Thinking of how to change your credit repayments or to take an instalment-free month?

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. 

You can change the repayment percentage of your credit and take an instalment-free month in one of our self-services as follows: 

• As a Nordea customer, in Nordea Mobile and Nordea Netbank.Opens new window
• As a Joustorahoitus or credit card customer, in the OmaLuotto serviceOpens 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.

Read more about our self-service channelsOpens new window

If you want to contact us by phone, check our contact details hereOpens new window.

You can change due date or apply instalment-free period for your hire-purchase finance, which will ease your monthly repayments.

Read more of the changes you can makeOpens new window

We want to help and support our customers both in good and bad times. Therefore we offer a temporary instalment-free period for individual hire-purchase and financial leasing agreements of small and medium-sized enterprises. 

Apply for an instalment-free periodOpens new window  

On our website, you can apply for consumer credit and get the credit decision instantly. You can then use the credit granted to you with the card linked to it or by transferring cash from your credit account to your bank account.

Read about your options and apply for a solution that suits you on the webpage of the product. 

• TUOHI Mastercard Opens new window
• Stockmann MastercardOpens new window
• Finnair Plus MastercardOpens new window

 You can transfer money from any of our card credits and Joustorahoitus to your bank account in our self-services. 

The transferred amount will be usually at your disposal instantly. 

• As a Nordea customer, in Nordea Mobile and Nordea Netbank.Opens new window

• Opens new windowAs a Joustorahoitus or credit card customer, in the OmaLuotto service. Opens new window

Log in to the Car Finance Details 24/7 service with your bank’s online banking codes.  

In Nordea Netbank and the Car Finance Details 24/7 service, you can view the following: 

• The repayment schedule and itemisation for your car
• Your monthly repayment amount
• The next due date
• The payment details (account number and reference number)
• The remaining debt amount.

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

The cancellation cover included in a Gold, Premium, Platinum or Black credit card granted by Nordea provides you with the possibility of cancelling your trip if you or your family member falls ill before the trip.

It does not cover cancellation if you wish to cancel your trip because you have concerns about coronavirus or costs arising from other services related to your trip, such as accommodation or car rental costs.

Read more about travel insurance valid abroad included in Nordea credit cardsOpens new window

On our website, you can apply for a raise to your credit card limit and get the credit decision instantly. You can find the link to the application form on the product page. 

• TUOHI MastercardOpens new window 
• Stockmann MastercardOpens new window
• Finnair Plus MastercardOpens new window

You can always reduce your credit limit if the credit you originally applied for seems too high. Please note that no costs are charged for the credit limit available to you, but only for the credit amount you have spent. 

You can reduce your credit limit by sending a message to our Customer Service in one of the following ways: 

• As a Nordea customer, you can send the message with the ‘Contact us’ functionality in Nordea Mobile and Nordea Netbank.Opens new window
• As another bank's customer, you can send the message via Nordea Omaposti service.Opens new window

There may come a time when you no longer need your credit. You can then terminate your credit by giving notice on it. But please note, however, that credit once granted to you will be free of charge if you have not used it. 

You can send the notice of termination in one of the following ways:

• As a Joustorahoitus or credit card customer, in the OmaLuotto service.Opens new window
• Opens new windowAs a Nordea customer, in Nordea Netbank and Nordea MobileOpens new window
• Opens new windowIf you are not using any of our self-service channels, you can print and post the form hereOpens new window

No need to worry – contact our Customer Service, and we will draft a new repayment schedule for you. 

Our telephone connections are currently busy, so if the due date on your invoice is not yet close, please take an instalment-free period. You can easily take an instalment-free period as follows:

• As a Nordea customer, in Nordea Netbank and Nordea MobileOpens new window
• Opens new windowAs a Joustorahoitus or credit card customer, in the OmaLuotto service.Opens new window
• However, if the due date on your credit is already near, contact us and agree on a new repayment schedule, for example, via the ‘Contact us’ functionality in Nordea Netbank or Nordea Mobile or if you are another bank’s customer, via 
• Opens new windowNordea OmaPostiOpens new window.

You don’t need to contact us if your address has changed, since we receive any address changes directly from the Population Information System. 

If your telephone number has changed, please give us your new number in one of the following channels:

• As a Nordea customer, you can call us at 0800 165 656, (Mon–Sun 24 hours a day, free of charge in Finland with Finnish mobile phone subscriptions)

• As a Nordea’s customer, in Nordea NetbankOpens new window

• As another bank’s customer, via Nordea OmapostiOpens new window

If a product or service you ordered was not delivered in accordance with your order, make a complaint on a claims form.

The claims form is available hereOpens new window.

If you want to use your card for online payments, you must allow its online usage. If you don't remember the PIN of your card, you can order a new one through one of our self-services.

You can authorize online use and order a PIN as follows:

• As a Nordea customer, in Nordea Netbank and Nordea MobileOpens new window

• As another bank's customer, in the OmaLuotto-service.Opens new window

If you want to change the geographical restrictions or security limits on your card, you can make the change conveniently in our self-services.

You can make the changes: 

• As a Nordea customer, in Nordea Netbank and Nordea MobileOpens new window

• As another bank's customer, in the OmaLuotto-service.Opens new window

All Nordea Mastercards carry the contactless payment feature. You can make contactless payments up to 50 euros at a payment terminal. Hold your card close to the card reader, which will activate the contactless payment feature. In this way, you do not have to key in your PIN.