Flexibility with credit cards and consumer credit

How to change your credit card settings

Change of the due date of your credit card invoice, the instalment-free months and the instalment percentage:

• In Nordea Mobile: select the card you want to edit > select ‘Edit credit’.
• In Nordea Netbank: select ‘Finances’ > select ‘Cards’ > click ‘Apply for a new card or make changes to your existing card’ > select ‘Changes to credit card’ -> click ‘Other changes to credit card’.
• If you have a Tuohi Mastercard, a Finnair Plus Mastercard or a Stockmann Mastercard but don’t have Nordea access codes, you can make the changes in the OmaLuotto serviceOpens new window.
  

Raising your credit limit

• In Nordea Netbank: select ‘Finances’ > select ‘Cards’ > click ‘Apply for a new card or make changes to your existing card’ > select ‘Changes to credit card’ -> click ‘Increase credit’.

Flexibility with Nordea Gold card

Changing the due date of your credit card invoice

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.

Instalment-free months

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.

Change of instalment percentage

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 in Nordea Mobile or Netbank.

Note: a reduction of the instalment percentage is subject to a fee set in our tariff (5.00 euros). If you want to increase your monthly instalment, you can do so free of charge.

Increasing your credit limit

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 raising the amount of your credit. See detailed prices for your card hereOpens new window.

Flexible payment terms for your purchases

You will get an average interest-free payment period of 30 days for purchases you make with the credit facility.

Transfer money from your credit facility to your current account 

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 cardOpens new window.

You can make the transfer in Nordea Mobile or Netbank.

Travel insurance and Product Safety Insurance 

You will get international travel insurance when you pay at least 75% of the 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 purchase the product with the credit facility of your Nordea Gold card.

Read more about insurances

Flexibility with Nordea Credit card

Changing the due date of your credit card invoice

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.

Instalment-free months

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.

Change of instalment percentage

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 in Nordea Mobile or Netbank.

Note: a reduction of the instalment percentage is subject to a fee set in our tariff (5.00 euros). If you want to increase your monthly instalment, you can do so free of charge.

Increasing your credit limit

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.Opens new window

Flexible payment terms for your purchases

You will get an average interest-free payment period of 30 days for purchases you make with the credit facility.

Transfer money from your credit facility to your current account 

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 cardOpens new window.

You can make the transfer in Nordea Mobile or Netbank.

Product Safety Insurance 

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.

Read more about insurance

Flexibility with Nordea Premium card

Changing the due date of your credit card invoice

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 make these changes yourself in Nordea Mobile or Netbank.

Instalment-free months

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.

Change of instalment percentage

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 150 euros per month.

You can make these changes yourself in Nordea Mobile or Netbank.

Note: a reduction of the instalment percentage is subject to a fee set in our tariff (5.00 euros). If you want to increase your monthly instalment, you can do so free of charge.

Increasing your credit limit

With the Nordea Premium card, you can apply to increase your credit limit up to 20,000 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.Opens new window

Flexible payment terms for your purchases

You will get an average interest-free payment period of 30 days for purchases you make with the credit facility.

Transfer money from your credit facility to your current account 

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 cardOpens new window.

You can make the transfer in Nordea Mobile or Netbank.

Travel insurance and Product Safety Insurance 

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.

Read more about insurances

Flexibility with Finnair Plus MasterCard

Changing the due date of your credit card invoice

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.

Instalment-free months

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.

Change of instalment percentage

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 in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.

Note: a reduction of the instalment percentage is subject to a fee set in our tariff (5.00 euros). If you want to increase your monthly instalment, you can do so free of charge.

Increasing your credit limit

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.Opens new window

Flexible payment terms for your purchases

You will get an average interest-free payment period of 30 days for purchases you make with the credit facility.

Transfer money from your credit facility to your current account 

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 cardOpens new window.

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.

Travel insurance and cash withdrawal cover

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.

Read more about insurance

Flexibility with Tuohi Mastercard

Changing the due date of your credit card invoice

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.

Instalment-free months

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.

Change of instalment percentage

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 in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.

Note: a reduction of the instalment percentage is subject to a fee set in our tariff (5.00 euros). If you want to increase your monthly instalment, you can do so free of charge.

Increasing your credit limit

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.Opens new window

Flexible payment terms for your purchases

You will get an average interest-free payment period of 30 days for purchases you make with the credit facility.

Transfer money from your credit facility to your current account 

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 cardOpens new window.

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.

PriceGuard Insurance

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

Flexibility with Stockmann Mastercard

Changing the due date of your credit card invoice

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.

Instalment-free months

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.

Change of instalment percentage

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 in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can make the change in the OmaLuotto serviceOpens new window.

Note: a reduction of the instalment percentage is subject to a fee set in our tariff (5.00 euros). If you want to increase your monthly instalment, you can do so free of charge.

Increasing your credit limit

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.Opens new window

Flexible payment terms for your purchases

You will get an average interest-free payment period of 30 days for purchases you make with the credit facility.

Transfer money from your credit facility to your current account 

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 cardOpens new window.

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.

Make changes to your FlexiCredit

Below you can find instructions for making some of the most common changes. You can make changes to your loan easily in Nordea Mobile – read the instructions here. 

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

Extra repayment

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.

Increasing your FlexiCredit

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.

Instalment-free months

Please note that the instalment-free months cannot be consecutive months. You can add or change instalment-free months free of charge. 

Changing the monthly payment

A reduction of the monthly payment is subject to a fee set in our tariff (5.00 euros). 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.

Deferring the due date

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. 

Changes to the repayment schedule for secured loans

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.

FlexiPayment

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.

Early repayment of secured consumer credit

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.

Increasing your secured consumer credit

To increase your secured consumer credit, please fill in a new application in Nordea Netbank or Nordea Mobile or on the nordea.fi website.

Make changes to your car hire purchase agreement

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.

Change the repayment schedule of your student loan

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.

Instalment-free period

An instalment-free period is subject to a fee set in our tariff (5.00 euros). 

Changing the monthly payment

A reduction of the monthly payment is subject to a fee set in our tariff (5.00 euros).

Deferring the due date

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. 

Changing the management account

You can change the management account for your loan free of charge.

Transfer your consumer loans to Nordea

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.

Read more about debt consolidation.