Mobile payment – pay with your phone or wearable

Q: Why are mobile payments safe?

Mobile payment apps use tokenisation technology , which converts the number of your physical card into a digital form. This creates a virtual card in your mobile app that you can use to make payments. Thanks to tokenisation, the number of your payment card is not saved on your phone or in the app and it is not disclosed to the merchant in the transaction. When you pay with a smartphone, the payment terminal may ask you to confirm the payment with your fingerprint, face ID or PIN. Mobile payments are subject to the payment and geographical restrictions you have set for your physical card. For example, if you restrict the use of your physical card to Finland, then you can make mobile payments only in Finland. If you lose your phone, nobody can see your card details or make payments with your phone without identity verification. However, you can block the digital version of your card by calling Nordea Customer Service. After this you can continue to use your physical card normally.

Mobile payment is a quick, easy and secure means of payment at stores and online. Add your Nordea card to your smartphone, smartwatch or other smart device and you can shop flexibly wherever you are.

Choose your preferred payment method

Nordea mobile payment services:

Apple Pay – for iPhone and Apple Watch
Google Pay – for Android phones and smartwatches
Siirto – payment using the recipient’s phone number
Apps for smartwatches (e.g. Garmin Pay, Fitbit Pay)
Apps for wearables and keyfobs (e.g. LAKS Pay, Rosan Pay, TAPSTER)

What is mobile payment?

Mobile payment refers to a payment made with a smart device at a store checkout, online or through an app.

The different forms of mobile payment are:

Paying at checkouts with a phone, watch, ring or keyfob.
Paying online with your phone’s payment app
Transferring cash using the recipient’s phone number

Start paying with your phone in four easy steps:

1. Download the payment app
Check if your phone has the Apple Wallet or Google Wallet app installed. If it hasn’t been installed already, you can download it from your app store.
2. Add your Nordea card
Log in to Nordea Mobile. Select your card > Details or Settings > Add to Apple Wallet/Google Pay. Confirm with your Nordea ID app.
3. Start paying
You can pay with your phone both in stores and online. In stores, tap your phone on the payment terminal to make a contactless payment – including payments of more than 50 euros!
4. Manage your settings
The geographical restrictions and security limits you have set for your physical card also apply to mobile payments. You can easily adjust the settings in Nordea Mobile or Netbank.

Benefits of mobile payments

Mobile payments are a secure means of payment that is always at your fingertips.

Carry your card on your phone

Leave your plastic card at home and pay with your phone or other smart device wherever you are – in stores, restaurants or public transportation.
Mobile payments work abroad as well. All you need to do is to set the right geographical restriction for your card in Nordea Mobile or Netbank.

Easy and convenient payment

You can make contactless payments exceeding 50 euros with your smartphone.
Online shopping is quicker when you use mobile payment. You only need to enter your payment details in the app once.

Secure way to pay

The number of your payment card is never saved to your phone or smart device and it is not disclosed to the merchant during the payment transaction. A virtual version of your card is created in the payment app and its information is kept secure.
You can confirm payments with Touch ID, Face ID or your PIN, depending on your device.
If your phone is lost, you can block your virtual card and continue to use the physical card normally.

Take advantage of your card’s benefits on mobile as well

When you pay with a credit card, you get an interest-free payment period of 30 days on average with no charges.
When you pay with your credit card online, you will get added security for your purchases. Read about the benefits of credit cards
Many credit cards come with insurance, such as Product Safety Insurance and travel insurance.

Nordea Gold card - small

Nordea Gold Mastercard is our most popular credit card. Read more about Nordea Gold

Order a new credit card from Nordea – you can pay with it using your mobile phone even before the physical card arrives.

Discover Nordea’s credit cards

Payment apps in smartwatches and other wearables

You can add your Nordea payment card to smartwatches, jewellery and keyfobs that enable contactless payments. Check out the different alternatives:

Paying with a watch

Apple Pay

Apple Pay can be used through an Apple Watch. To activate it, you need to download the Apple Watch app on your iPhone.

Google Pay

You can use Google Pay in smartwatches running on Google WearOS and support payments. The Google Pay payment feature on smartwatches works with iOS and Android phones.

Garmin Pay

Garmin Pay allows you to link your Nordea card to your Garmin sports watch.

