Getting started with Nordea Codes app

When you can authenticate your identity with the code calculator 

1. Open the code app and start the activation by selecting the country, language and customer type.
2. Select the code calculator as the means of authentication.
3. Authenticate yourself by following the code app’s instructions.
4. Once you have completed the authentication, the app will ask you to confirm the phone number to which the activation code will be sent.
5. Confirm the activation of the code app with the code calculator by following the app’s instructions.
6. The activation code will be sent to you in an SMS. Enter the activation code into the app. 
7. The activation is now almost complete. You only need to choose a four-digit PIN and to name your user profile. 

The code app is now ready to use.

When you can authenticate your identity with the online banking codes of another bank

1. Open the code app and start the activation by selecting the country, language and customer type.
2. Select “Other bank’s codes” as the means of authentication.
3. Enter your Nordea user ID.
4. You will be transferred to the authentication page where you can select the bank whose codes you want to use.
5. Once you have completed the authentication, the app will ask you to confirm the phone number to which the activation code will be sent.
6. Before entering the activation code, we will ask you to confirm the activation of the code app with your bank’s online banking codes.
7. You can now enter the 10-digit activation code that you received by SMS.
8. The activation is now almost complete. You only need to choose a four-digit PIN and to name your user profile. The code app is now ready to use.

If you have no means of authentication available, you can order the codes needed for activating the code app by letter and SMS. The letter will be delivered to you in a couple of days. You can order the activation codes in two ways:

Ordering activation codes by phone

1. Call our Customer Service.
2. Select the option “Install new code app”.
   
3. Follow the instructions for entering your Nordea access codes.
   
4. You will receive the activation code in an SMS to your mobile phone and a temporary PIN by post to your home address within 2-5 days.
   

Ordering activation codes through the code app

1. Open the code app and start ordering the activation codes by selecting the country, language and customer type.
2. Select “Activation code” and “I would like to order the activation code and the temporary PIN”.
3. Enter your user ID and phone number in the app and tap “Order codes”.
4. You will receive the activation code in an SMS to your mobile phone and a temporary PIN by post to your home address within a couple of days.

Once you have received both the activation code and the temporary PIN, you will be able to activate the code app. 

1. Open the code app and start the activation by selecting the country, language and customer type.
2. Select “I have both the activation code and the temporary PIN”.
3. Enter your activation code and temporary PIN.
4. The activation is now almost complete. You only need to choose a four-digit PIN and to name your user profile. The code app is now ready to use.

First-time code app user, Nordea customer

If you are activating the code app for the first time and you have a code calculator or code card at your disposal, you can order the code app activation codes through Netbank. Please note that the activation code and the one-time PIN can only be used once and that they should be used in the same session. So you shouldn’t start activating the code app before you have received both codes.

• Check that you have the correct phone number in Netbank and that it is verified. You can check the phone number that you have verified in Netbank for use in Nordea’s services by going to “Mobile services” > “Own numbers”.  We will send the activation code to your verified phone number to ensure that no one else can activate the app in your name.
• Go to the “Edit Netbank” tab and select “Access codes”. 
• Order the activation codes by clicking the order button under “Nordea Codes app”.

Once you have ordered the codes you will receive: 

• the activation code sent by SMS to your phone.
• a one-time- PIN sent to Netbank, where you will find it under “Edit Netbank” > “Access codes”. 

After you have received the activation codes

1. Open the code app and start the activation by selecting the country, language and customer type.
2. Select “I have both the activation code and the temporary PIN”.
3. Enter your activation code and temporary PIN.
4. The activation is now almost complete. You only need to choose a four-digit PIN and to name your user profile. 

The code app is now ready to use.

The Codes app operates on iPhones and Android phones as well as on iPads and Android tablets

• iOS 10 or later versions
• Android phones and tablets versions 6 or later versions

Tip: it is worthwhile to download the Codes app on several mobile devices.

When you become our customer online and your application has been approved, you will receive a text message in which we ask you to activate online services on a “Become a customer” online application.  Upon activation, you will receive a personal user ID which you will need whenever logging in to Nordea’s and other service providers’ services. 

In several services, you can make your device remember your user ID, and you will only need to enter it when logging in to the services for the first time.

Once you have received your user ID, you can start using the code app. 

1. Download the code app on your mobile phone or tablet from your app store. 
2. You will receive the activation code in a text message to the phone number you provided on your customership application. 
3. Once your application has been approved, you can log in again to our “Become a customer online” service. When starting to use the code app, you will need a temporary PIN shown in the online service, in addition to 3. the activation code.

Open the code app and follow the instructions in the app.

