TUOHI Mastercard with wearables

Paying with your phone and smart watch has become mainstream, next in line are payments with rings, bracelets and keyfobs.

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 at nordea.fi/wearablesOpens new window and get to know the products at nordea.fi/laksproductsOpens new window. You can use the contactless payment feature when paying with the credit facility of your TUOHI Mastercard. Make use of the discount of 15% when ordering a LAKS PAY product, discount code “tuohi15” (valid until 18 October 2020).

TUOHI is flexible

  • Apply for TUOHI here and get the credit decision instantly. 
  • Choose a suitable credit limit between 1,000 and 10,000 euros.
  • Get the credit decision instantly.
  • Get an interest-free repayment period of 30 days on average. 
  • No opening or annual fees.
  • You decide the amount of your repayments.
  • Use your bank’s online banking codes to apply. 
  • You can also apply for TUOHI in our partners’ stores, the Nordea Wallet app, and in Nordea’s Netbank if you are a Nordea customer. 

The credit interest is 14% + 3-month Euribor. The account management fee is 5 euros per month and the paper invoice fee of 3 euros per invoice is charged if you have outstanding credit balance. 

TUOHI Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 27.8 %, when the nominal interest is the 3-month Euribor (01/2020) + 14 % and the monthly account management fee of 5 euros and the paper invoice fee of 3 euros have been taken into account. TUOHI is a continuous credit facility which is valid until further notice, with a credit limit of 1,000–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

Pay with TUOHI wherever you shop

  • Whether you want to make purchases in stores, abroad, online or on mobile, you can do it with TUOHI Mastercard. 
  • If you are using Nordea Wallet, Google Pay or Apple Pay, you can start using your card instantly without having to wait for the physical card.
  • In OmaLuotto-service and Netbank, you can manage your TUOHI account 24/7; check your balance, view your transactions or transfer money from your credit card to your bank account.
  • You can add your TUOHI Mastercard to the Google Pay and Apple Pay apps to pay for your purchases with your phone. 
  • The contactless payment feature is added to your TUOHI Mastercard when you renew it. If you have opened your TUOHI Mastercard after 23 November 2018, the contactless payment feature is already included in your card.

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Get reimbursed for the price difference with PriceGuard Insurance

An automatic extra benefit available with your card for free

PriceGuard Insurance guarantees you the best price on the market. Should you find a lower price for a new item within 30 days from the date of purchase using your TUOHI Mastercard, PriceGuard Insurance covers the price difference, which is reimbursed directly to your account in accordance with the insurance terms and conditions. 

You may be reimbursed for the price difference if you have paid for the entire purchase with your TUOHI card, bought the item in a shop located in Finland or in a Finnish online store and if you attach the offer with the lower price to your claim. 

The refund does not apply to items purchased for professional use, structures or fixtures, outlet offers, package deals or the purchases you have made in a store upon the granting of the TUOHI card (if you have applied for the card in one of our partners’ stores). 

PriceGuard Insurance is issued by Tryg. Read the insurance terms and conditions

If you want to file a claim for reimbursement under PriceGuard Insurance, please follow the instructions below.An automatic extra benefit available with your card for free

PriceGuard Insurance guarantees you the best price on the market. Should you find a lower price for a new item within 30 days from the date of purchase using your TUOHI Mastercard, PriceGuard Insurance covers the price difference, which is reimbursed directly to your account in accordance with the insurance terms and conditions. 

You may be reimbursed for the price difference if you have paid for the entire purchase with your TUOHI card, bought the item in a shop located in Finland or in a Finnish online store and if you attach the offer with the lower price to your claim. 

The refund does not apply to items purchased for professional use, structures or fixtures, outlet offers, package deals or the purchases you have made in a store upon the granting of the TUOHI card (if you have applied for the card in one of our partners’ stores). 

PriceGuard Insurance is issued by Tryg. Read the insurance terms and conditions

How to claim a refund

If you want to file a claim for reimbursement under PriceGuard Insurance, please follow the instructions below.

  1. Fill in the claim online.
  2. Attach a copy of your TUOHI Mastercard invoice that shows your purchase and a receipt that shows the date, type and price of your purchase to your claim. In addition, attach the offer or advertisement with the lower price for the same item. The invoice and receipt must show that you paid for your entire purchase with your TUOHI Mastercard.
  3. Send your claim to Tryg.
  4. If you are unable to add the required attachments to your claim, file your claim online without the attachments and send them to Tryg by post to Moderna Försäkringar (Tryg Forsikringer A/S) FE 371, 106 56 Stockholm, Sweden. Write “Nordea Cards” on the envelope. 
  5. For further information: Tryg, Sveavägen 167, 11346 Stockholm, Sweden, tel +358 800 935 55, info@tryg.fi, Mon–Fri 8–16.
Prices for TUOHI Mastercard from 1.9.2019
Prices for cards issued before 1 September 2019

Contact us

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

0200 86210

Call Mon-Fri 9.00-11.00 and 13.00-16.00 (local network charge/mobile call charge)