Stockmann MasterCard without user fees

No opening fee or annual fee is charged for Stockmann MasterCard. You only pay interest and expenses on the credit you use; having the card is free.

Interest-free payment period: one month

Your interest-free payment period is 30 days on average. When you receive the invoice you can decide whether to pay the total amount, the minimum instalment or an amount somewhere in between.

The interest on the credit is the three-month Euribor + 10%. The actual annual interest, all expenses included, on a used credit of 2,000 euros is 11.98% (as of July 2010). The monthly account management fee of 3.50 euros is included in the calculation. The account management fee is not charged if you pay the total invoiced amount on the due date.

Reserve fund to balance finances

Stockmann MasterCard serves as a handy reserve fund for unexpected costs and big acquisitions. You can choose the credit limit between 500 and 10,000 euros.

If you want, you can choose two instalment-free months a year. The interest and charges are transferred to the next invoice. The instalment-free months cannot be consecutive.

Parallel cards for the whole family

You can apply for parallel cards for your family members. When everyone has their own Loyal Customer card you can make full use of the customer benefits.

Fees charged for cash withdrawals from the card credit

• Cash withdrawals from MasterCard credit at Otto. ATMs, bill payments at Nordea's payment ATMs, account transfers in Netbank and online payments with the e-payment are charged 2 euros + 2 % of the withdrawal amount.
• Cash withdrawals with a MasterCard in euros at ATMs in EU countries belonging to the EMU and in kronas at ATMs in Sweden per withdrawal are charged 2 euros + 2 % of the withdrawal amount.
• Cash withdrawals in currencies other than the euro and krona made outside the EU and in Denmark and the UK are charged 2 euros + 2.5% of the withdrawal amount.
• Nordea benefit: cash withdrawals made with Stockmann MasterCard at Nordea ATMs in Denmark, Norway and Sweden are not charged fees or interest until the next invoice due date regardless of whether you are a Nordea customer or not.

Fees charged for cash withdrawals from your bank account

• No fees are charged for cash withdrawals made with the debit feature at Otto.ATMs.
• 0.60 euro is charged for cash withdrawals with the debit feature made at ATMs other than the Otto.ATMs.
• 0.60 euro is charged for cash withdrawals in euros made at ATMs in the EU area and for cash withdrawals in krona made in Sweden.
• 2.00 euros + 2.5% of the amount withdrawn is charged for cash withdrawals in foreign currency made outside the EU area as well as in UK and Denmark.
• Nordea benefit: Cash withdrawals with the Stockmann MasterCard debit feature made at Nordea’s ATMs in Sweden, Denmark and Norway are free of charge.