1. Start by selecting “Nordea Finland” in the app.
2. Choose the language in which you prefer to use the app (you can change the language choice later in the settings).
3. Select “Personal customer”.
4. Select “Activation code” and enter the ten-digit activation code you received by sms and the one-time four-digit PIN shown in the online service.
5. Give a name to your user profile (e.g. your first name) and choose a personal PIN. In future, you will use the PIN when logging in to services and confirming payments with the code app. 

The code app is now ready for use.

When you become our customer at a branch, you will receive the activation code in a text message and the temporary PIN from the branch personnel. We will be happy to help you set up the app at the branch. 

• You can check the phone number that you have verified in Netbank for use in Nordea’s services by going to Mobile services > Own numbers. If “All services” is selected in the “Usage” column, the number has been verified and the activation code for the code app will be delivered to that number.
• If there is no phone number in your Netbank, add one and select “All services” under “Usage”.
  
• If you do not have a verified phone number and you can’t log in to Netbank, verify your number by calling the automatic verification service at 0800 170 777. Make the call from the phone number you wish to verify.

When you use the code app for various services, you will always need your Nordea user ID. Approve the login with the code app, a PIN or fingerprint/face recognition if you have switched this functionality on in the settings of the app. Remember to check that the request for approval is correct. 

Some service providers use an intermediation service. You are then asked to approve in the code app the login to the intermediation service in question (such as suomi.fi) and not to the service itself (such as Kela). The use of the intermediation service is secure and corresponds to strong identification.

Tip: If the code app does not ask you to approve the login in connection with a login attempt, make sure that you have entered your Nordea user ID correctly for the service.

Nordea Mobile

1. Open Nordea Mobile and enter your user ID.
2. Select “Log in with the code app”.
   
3. If the code app is on the same device as Nordea Mobile, the app will open automatically and ask “Want to log in to Nordea Mobile?”
   
4. Approve the login with your PIN or fingerprint or face recognition.
   
5. You will be automatically taken back to Nordea Mobile and you can start using the services. When you confirm payments, you will be automatically taken to the code app in which you confirm the transactions with your PIN.
   

Netbank

1. Open the login page of Netbank.
2. Select the code app as the authentication method, enter your user ID and tap OK.
   
3. Open the code app.
   
4. The app will ask you “Want to log in to Netbank for personal customers?” 
   
5. Approve the login with your PIN, fingerprint or face recognition.
   
6. You have now logged in to Netbank and can start using the services.
   
7. When confirming payments or other transactions, open the code app again and confirm the transaction with your PIN or use biometric authentication.
   

Use of the code app for third-party online services

The code app is a means of strong identification (e-identification) with which you can log in to Kela’s or the Tax Administration’s services, for example. Please note that the adoption of strong identification, i.e. the e-identification service, requires a personal visit to a Nordea branch. Remember to take your passport or identity card with you to the branch. 

How to log in to third-party services:

1. Open the service to which you want to log in.
2. Select Nordea logotype on the login page.
3. Select the code app as the means of authentication. 
4. Enter your user ID. 
5. Open the code app and approve the login.
6. Go back to the online service to start using the services.
   

Online purchases

When you are making purchases in online stores that have joined the MasterCard Secure Code or Verified by Visa service providing you with secure payments, the service authenticates both the buyer and the merchant at the time of the purchase. 

The code app provides an easy way to confirm your online purchases. After entering your card details for the service, you will be taken to the authentication page on which you enter your user ID. After this, open the code app and confirm your purchase with the PIN or biometric authentication. 

The information you entered will not be intermediated to the merchant that will only get confirmation of a successful authentication and can thereby approve your payment.

Secure use of online access codes

The access codes are always personal. Never surrender your access codes to another person. Memorise your user ID and the PIN code to Nordea Codes. Keep your user ID separate from your code app.

How does the app work?

When you have enabled the data connection in your mobile device and you enter your personal PIN in the code app, it will give you changing transaction-specific codes in the background without you being able to see them. The app will send the code to Nordea through an encrypted network. Without a data connection, the app will show the code on the mobile device's display, where you can copy it to the service you want to use.

The app's security is based on four factors: PIN code, mobile device, access codes, and connection. Always make sure that the device you use is passcode-protected. Always check each transaction and never confirm transactions you have not initiated yourself.

PIN-code

You need a personal PIN-code when authenticating or confirming with Nordea Codes. You can choose 4-8 digits, the PIN-code should be easy to remember but hard to guess by others. Once you have entered the PIN-code you proceed by tapping ‘confirm’.

The PIN-code is personal and device specific. Five incorrect entries of the PIN-code locks the app for 24 h. The PIN-code will be deleted from the device once the authentication completes successfully.