Is my account balance always shown up to date in the Siirto service?

As you are Nordea’s account customer, the balance is always updated when your phone is connected to the Internet. Balance information is not shown to customers of other banks.

My phone number changed and I have a new number. What should I do?

You can delete a phone number in the account settings of the app by de-activating your account. After this, re-register for the app and enter your new phone number while activating the service.

How quickly is cash transferred between bank accounts?

Transfers between Siirto users’ bank accounts take place instantly, so the cash becomes available to the recipient once the transfer is made. Payments are transmitted as normal account transfers if there is no real-time payment connection between the payer’s and the recipient’s bank account. In this case, a payment will reach the recipient by the next day at the least, depending on the time of the transfer is made.

Siirto – instant payments from one account to another

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!

Create a QR code to receive payments

You can create a QR code to make it easier for others to pay you through Siirto.

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 friends who use Siirto with their phone numbers. It’s easy to share joint expenses.

Siirto is a safe Finnish mobile payment solution with over 1.4 million users.

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How to set up Siirto

Download the Nordea Siirto app from your app store.
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.
Enter your phone number and confirm it.
Select the account you want to use.
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

Is my account balance always shown up to date in the Siirto service?: As you are Nordea’s account customer, the balance is always updated when your phone is connected to the Internet. Balance information is not shown to customers of other banks.
My phone number changed and I have a new number. What should I do?: You can delete a phone number in the account settings of the app by de-activating your account. After this, re-register for the app and enter your new phone number while activating the service.
How quickly is cash transferred between bank accounts?: Transfers between Siirto users’ bank accounts take place instantly, so the cash becomes available to the recipient once the transfer is made. Payments are transmitted as normal account transfers if there is no real-time payment connection between the payer’s and the recipient’s bank account. In this case, a payment will reach the recipient by the next day at the least, depending on the time of the transfer is made.

Prices and terms

Use Siirto

Implementation and use

Prices for Siirto
Specification	Price
Use of the Siirto app, per month	0,00 €

Security limits in the Siirto app
Specification	Amount
Sending money per day	Maximum of EUR 1,700.00
Receiving money	No upper limit

Prices and terms

Prices for Siirto
Specification	Price
Use of the Siirto app, per month	0,00 €

Terms and conditions of use for the Siirto apppdf - Opens new window

Personal data processing in Siirto apppdf - Opens new window

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.

Preconditions

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.

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. 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 www.siirto.fi (in Finnish)Opens new window

Security limits in the Siirto app
Specification	Amount
Sending money per day	Maximum of EUR 1,700.00
Receiving money	No upper limit

Download and activate Siirto!

Download Siirto from your app store

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Siirto – use your phone instead of cash

Make easy and secure payments with the Siirto app