Siirto - instant transfers from one account to another

Make and receive payments in real time. All you need is the other Siirto user’s phone number. Siirto is a convenient mobile payment solution also for temporary points of sale at festivals or flea markets, for example. Download Siirto for iPhone or iPad from App Store or Siirto for Android from Google Play.

Make easy payments with Siirto

  • Having coffee with your friends? Pay your share of the bill on the spot.

  • Stumbled across a real find at the flea market but did not bring any cash? Pay for it with Siirto.
  • Need to transfer your child’s weekly allowance to their account? With Siirto, you can do it instantly.

How to set up Siirto

If you are a customer of Nordea or Osuuspankki, you can set up Siirto by downloading the app to your phone and verifying your identity with your online banking codes. This ensures that all users can make and receive payments securely using just their phone numbers.

Selling your old stuff at the flea market?

As hardly anyone carries cash any more, Siirto is the ideal solution for an occasional seller. With Siirto, you will get instant real-time payments from other Siirto users with just a phone number or a QR code.

Make your salary payments with Siirto – no paperwork needed

Do you need to pay an electrician, a babysitter or a personal trainer? The easy and reliable Palkkaus.fi service now works directly in Nordea’s Siirto app and takes care of employers’ salary obligations for them. Read more about Palkkaus.fi and download Siirto.

Frequently asked questions

While mobile payments are easy and secure, new users may have a lot of questions about them. It is good to be cautious with your money but there is no reason to be worried about using a mobile payment method. Read more about the convenient Siirto app and find out how it can truly make your everyday life easier.

Use Siirto

Use Siirto

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 Siirto app utilises the Siirto payment system to which also other banks and payment service providers connect. While making a payment, you enter the beneficiary’s phone number instead of the account number. When the phone number is in the Siirto payment system, you can see the name of the beneficiary. The beneficiary can see the payment immediately regardless of the bank. You can only use the Siirto app for paying to Finnish bank accounts included in the Siirto payment system.

Further information on the banks and payment services providers participating in the Siirto payment system is available on www.siirto.fiOpens new window.

Security limits to the Siirto app
Payments per dayMaximum of EUR 1,700.00
Reception of paymentNo upper limit
Implementation and use