Tuohi Mastercard. The other card.

A job offer from another town, a broken washing machine, a positive result in a pregnancy test, an irresistible mountain bike… At times, you may face unexpected situations in which you should not rely on one card only. Luckily, in case of the unexpected, you can use Tuohi Mastercard, the “other” card.

Don’t tie yourself to the price of the day.

It always pays to check the other price. You may sometimes find out that an item you just bought is sold at a cheaper price in a next-door shop. For such situations, unique PriceGuard Insurance has been added to your Tuohi Mastercard.

If you find a product you bought with your Tuohi Mastercard at a cheaper price within a month, you can seek compensation for the price difference from the PriceGuard Insurance included in your card. If the insurance terms and conditions are met, the difference will be credited to your account directly.

Read more about PriceGuard Insurance

Your credit companion with no annual fee

Tuohi Mastercard is a credit card issued by Nordea Finance Finland Ltd without any annual fee. You can apply for a card easily online regardless of which bank’s customer you are. Tuohi Mastercards are accepted as means of payment anywhere Mastercards are accepted, and of course also online. As a holder of Tuohi Mastercard, you can pay your purchases in instalments, withdraw cash at ATMs in Finland and abroad and transfer cash from your credit facility to your bank account. The unique PriceGuard Insurance included in Tuohi Mastercards guarantees you the best price on the market.

Tuohi Mastercard is an international charge and credit card. The annual percentage rate of charge on 1,500 euros of outstanding credit is 27.6% and the price of credit is 1,708 euros, when the nominal interest rate is the 3-month Euribor (February 2021) + 14% and the monthly account management fee of 5 euros and the paper invoice fee of 3 euros have been taken into account. Tuohi Mastercard is a continuous credit facility which is valid until further notice, with a credit limit of 2,000–10,000 euros. The credit is granted by Nordea Finance Finland Ltd, Aleksis Kiven katu 9, Helsinki.

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tuohi-web-640x360-koko-maailmaAccepted everywhere

With Tuohi Mastercard, you can pay your purchases with the contactless payment feature in your next-door shop 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. The new contactless payment solutions also enable Tuohi Mastercard purchases with a ring or keyfob, for example.

Read more about paying with TuohiOpens new window

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Handy secondary cash reserve

Tuohi Mastercard brings flexibility to your essential household article purchases or your family’s unexpected expenses, since as a cardholder you always have a reserve fund in your pocket. You can decide yourself the repayment amounts of your purchases, and you can also transfer cash from the Tuohi Mastercard credit facility to your bank account. The credit limit on a Tuohi Mastercard can be 2,000 to 10,000 euros. Should your need for credit change, you can apply for a raise to your current credit limit any time.

Read more about the flexible payment scheduleOpens new window

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PriceGuard guarantees you the best price

Even if you compare prices, you can never know which shop launches still better campaigns.  For this, the PriceGuard Insurance included in Tuohi Mastercard brings you an easement in payment, as it will compensate for the difference if you purchase a product at a higher price compared to the price at which the same item is sold somewhere else in Finland within 30 days of your purchase. The insurance covers any purchases made on your Tuohi Mastercard except where the Nordea Tuohi Mastercard is issued in conjunction with the first purchase at a store, that first purchase made in conjunction with the application and issuance of the Nordea Tuohi Mastercard will not be covered from the PriceGuard Insurance. PriceGuard Insurance is issued by Tryg.

Read more about PriceGuard Insurance

The diversified Tuohi Mastercard

  • Choose a suitable credit limit between 2,000 and 10,000 euros. Should your need for credit change, you can apply for a raise to your current credit limit. You always get the credit decision instantly. Use our credit calculator to find the optimal credit limit and monthly payment for you.Opens new window

     

  • Includes unique PriceGuard Insurance.
  • Average interest-free payment period of 30 days.
  • No opening or annual fees.
  • You decide the amount of your repayments.
  • Use your bank’s online banking codes to apply.
  • Besides on this page, you can apply for a Tuohi Mastercard at our cooperation partners’ shops and in Nordea Wallet.
  • 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. The annual percentage rate of charge calculated on 1,500 euros of outstanding credit is 27.6% (February 2021).

