Stockmann Mastercard – the payment card for MyStockmann customers

As a MyStockmann customer, you can take advantage of the MyStockmann loyalty programme benefits as well as a flexible charge and credit card with no annual fee.

Stockmann Mastercard and MyStockmann Loyal Customer membership benefits

Stockmann Mastercard is an international charge and credit card, which also gives you access to the MyStockmann loyalty programme benefits. As a MyStockmann customer, you can easily apply for a Stockmann Mastercard online with your bank’s online banking codes. The card has no annual fee.

You will be awarded 50 MyStockmann points as a bonus in connection with opening Stockmann Mastercard credit. For each purchase made at Stockmann, you will earn one point for one euro and get a discount of 0.5% when you pay your purchase with Stockmann Mastercard. Moreover, when you use your Stockmann Mastercard credit at Stockmann or elsewhere, you will earn 5 extra points per month.

Read more and download the new MyStockmann app to your phone right away and see what your new MyStockmann membership benefits areOpens new window.

Stockmann Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 24.1 % and the price of credit is 1,683 euros, when the nominal interest rate is the 3-month Euribor (August 2021) + 12.5% and the monthly account management fee of 4 euros and the paper invoice fee of 3 euros have been taken into account. Stockmann Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 1,500–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

OmaLuotto service

  • The OmaLuotto service is always available so you can manage your Stockmann Mastercard whenever it suits you.
  • You can activate the OmaLuotto service using your bank’s online banking codes.
  • You can transfer money from your credit account to your bank account.
  • You can select two instalment-free months, change a due date or reduce your monthly repayment amount (change the instalment percentage).

Accepted everywhere

  • With Stockmann Mastercard, you can pay your purchases with the contactless payment feature at Stockmann or at a holiday resort on the other side of the world, as the card is accepted as a means of payment in more than 35 million sales outlets worldwide.
  • The card enables you to pay your purchases securely in online shops, and combined with the Apple Pay or Google Pay app, you can use it to make payments easily with your smartphone.
  • New contactless payment solutions also enable Stockmann Mastercard purchases with a ring or keyfob, for example.

Secure online payments

Stockmann Mastercard is an easy way to pay your purchases not only at Stockmann.com but in all other online stores that accept Mastercard.

Regardless of who you bank with, you can provide strong authentication with the new Nordea Codes app when you pay with Stockmann Mastercard.

If you don’t have the Nordea Codes app yet, read more about it hereOpens new window.

Stockmann MasterCard features

  • No opening or annual fees.
  • The credit interest rate is 12.5%.
  • Choose a credit limit between 1,500 and 10,000 euros (up to 25,000 in some cases).
  • Mastercard is accepted in Finland and abroad in over 200 countries and about 35 million sales outlets.
  • If you have an account with Nordea, you may choose to have a combination card and also make purchases and cash withdrawals directly from your bank account (Debit) in Finland and abroad.
  • The credit interest is 12.5 % + 3-month Euribor. The account management fee is 4 euros per month and the paper invoice fee of 3 euros per invoice is charged if you have outstanding credit balance. The annual percentage rate of charge calculated on 1,500 euros of outstanding credit is 24.1 % (August 2021).

Pay with phone – use your charge card and membership benefits on the go

With Apple Pay or Google Pay, you can easily pay for purchases in stores using your phone. It works like a contactless payment but the only limit is your available balance. Why not attach Apple Pay or Google Pay app to your Stockmann Mastercard today? It only takes a minute to activate.

The new MyStockmann app includes the QR code for your Loyal Customer card, which will make it easier for you to make payments with your phone and to avail of your membership benefits at Stockmann’s.

You can activate Apple Pay or Google Pay by using your bank’s online banking codes in the Nordea Wallet app.

You can activate Nordea Wallet with the online banking codes of Nordea, Aktia, Danske Bank, Handelsbanken, OmaSp, Osuuspankki, S-Bank or Ålandsbanken.

Welcome to the future - new contactless payment solutions

Now you can pay your purchases of less than 50 euros with a ring or a keyfob, for example. Read more about the new contactless payment solutions and products at nordea.fi/wearablesOpens new window. You can use the contactless payment feature when paying with the credit facility of your Stockmann Mastercard. 

Oops! Accept Marketing cookies to view contents like this from Nordea

Oops! Accept Marketing cookies to view contents like this from Nordea

Get an interest-free payment period of 30 days on average

Stockmann Mastercard is a charge and credit card but you can also add the debit feature (a Nordea bank account) to your card. The credit limit allows you to make larger purchases and offers flexibility in the event of unexpected changes.

  • When you receive the invoice, you can decide whether to pay the total amount (charge feature) in which case no interest or account management fee is charged. If you prefer to repay your purchases in several monthly instalments (you use the credit facility), the interest and account management fee are charged. You can always see the transactions and costs to be charged on the invoice.
  • You can take two (non-consecutive) instalment-free months a year. This means that interest on the instalment-free period and other credit costs, if any, will be added to your next invoice.
  • When filling in the card application, you can select the due date of the invoice and the repayment amount (minimum repayment percentage).
  • You can make payments securely in online shops with your card. Please make sure that you have enabled online payments in the OmaLuotto-service or in Nordea Netbank, for example.
  • Your Stockmann Mastercard includes the contactless payment feature which you can use when paying with the credit facility. You can pay for purchases under 50 euros simply by holding your card close to the payment terminal without having to enter your PIN.
  • The contactless payment feature is activated when you make your first purchase with the credit facility and accept it with your PIN.
  • You can link any number of parallel cards to your principal card for family members aged 15 or older.
  • Monitoring your credit card transactions is easy in Nordea Netbank or, if you are another bank’s customer, in the OmaLuotto-service and in Nordea Wallet.
  • In the OmaLuotto-service, you can see the available balance on your card as well as transfer money from your card’s credit facility to your bank account. You can also set geographical and online usage restrictions on your card.
  • You get to choose your PIN yourself in the OmaLuotto-service or in Nordea Netbank.
  • All card-related costs are available under “Tariff” at the bottom of this page.
  • You can make payments securely in online shops with your card. Just make sure that you have enabled online payments in the OmaLuotto service or in Nordea Netbank, for example. You also need to have the Nordea Codes app, which you can activate with your bank’s online banking codes. (Please note that you don’t have to be a Nordea customer to use the Nordea Codes app.)

