be charged a fee for raising the amount of your credit. See detailed prices for your card here.
You get an interest-free payment period of 30 days on average, after which you can pay off your credit balance in full or repay it in monthly instalments. If you decide to leave part of the balance unpaid, you will pay interest on the remaining balance as determined in the card terms and conditions.
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.
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 make the transfer in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the transfer in the OmaLuotto serviceOpens new window.
What kind of flexibility does Nordea offer with consumer credit?
You can apply changes to consumer credit taken from Nordea through our self-service channels or by contacting our Customer Service. Check the instructions for the most common changes below.
Below you can find instructions for making some of the most common changes. You can make changes to your loan easily in Nordea Mobile or netbank – read the instructions here. If you have a joint Flexicredit with someone, please contact Nordea Customer Service to make changes.
Further details, terms and conditions and our tariff are available here.
You can make an extra repayment without notifying us. Just use the account number and reference number shown on your invoice. You will not be charged anything for making extra repayments.
You can increase your FlexiCredit yourself in Nordea Mobile or Netbank by tapping or clicking the ‘Increase credit’ button. Alternatively, you can increase your credit by calling our Customer Service. Read the more detailed instructions on how to raise your credit.
Please note that the instalment-free months cannot be consecutive months. You can add or change instalment-free months free of charge.
Reducing the monthly payment will lengthen the repayment period. If you want to increase your monthly payment (i.e. shorten the repayment period), you can do so free of charge.
You can defer the due date free of charge before your next invoice is created. If the next invoice has already been created, we will charge a fee set in our tariff (5.00 euros) for changing the due date.
You can apply for changes to your secured loans in Nordea Mobile and Netbank. Simply open your loan details and apply for changes. If you can’t see a button that says ‘Apply for changes’ under your loan details in Nordea Mobile or Netbank, you can access the same application also on our website.
Further details, terms and conditions and our tariff are available here.
Using the FlexiPayment feature is the easiest way to add flexibility to loan repayment. Check in Nordea Mobile or Netbank if FlexiPayment is attached to your loan. If it is, this will be shown in the details of your secured consumer loan.
If you have outstanding secured consumer credit, you can repay it in full by calling us on 0200 70 000 or contacting us via chat.
To increase your secured consumer credit, please fill in a new application in Nordea Netbank or Nordea Mobile or on the nordea.fi website.
You can make changes to your car hire purchase agreement by sending us a message through Nordea OmapostiOpens new window. If you are a Nordea customer, you can also send us a message through Nordea Mobile or Netbank – choose ‘Nordea Finance’ as the subject of the message.
Check the status of your hire purchase agreement easily in our self-service toolsOpens new window.
Read the answers to frequently asked questionsOpens new window about car finance.
The repayment of student loans usually begins 1.5–2 years after the payment of student financial aid ends. You can still make changes to the repayment schedule of your student loan after you have agreed on it with us.
You can apply for an instalment-free period for your student loan or change the amount and due date of your repayment, the management account and the repayment method. Any changes are subject to a fee in accordance with our tariff that will be charged in connection with the next repayment of the loan. Go to the application formOpens new window.
Read more about repaying a student loan, student loan compensation and the student loan tax deduction.
An instalment-free period is subject to a fee set in our tariff (5.00 euros).
A reduction of the monthly payment is subject to a fee set in our tariff (5.00 euros).
You can defer the due date free of charge before your next invoice is created. If the next invoice has already been created, we will charge a fee set in our tariff (5.00 euros) for changing the due date.
You can change the management account for your loan free of charge.
Have you taken out one or more consumer loans from another financial institution? We will help you replace your current loans with a single flexible and sensible Nordea loan. By consolidating your loans, you will save on ongoing costs, as you will only pay expenses for one loan. The consolidation loan is granted as Nordea FlexiCredit.
It might be a good idea to consolidate your loans with Nordea if:
You are an existing customer of Nordea.
You are permanently employed or retired.
You have one or more small loans or credit from another financial institution totalling a maximum of 50,000 euros.
You have no registered payment defaults.