SMART CHOICE FOR OTHER BANKS´ CUSTOMERS AS WELL. Your current account can be in any Finnish bank, and you can transfer money with your Tuohi Mastercard from your credit facility to your bank account and track your card transactions or make changes to your credit with the easy-to-use OmaLuotto service.

Accepted everywhere

With Tuohi Mastercard, you can pay your purchases in your next-door shop and at a holiday resort in 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. The new contactless payment solutions also enable Tuohi Mastercard purchases with a ring or keyfob, for example.

Secure contactless payment

You can choose between a variety of payment instruments while making contactless payments: a card, smartphone, smartwatch, ring, bracelet or a keyfob. However, all smart payments have one thing in common: the contactless payment feature. It enables you to make secure and easy payments up to 50 euros. For withdrawals at ATMs and payments at shop payment terminals exceeding 50 euros, you will need a personal PIN. If necessary, you can order a new PIN in the OmaLuotto service or in Nordea Netbank, through Nordea Customer Service or at a Nordea branch.

Read more about contactless payments

Cash conveniently abroad Opens new window

With your Tuohi Mastercard, you can withdraw cash at ATMs both in Finland and abroad. ATMs in foreign countries also provide you with an easy access to the local currency. Cash withdrawals are subject to a fee set in our tariff. You can set a security limit to your cash withdrawals and make changes to the limit whenever necessary in the OmaLuotto service or in Nordea Netbank or at a Nordea branch. Security limits refer to daily limits for cash withdrawals and payments at ATMs.

Read more about card security limits Opens new window

For secure online purchases Opens new window

Tuohi Mastercard enables you to make secure payments in any online shops that accept Mastercards as a means of payment. To make an online payment, you will always need the validity period of your card and the three-digit security code from the back of the card. Online payments exceeding 30 euros require strong authentication with the code app. You can download the Nordea Codes app at App Store or Google Play using the online banking codes of your own bank.

Read more about online use Opens new window

Handy secondary cash reserve

Tuohi Mastercard brings flexibility to your essential household article purchases or your family’s unexpected expenses, since as a cardholder you always have a reserve fund in your pocket. You can decide yourself the repayment amounts of your purchases, and you can also transfer cash from the Tuohi Mastercard credit facility to your bank account. The credit limit on a Tuohi Mastercard can be 2,000 to 10,000 euros. Should your need for credit change, you can apply for a raise to your current credit limit any time. 

tuohi-web-640x360-koroton-maksuaikaInterest-free payment period

If you want, you can pay off all the purchases you have made with Tuohi Mastercard when you get the invoice. When you pay your purchases with Tuohi Mastercard, you will always get an average interest-free payment period of 30 days. During this interest-free period, you only have to pay the account management fee of 5 euros and, if you have opted for a paper invoice, a fee of 3 euros per invoice. The account management fee will only be charged if you have an outstanding credit balance. Tuohi Mastercard comes without an annual fee.

Read more about Tuohi.

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Flexible credit

You will get an invoice once a month and when you receive the invoice, it is up to you to decide if you want to pay the minimum instalment, the total amount or something in between. If you pay your purchases in smaller instalments, you will also be charged the interest (3-month Euribor + 14%), a monthly account management fee of 5 euros and a fee of 3 euros for any paper invoices, in accordance with the agreement terms and conditions.

See the tariff.Opens new window

tuohi-web-640x360-lyhennysvapausInstalment-free months

As a holder of Tuohi Mastercard, you are entitled to a payment holiday. During the instalment-free period, you do not need to amortise your credit, but the account management fee and interest for an instalment-free month will be included in the next monthly repayment. You can select two (non-successive) instalment-free months a year. Please note that you cannot combine the instalment-free months with invoicing of equal-payment purchases. To take an instalment-free month, go to the OmaLuotto service or Nordea Netbank or call Nordea Finance Finland’s Customer Service.

Read more about instalment-free months.

