Useful information about credit cards and car credit

On this page, you will find information that may be helpful for you

I lost my card, the phone service is closed, I’m unsure about making credit card payments online, I don’t know how much car credit I have...

If you have any of these topics on your mind, you can find more information about them on this page. If you cannot find what you are looking for on our website, our Customer Service is happy to answer your questions.

Strong identification required for online card payments as of 1 January 2021

Please check that the phone number you have given us is correct

It is important that you have provided us with a correct phone number, which enables you to start using strong identification services for your online card payments. You can check or change your phone number as follows:

You can also send a message to our Customer Service via Nordea OmapostiOpens new window.

Read more about strong identification services for online payments hereOpens new window.

The data breach of Psychotherapy Center Vastaamo has raised questions

Nordea Finance’s credit services are safe to use

Our customers do not need to worry about any misuse of Nordea’s or Nordea Finance’s services, as they always require strong authentication.

The use of online banking codes and making payments involve several security factors, which makes them safe. You don’t need to take any steps to secure your banking details. We always require strong authentication when you apply for new finance, a credit card or hire-purchase car finance, or use Nordea Finance’s online services, such as OmaLuotto.

As things stand at present, any data that is directly related to banking, such as account numbers, passwords or credit card numbers, have not been leaked in connection with the Vastaamo data breach.

However, we recommend that the victims of the data breach monitor their payment and account transactions. You can find instructions on what to do if your data was stolen on the Finnish Police websiteOpens new window. Help and advice for victims are also available at tietovuotoapu.fiOpens new window. Follow the latest information and instructions from the authorities to stay up to date on the case.

Temporary amendment to the Finnish Consumer Protection Act

The legislation regarding consumer credit and credit cards has been amended temporarily due to the coronavirus situation. This temporary amendment will affect the direct marketing of consumer credit and the interest rate of other types of consumer credit besides goods-or-services-related credit. The amendment will be in force until the end of 2020.

Subject to the temporary interest rate cap provision applicable to consumer credit, the interest rate may be 10% at maximum. The 10% interest rate cap does not apply to goods-or-services-related credit and credit cards, which have been excluded from the amendment.

Similarly, the fees charged on consumer credit will remain unchanged.

Help with invoice payments Opens new window

There may be times when you need more time to repay your credit. You can adjust your monthly repayment amount by lowering your repayment percentage or taking an instalment-free month.

Read more about adjusting your payments Opens new window

Which channel should I use for my banking? Opens new window

We have compiled a comprehensive list of the channels and functions in which you can manage your credit as a Nordea customer or another bank’s customer. See which channel to use and whether you can take care of the matter in one of our self-services.

Find your channel Opens new window

Have you lost your card? Opens new window

If you card has been lost or stolen, it should be blocked right away. Read more about how to do this.

Blocking a card Opens new window

OmaLuotto-service at your convenience Opens new window

OmaLuotto-service allows you to manage your credit facility independently. Log in with your online banking codes when it suits you best.

Read more about OmaLuotto-service Opens new window

Be smart online Opens new window

Using your credit card for online shopping is quick and easy but there are a few things to keep in mind before disclosing your card details online.

Read more how to be smart while online shopping Opens new window

Self-service for checking your car finance details 24/7 Opens new window

If you are not a Nordea customer but want to check your car credit details, you can log in to the Car Finance Details 24/7 service anytime.

Log in to Car Finance Details 24/7 Opens new window

Best of luck with your studies Opens new window

As a university student, you are eligible for getting a credit card without any regular income.

Read more Opens new window

No more need for a credit card? Opens new window

It is ok to give up a credit card you no longer need. Simply closing your card is not enough to end your credit agreement. You also have to provide us with a notice of termination.

Termination of credit agreement Opens new window

Why do we want to get to know you? Opens new window

Banks are subject to many laws including ones that seek to prevent, for example, money laundering, terrorism and financial crime. We comply with these laws, too, and take our corporate social responsibility very seriously.

Read more Opens new window