Flexibility with credit cards and consumer credit

Nordea’s credit cards and FlexiCredit give you flexibility when your finances are stretched. You can get instalment-free months, change the instalment percentage for your credit card repayments or apply for a raise to your credit limit, for example.

Do you need flexibility in your day-to-day finances?

Nordea’s credit cards and FlexiCredit offer several ways to ease your financial situation. You can get instalment-free months or decrease the instalment percentage for your credit card repayments, for example. To make changes to your credit card in the old Netbank, just follow the instructions below. If you don’t have a Nordea Gold card yet, you can apply for it in the old Netbank. You can also apply for FlexiCredit in either Nordea Mobile or the old Netbank.

Nordea Gold

If you need an extra buffer in your daily finances, as a Nordea Gold card holder you can

  • get 30-day payment terms for your purchases on average with no interest charged
  • apply for a raise to your credit limit up to 10,000 euros
  • change the due date of your invoice
  • get two instalment-free months a year
  • determine your monthly repayment amount by making changes to the instalment percentage. The minimum instalment percentage (3% of the credit amount) gives you extra leeway – and you can always opt to pay more
  • benefit from Purchase Protection and Product Safety Insurance if you pay for your purchases with the credit facility of your card 
  • benefit from the insurance cover for trips abroad included in your card

Apply for a raise to your credit limit or make changes to your credit card in NetbankOpens new window

FlexiCredit

An unsecured loan that allows you to

  • apply for FlexiCredit conveniently in Nordea Mobile or in the old Netbank if you are a Nordea customer or at nordea.fi using the online banking codes of another bank
  • borrow between 2,000 and 50,000 euros and have the money in your account as soon as you have been granted the loan
  • apply for a raise to the credit limit of your existing loan
  • get a flexible repayment schedule between 1 and 5.5 years
  • select two instalment-free months a year
  • make extra repayments or pay off the entire loan whenever it suits you 

Apply for FlexiCredit online

How to make changes to your credit card

You can make many changes to your credit card in the old Netbank. Just make sure you make the changes about a month in advance so that they will be applied to your next invoice.

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Nordea credit cards

You can make the following changes in the old Netbank under “Changes to credit card”:

  • Apply for a new card or raise your credit limit
  • Select instalment-free months for an existing or new credit card
  • Change the due date of your invoice
  • Change the monthly instalment percentage 
    For example, if you have 2,000 euros of outstanding credit, you will pay at least 60 euros a month with a monthly instalment of 3%.

You can raise your credit limit as well as change your instalment-free months and due date free of charge. A change to the instalment percentage is subject to a fee.  

Our tariff is available hereOpens new window.

MastercardNordea credit cards: Nordea Gold, Nordea Credit, Nordea Premium, Finnair Plus Mastercard, Stockmann Mastercard

 

FlexiCredit

  • Raise your existing credit limit 
    In Nordea Mobile or in the old Netbank by clicking the “Increase your credit” button.
  • Instalment-free months for a new loan  
    Select the months when applying for credit.
  • Instalment-free months and change of due date* for an existing loan 
    Call Nordea Customer Service. 
  • Extra repayment 
    You can make an extra repayment by using the account number and reference number on your invoice.

These changes are free of charge.

* Subject to a fee (EUR 5.00) if your next invoice has already been produced..

Further details, terms and conditions and our tariff are available hereOpens new window.