You decide where your card can be used

Geographical restrictions increase the security of your Stockmann Mastercard use, as the card can only be used in the places you have authorised when you make payments with your card or withdraw cash at an ATM. The restrictions do not apply to online purchases and can be set until further notice or for a fixed period.

There are four areas to select from: Finland, Nordics and Estonia (Finland, Sweden, Denmark, Norway and Iceland), Europe or worldwide.

You can set the geographical restriction free of charge, for example, in the OmaLuotto-service (with your bank's online banking codes) and in Nordea Mobile and Nordea Netbank (with Nordea’s access codes), and it will start to apply instantly.

We wish you luck and every success, university student! 

Credit card will make your student life easier. You can get a card as soon as you have been admitted to a university. With Stockmann Mastercard, there is no annual fee and your credit limit can be up to 2,000 euros.

You are eligible for a Stockmann Mastercard once you have accepted your admission to your current university of applied sciences or university. As a student, you are therefore not required to have a job or income to get a credit card.

Just follow the steps below:

If you are a new student, attach proof of your studies at a university of applied sciences or a university (your letter of admission or a copy your student card) to your application. A printout of your student record online is sufficient.

Apply online (by clicking the link above) or contact Nordea Customer Service or Stockmann’s Loyal Customer Service.

Tariff for credit opened as of 1 September 2019
Tariff for credit opened before 1 September 2019

Tariff for credit opened as of 1 September 2019

Tariff for credit opened as of 1 September 2019
Stockmann Mastercard annual fee0,00 €
Parallel card
0,00 €
Mastercard queries in Netbank, Mobile Bank and in OmaLuotto-service per month0,00 €
Mastercard queries by phone 
0,33 €
Service fee for an express order of Mastercard 
10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query 
0,00 € 
Balance query at an ATM 
0,60 €
Reorder of card PIN (delivery by post)*   
7,00 €

Reorder of card PIN (delivery by sms)*

* Card PIN may be ordered from Nordea branches or by calling Nordea Customer service

0,00 €
Checking card PIN in Netbank
0,00 €
Change of credit limit
0,00 €
Change of repayment schedule
5,00 €

Transfer from credit card
Interest-bearing as of the transfer date 
Printed credit card invoice/per invoice
3,00 € 
Bill payment from card credit facility at Nordea's payment ATM
Interest-bearing as of the payment date 
Change or renewal of card during its validity
10,00 €
Change or renewal of card during its validity due to a manufacturing defect or card breakage caused by a reason beyond the customer’s control 
 0,00 €
Finder’s fee
0,00 €
Confiscation fee for a card used in violation of the card terms and conditions120,00 €
Cash withdrawals from bank account in Finland at a branch 
0,00 €

Cash withdrawals from a bank account at an ATM 1–4 withdrawals per month

0,00 €

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal
0,60 €
Cash withdrawals from card credit in Finland at ATMs per withdrawal
Interest-bearing as of the drawdown date 

Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month.

0,00 €

Cash withdrawals from a bank account at an ATM 5 or more withdrawals per month per withdrawal

0,60 €

Cash withdrawals in euros from credit account at branches in the EEA Member States

Interest-bearing as of the drawdown date  

Cash withdrawals in euros from bank account in the EEA Member States 

2,00 € + 3 %

Cash withdrawals in currencies other than the euro from credit account at branches and/or ATMs in the EEA Member States and outside the EEA

Interest-bearing as of the drawdown date  

Cash withdrawals in currencies other than the euro from bank account at branches and/or ATMs in the EEA Member States and outside the EEA  

2,00 € + 3 %

Cash withdrawals with Nordea Bank Oyj’s international cards in currencies other than the euro at branches and/or ATMs in EEA Member States and outside the EEA.

  

2,00 € + 3 %

Cash withdrawals from bank account and/or credit account at Nordea’s ATMs in Norway, Sweden and Denmark

0,00 €
The fee related to account maintenance/per month when the transactions on the invoice are not paid out in full on the invoice due date. 4,00 €
Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro2,25 %

*When you make a purchase or withdraw cash in a currency other than the euro, an exchange rate set by Mastercard or Visa plus an additional currency conversion fee subject to our tariff will be applied to the transaction. 

*Stockmann Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 24.3% and the price of credit is 1,684 euros, when the nominal interest rate is the 3-month Euribor (January 2020) + 12.5% and the monthly account management fee of 4 euros and the paper invoice fee of 3 euros have been taken into account. Stockmann Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 1,500–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Contact us

Nordea Finance Customer Service helps and advice you on your credit card and car credit related issues

0200 86210

Call Mon-Fri 9.00-16.30 (local network charge/mobile call charge)