Siirto | Pay friends and manage your invoices in the Nordea Mobile app

Siirto is evolving – make all your daily payments in Nordea Mobile

During spring 2026, the Siirto service will become part of the Nordea Mobile app, and the separate Siirto app will be discontinued. After that, all your daily payment services will be conveniently available in one app.

As before, the new and improved Siirto service lets you make real-time payments to friends using just a phone number, as well as secure online payments without sharing your card details. You’ll also get access to a new, useful feature that allows you to receive invoices directly in Nordea Mobile. This means you no longer need to sign up for e-invoices.

Send money to a friend – even to another bank

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With Siirto, you can send or request money from friends using just their phone number, with no extra fees.

Siirto already has over one million users. You can also make Siirto payments to customers of other banks, such as users of OP-mobile.

Siirto payments are transferred to another Siirto user in real time, 24 hours a day, seven days a week.

A Finnish way to pay online

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Siirto is a Finnish, secure way to pay online without a card.

When you pay with Siirto online, your card details or personal data are not shared with the merchant. You confirm your payments as usual by using the Nordea ID app.

You can already pay with Siirto in around 30,000 online shops, and more partner merchants are being added all the time.

Get your invoices straight to Nordea Mobile

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With Siirto’s new feature, you can make everyday life easier by receiving your invoices directly to Nordea Mobile and Netbank.

When you register for Siirto, you can automatically receive e-invoices from companies without needing to make or update e-invoice subscriptions yourself. You can also view your active invoicers and set their bills to be paid automatically, for example.

The feature will be launched later this spring as Siirto’s services move to Nordea Mobile.

Frequently asked questions about Siirto

When will the Siirto app be discontinued?

The separate Siirto app will be permanently discontinued on 27 May 2026. You can continue to use the app as normal until 26 May 2026.

If you want to keep your transaction history from the app, please save it by 26 May 2026, for example by taking screenshots.

Where can I find the history of payments and payment requests I’ve made?

You can access your transaction history from the home view of the Siirto app. Once the app is discontinued on 27 May 2026, the transaction history will no longer be available.

All completed payment transactions can also be found in your account transactions in Nordea Mobile and Netbank. Please note, however, that payment requests are not shown in account transactions.

What will happen to pending payment requests when the Siirto app is discontinued?

All pending payment requests will be automatically cancelled when the app is discontinued on 27 May 2026. Payment requests will not be transferred to the updated Siirto service, so we recommend that you deal with them before the app is discontinued.

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.

Use Siirto

Prices and terms

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

The current Siirto app will be discontinued

The Siirto app will be permanently discontinued on 27 May 2026. New users are no longer able to register for the service. If you already have the Siirto app, you can continue to use it as normal until 26 May 2026.

How the Siirto app works

You only need the recipient’s phone number.
Payments between Siirto users are transferred instantly 24/7.
All users have verified their identity using their online banking credentials.
The maximum payment limit in the Siirto app is 1,700 euros per day.
There is no maximum limit for receiving payments.

The Siirto app uses 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 available in the Siirto service, you will see the name of the recipient.

You can only use the Siirto service to transfer money to Finnish bank accounts available in the Siirto service.

More information on the banks and payment service providers participating in the Siirto payment system is available on the Siirto website.