PriceGuard insurance is the best companion to a bargain hunter

PriceGuard Insurance is a free additional benefit that comes automatically with your card. It helps you make your purchases in Finland at the best possible price. This means that the PriceGuard Insurance will compensate for the difference if you purchase a product at a higher price compared to the price at which the same item is sold somewhere else in Finland within 30 days of your purchase.  If the insurance terms and conditions are met, the difference will be credited to your account directly. The prerequisite for the refund is that you have made your purchase at shop in Finland or in a Finnish online shop and paid the purchase in full with your Tuohi Mastercard. The product-specific minimum refund is 20 euros and the maximum refund 500 euros. PriceGuard Insurance is issued by Tryg. The insurance covers any purchases made on your Tuohi Mastercard except where the Nordea Tuohi Mastercard is issued in conjunction with the first purchase at a store, that first purchase made in conjunction with the application and issuance of the Nordea Tuohi Mastercard will not be covered from the PriceGuard Insurance. 

Read more about how PriceGuard Insurance works or apply for a refund of a price difference.

As a user of Tuohi Mastercard, you should subscribe to our newsletter which will keep you up to date on any matters related to your card.

Prices for Tuohi Mastercard from 1.9.2019
Prices for cards issued before 1 September 2019

Prices for Tuohi Mastercard from 1.9.2019

Prices for Tuohi Mastercard from 1.9.2019
Tuohi Mastercard annual fee 0,00 €
Parallel card0,00 €
Mastercard queries in Netbank, Mobile Bank and in OmaLuotto service per month0,00 €
Service fee for an express order of Mastercard
10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query0,00 €
Reorder of card PIN (delivery by post)7,00 €
Checking card PIN in Netbank0,00 €
Reorder of card PIN (delivery by SMS)0,00 €
Change of credit limit0,00 €
Change of repayment schedule5,00 €
Transfer from credit card Interest-bearing as of the transfer date
Printed credit card invoice/per invoice3,00 € 
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 control0,00 € 
Finder’s fee 0,00 €
Confiscation fee for a card used in violation of the card terms and conditions 120,00 €
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 in euros at ATMs in the EEA Member States 5 or more withdrawals per month per withdrawal0,60 €
Cash withdrawals in euros at ATMs from credit account in the EEA Member StatesInterest-bearing as of the drawdown date
Cash withdrawals in euros from credit account at branches in the EEA Member StatesInterest-bearing as of the drawdown date
Cash withdrawals in euros from bank account in the EEA Member States2,00 € + 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 EEAInterest-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 EEA2,00 € + 3 % 
Cash withdrawals from bank account and/or credit account at Nordea’s ATMs in Norway, Sweden and Denmark0,00 €
The fee related to account maintenance/per month in case of outstanding debt or transactions5,00 €
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. Valuuttakurssit korttitapahtumilleOpens new window

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.

Prices for cards issued before 1 September 2019

Prices for cards issued before 1 September 2019
TUOHI Mastercard annual fee
0,00 €
Parallel card
0,00 €
Mastercard queries in Netbank, Mobile Bank and in OmaLuotto service per month
0,00 €
Service fee for an express order of Mastercard
10,00 €
Transaction query at Otto.ATMs and Nordea's payment ATMs, per query  
1,00 €
Reorder of card PIN (delivery by post)
7,00 €
Checking card PIN in Netbank
5,00 €
Reorder of card PIN (delivery by SMS)
0,00 €
Change of credit limit
10,00 €
Change of repayment schedule
5,00 €
Transfer from credit card
10,00 € + 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
2,00 € +3 %
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
10,00 €
Confiscation fee for a card used in violation of the card terms and conditions
120,00 €
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
2,00 € + 3 % 
Cash withdrawals in euros at ATMs from a bank account in the EEA Member States 1–4 withdrawals per month
0,00 €
Cash withdrawals in euros at ATMs in the EEA Member States 5 or more withdrawals per month per withdrawal
0,60 €
Cash withdrawals in euros at ATMs from credit account in the EEA Member States
2,00 € + 3 %
Cash withdrawals in euros from bank account and/or credit account at branches in the EEA Member States
2,00 € + 3 %
Cash withdrawals in currencies other than the euro from bank account and/or credit account at branches and/or ATMs in the EEA Member States and outside the EEA
2,00 € + 3 %
Cash withdrawals from bank account and/or card credit at Nordea’s ATMs in Norway, Sweden and Denmark
0,00 €
The fee related to account maintenance/per month in case of outstanding debt or transactions5,00 €
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.

*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.

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)