Fitbit Pay

Nordea cards are compatible with Fitbit smartwatches and activity trackers. Check whether your Fitbit device supports Fitbit Pay.

TAPSTER

TAPSTER is a Swedish maker of contactless wearables, including stylish contactless payment watches.

Frequently asked questions

How do I pay with my phone?

You can use your smartphone to make payments if:

your phone has a payment app, such as Apple Pay or Google Pay, and
you have added your Nordea card to the payment app.

Paying with your smartphone in stores

When you are at the checkout in a store, hold your phone near the payment terminal to make a contactless payment. Note that the payment terminal must support contactless payments. Just look for the contactless payment symbol on the payment terminal.

Paying with your smartphone online

You can also pay with your phone in many online stores and apps. Select Apple Pay or Google Pay as your payment method and confirm the payment.

Do I need an internet connection when paying with my phone in-store?

No, you do not. Smartphones have the NFC technology (Near Field Communication), which enables contactless payments without an internet connection. You can make a contactless payment by tapping the payment terminal that supports this feature with your phone.

You can check your phone’s settings to see if it has NFC technology.

Where can I make mobile payments?

You can make mobile payments with your phone in places that support this feature. Such places include:

stores
restaurants
public transportation
petrol stations

You can make mobile payments in Finland and abroad.

In addition, you can make mobile payments when shopping online or through an app.

Can I add more than one card to my mobile payment app?

You can add one or more cards to mobile payment services. And they can be both debit and credit cards. When you’re paying at a store checkout, you just need to select the card you want to make the mobile payment with.

One of your cards will always be the default card that the service will primarily use for payment. You can change your default card if you wish.

If you have a combination card, you can add both the debit and the credit feature to the mobile payment service. Your combination card will be shown as two separate cards in the app, so you can choose to pay directly from your bank account (debit) or using the credit facility (credit).

Why are mobile payments safe?

Mobile payment apps use tokenisation technology, which converts the number of your physical card into a digital form. This creates a virtual card in your mobile app that you can use to make payments.

Thanks to tokenisation, the number of your payment card is not saved on your phone or in the app and it is not disclosed to the merchant in the transaction.

When you pay with a smartphone, the payment terminal may ask you to confirm the payment with your fingerprint, face ID or PIN.

Mobile payments are subject to the payment and geographical restrictions you have set for your physical card. For example, if you restrict the use of your physical card to Finland, then you can make mobile payments only in Finland.

If you lose your phone, nobody can see your card details or make payments with your phone without identity verification. However, you can block the digital version of your card by calling Nordea Customer Service. After this you can continue to use your physical card normally.

Be smart – pay with a credit card

Mobile payment – pay with your phone or wearable

Nordea mobile payment services:

What is mobile payment?

Start paying with your phone in four easy steps:

1. Download the payment app

2. Add your Nordea card

3. Start paying

4. Manage your settings

Benefits of mobile payments

Carry your card on your phone

Easy and convenient payment

Secure way to pay

Take advantage of your card’s benefits on mobile as well

Order a new credit card from Nordea – you can pay with it using your mobile phone even before the physical card arrives.

Payment apps in smartwatches and other wearables

Apple Pay

Google Pay

Garmin Pay

Fitbit Pay

TAPSTER

LAKS Pay

Rosan Pay

TAPSTER

Things to remember when paying with wearables

Frequently asked questions

How you can benefit from a credit card

Nordea Gold credit card brings added flexibility and security to your finances

Safe use of cards

Personal customers

Mobile payment – pay with your phone or wearable

Nordea mobile payment services:

What is mobile payment?

Start paying with your phone in four easy steps:

1. Download the payment app

2. Add your Nordea card

3. Start paying

4. Manage your settings

Benefits of mobile payments

Carry your card on your phone

Easy and convenient payment

Secure way to pay

Take advantage of your card’s benefits on mobile as well

Order a new credit card from Nordea – you can pay with it using your mobile phone even before the physical card arrives.

Payment apps in smartwatches and other wearables

Apple Pay

Google Pay

Garmin Pay

Fitbit Pay

TAPSTER

Frequently asked questions

How you can benefit from a credit card

Nordea Gold credit card brings added flexibility and security to your finances

Safe use of cards

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Personal customers