Make easy and secure payments with the Siirto app

  • Use your phone instead of cash. 
  • You can transfer money from your bank account to another Siirto user’s account in an instant.
  • All you need is the recipient’s phone number.
  • Siirto is a secure system that has been developed in Finland. 
  • Siirto allows you to share joint expenses with others securely, without any hassle.
  • You can also pay with Siirto in online stores that accept it as a payment method. 
  • You can create a QR code that makes it easier for others to pay you.

Download Siirto today to join more than one million satisfied users!

Selling stuff in a flea market?

Since nobody really carries cash any more, Siirto is the ideal solution if you’re selling the odd item every now and then. With the Siirto app, other Siirto users can pay you instantly using just your phone number or QR code. And you don’t need to worry about the change!

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Need to share expenses with a friend?

Siirto allows you to transfer money easily to your Siirto-using friends with their phone numbers. Sharing a bill is easier than ever when you can instantly transfer money between accounts. A safe mobile payment solution developed in Finland, Siirto has the most satisfied users – more than one million of them in total.

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How to set up Siirto

  1. Download the Nordea Siirto app from your app store.
  2. Log in to the service using your access codes. The customers of S-Bank and Bank of Åland can also use the Siirto service with the Nordea Siirto app.
  3. Enter your phone number and confirm it.
  4. Select the account you want to use.
  5. You’re all set!

You can use the Nordea Siirto service with the access codes of the following banks:

  • Nordea 
  • OP Bank
  • S-Bank
  • Bank of Åland

Frequently asked questions about Siirto

Although mobile payments are easy and secure, new users may have lots of questions about them. While it’s wise to be careful with your money, you can rest assured that mobile payments with Siirto are safe. Read more about the handy Siirto service and how it can make your life easier.

Read the frequently asked questions about Siirto

Prices and terms
Use Siirto
Implementation and use

How Siirto works

  • You only need the recipient’s phone number. 
  • Payments between Siirto users are transferred instantly 24/7.
  • All users are always authenticated with their access codes.

Nordea’s Siirto app utilises the Siirto payment system to which also other banks and payment service providers are connected. To make a payment, simply enter a phone number instead of an account number. When the phone number is in the Siirto payment system, you will see the name of the recipient. The recipient will receive the payment immediately regardless of the bank. You can only use the Siirto app to transfer money to Finnish bank accounts included in the Siirto payment system.

More information on the banks and payment service providers participating in the Siirto payment system is available on (in Finnish)Opens new window

Security limits in the Siirto app
Sending money per dayMaximum of EUR 1,700.00
Receiving moneyNo upper limit

Information on the activation and use of the app

The Siirto app, which is downloadable on a smart phone, enables you to transfer and receive payments in real time with a phone number. It is safe to use the app, as the users are always authenticated with their access codes. The money incoming to/outgoing from the Siirto app is entered to an account of your choice.


  • Nordea’s customers will need the Nordea ID app. Other banks’ customers will authenticate themselves with the online identification methods used in their bank’s network.
  • The app will be used with a smartphone (iOS or Android).
  • Nordea’s customers of less than 15 years of age will be able to start using the service once their guardian has first called Nordea Customer Service.
  • If you do not have a Finnish personal identity number, please call Nordea Customer Service.