In OmaLuotto service, you can manage your Joustorahoitus and credit card matters easily and securely when it best suits you

What OmaLuotto service is?

As a Joustorahoitus or a credit card customer, you have access to Nordea Finance’s new OmaLuotto service, where you can transfer money to your account and change the due date etc. You can also use the OmaLuotto service easily with your smart phone or tablet.

Log in to Omaposti with your bank’s online banking codes. The use of the service is free of charge. You can see the costs charged for some measures made in the service on the product pages. Click the product name in the adjacent table to get to the product pages. 

Upon the first login, you must read and accept the service’s terms of use, after which the service will be available to you whenever you need it, also as a mobile service.

In the OmaLuotto service, you can tend to your Joustorahoitus and credit card matters 24/7

You can, for example, make a money transfer from your credit account to your bank account, change the due date of your invoice or choose instalment-free months. Read more about the OmaLuotto functionalities below and start using OmaLuotto right away.

Money from your credit to your bank account

You can transfer money from your credit to your bank account by making a money transfer, if you so prefer.  The amount of the money transfer will be in your bank account within a few days, depending on the bank with which you have your account.  

We charge the fees subject to the tariff for the money transfer. The amount transferred may be any amount permitted by the available balance on your credit account. 

Transfer money from your credit to your bank account 

With the money transfer functionality, you can transfer money from your credit to your own bank account with a Finnish bank. The transferred amount is instantly available in a Nordea account and within two days in another bank’s account. When making the money transfer, you can save your account number in the service for next time you want to make a transfer. We charge the fees subject to the tariff for the money transfer (Own transfer from card credit).

Just follow the steps below:

1. Select ‘Transfer money’ from the menu or on the front page.
2. Select the credit if you have multiple credits.
3. Choose the amount to be transferred from the credit. You can see the transferrable funds available above ‘Transfer money’.
4. Fill in the number of your account with a Finnish bank in the IBAN format (FI XXXXXXXXXXX). If you don't know what your account number is in the IBAN format, you can convert it here.
5. If you wish, you can write your name as the recipient’s name and a note for yourself as a reminder. Filling in these fields is not mandatory and you can leave them blank if you so prefer.
6. Click ‘Transfer’.
7. Confirm the money transfer with your online banking codes.

View your invoices

In the Invoices functionality, you can see both the paper invoice delivered to you and the e-invoices delivered to your online banking service. Please note that in the OmaLuotto service you cannot pay invoices but only check your past invoices and the last still pending invoice, if any. 

Security limits, region block and internet usage

You can restrict the use of your card geographically (region block) as well as allow your card to be used for online purchases. Changing the settings is easy and free of charge, and the changes you make are valid instantly.

NB! The region block does not prevent online purchases. We suggest checking your settings before going abroad to make sure the security settings do not block your purchases in your destination. 

Choose Credit account settings from the menu in the service. You can change your card’s security settings in the Card usage online and Region block fields. 

Update ‘My details’ and create shortcuts

1. Contact information If your contact information changes, such as your address, you do not have to report it to us, as we will receive it directly from the Population Information System. But if your phone number changes, you should update it under ‘My details’. This is because in some cases we will send you a confirmation code in an SMS – for example, as a functionality adding to the security of your online purchases.
2. Shortcuts If you prefer navigating from the OmaLuotto front page directly to a functionality you use often, you can define shortcuts under ‘My details’. 
3. Give a name to your credit account and card For instance, if you have more than one credit, you can name them as you like. It will then be easier to make a distinction between them in menus and on the front page, for example.
4. Bank account number required for money transfers If you have transferred money and at the same saved the account number you used for a future need, you can change the account number here as well. 

Termination of credit

No need for credit any longer?

You should first consider whether it would be good to have the credit in reserve for future situations. No costs are charged on the credit if you do not have any invoiceable credit balance. 

If you still prefer to terminate your credit, you can do it in OmaLuotto under ‘Credit account settings’ by selecting ‘Terminate this credit’. If you have more than one credit agreement, please check that you have selected above the menu the one you want to terminate.