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As an adult, you’re in charge of your banking services

As an adult, you will, for the first time, have the full right to keep track of your banking services and to open new ones without your parents’ consent. If your parents have opened banking services for you before you turned 18, you can continue to use them normally. However, you can now make changes to your services independently if you want to.

Below we have compiled some of the key things you should consider:  

  • Your parents’ right to manage your banking will end and you alone will be responsible for your banking. 
  • Your parents’ rights to use your accounts will be cancelled automatically, and they will no longer see your accounts in Nordea Mobile and Netbank. 
  • If your parent holds a card linked to your account, they will be able to use the card until it expires, unless you want to cancel this right earlier. 
  • You will have full access to any savings and investments held in your name and your parents’ right to view and manage them will expire.  

Some have savings from their childhood – others start from scratch

As an adult, you decide on your own savings and investments. This also means that if your parents have saved for you when you were underage, you get to decide on what to do with these savings once you turn 18.

You might be tempted to start spending your childhood savings straight away, but we urge you to consider whether you should continue saving. Instead of spending on a holiday, it might be smarter to invest your money as a nest egg for your future first home.

We’ll be happy to help you prepare a plan that will allow you to build your wealth by continuing monthly saving.

If you’re starting your savings from scratch, don’t worry. At the age of 18, it is in no way too late to start saving. Young savers have time on their side. You can still have a big leg up on others who start saving at a later age.

You’ll find your own way to save and invest from our exceptionally large selection of funds, equities or deposit accounts or a combination of these. You can get started with even a small sum. We make it easier for our young customers to save and invest with the following benefits:

  • Equity savings account free of charge – we won’t charge you the monthly custody fee (normal price is 2.45 euros per month). This benefit is available for customers under 30 years old.  
  • Trading in funds free of charge – we won’t charge you subscription, switching or redemption fees if you trade in funds in Nordea Mobile or Netbank. 

Know your investment services

Looking for support in investing?

If you’re unsure about what saving and investment choices you should make, you can book a free online meeting with one of our saving and investment experts.

Book a meeting

Portfolio Designer

Portfolio Designer suits you if you are not looking for investment advice but want an easy way to create a fund portfolio.

Discover our Portfolio Designer

Try our digital investment adviser

Our digital investment adviser Nora helps you create a plan for investing in funds in a way that suits you. It’s free and easy.

Explore Nora

Our easy digital banking services are yours for free

Smooth daily banking services will make your life easier when you gradually start managing your personal finances. Everything starts with your own current account, payment card and Nordea access codes, which you will need to log in to Nordea Mobile, among other things.

As an 18-year-old, you get all the main daily banking services for free (normal price is 7.90 euros per month). These include: 

  • Nordea Debit card – a convenient debit card that you can also pay with using your phone. You can also add the Plussa feature to the card. 
  • Current account – an account where you can receive your salary or student financial aid, for example.  
  • Nordea access codes – your keys to Nordea Mobile and Netbank. They also allow you to log in to services such as MyTax, MyKanta and My Studyinfo. 

Once you’re 19 years old, you will continue to get the same services for free, provided that you have activated Nordea Mobile.

Your benefits when you’re 19 to 25 years old

Nordea Mobile and Nordea ID
Nordea access codes
Payment cards
Accounts

Download Nordea Mobile and Nordea ID to your phone

Download the Nordea Mobile app to your phone, along with the Nordea ID app which is used for identification. Nordea Mobile allows you to handle your daily banking securely wherever you are. You can also call our Customer Service through Nordea Mobile with your identity already verified, giving you quicker service. 

Read more and download Nordea Mobile

Read more and download the Nordea ID app

Key financial management tools on your phone 

Nordea Mobile offers numerous financial management tools that give you a full overview of your personal finances. This helps you plan your expenses and accumulate savings for the future. 

Learn more about our financial management tools 

Make sure that you have Nordea access codes and e-identification

If you already have Nordea access codes with e-identification, you can continue to use them normally. 

The access codes are your key for logging in to Nordea Mobile and Netbank. E-identification, which is a form of strong electronic identification, is a feature added to Nordea access codes. E-identification allows you to log in to third-party services, such as MyTax, MyKanta and My Studyinfo.

If you don’t have Nordea access codes yet, you can set them up online if you have the online banking credentials of another Finnish bank. Otherwise, you should book an appointment in-branch to set them up. 

Read more about access codes and identification

Add your payment cards to your phone

If you already have a Nordea Debit card, you can continue using it as usual.

To make your daily shopping easier, you can also add your card to mobile payment apps, such as Apple Pay, Google Pay and Samsung Pay, which allow you to pay with your phone at shops and restaurants and online. 

How to get started with mobile payments 

If you don’t yet have a payment card, you can easily apply for one in Nordea Mobile or Netbank.  

Read more and apply for a Nordea Debit card

Explore our card selection

Move your income to your Nordea account

If you already have a current account, you can continue using it as usual. 

Your current account is your tool for independently managing your income and expenses. Make sure that your income, such as your salary or student financial aid, is paid into your Nordea current account. When you concentrate your daily banking in one place, you will find it easier to keep track of your finances using the tools in Nordea Mobile.

Read more about why you should move your income to Nordea

If you don’t have a current account yet, you can open one in Nordea Mobile or Netbank.

Read more and open a current account

A PerkAccount a good option for saving up a buffer 

Alongside your current account, it’s worth holding a second account where you can save up a buffer for a rainy day. A PerkAccount is excellently suited for this purpose, as you can transfer money to and from the account as often as you like. And there are no restrictions on the savings amount or period, either.  

Read more and open a PerkAccount

Explore our account selection  

Bank with ease in Nordea Mobile

Read our instructions

Frequently asked questions about banking services for 18-year-olds

Need help?

Personal customers