Useful information about credit cards and car credit

When you’re creating a new payment, we will verify the recipient’s name and account number that you have entered. After the verification, you will be shown a message indicating whether the name of the recipient matches the account holder’s official name. This will help you ensure that your payment will go to the correct recipient before you confirm the payment. Additionally, you may be able to spot scam attempts where the scammer is using a false identity.

The Verification of Payee feature is based on the EU’s Instant Payments Regulation and is applied to euro-denominated payments within the eurozone.

Please note: Payments are transmitted based on the account number, just like before this new feature was introduced.

Read the more detailed description of the Verification of Payee featureOpens new window

If you make a card purchase denominated in an EEA currency other than the euro, you will receive a confirmation of your purchase in a text message. The purpose of this notification is to protect you from fraud, so you don’t need to do anything about the message. However, if you happen to receive a message for a purchase you didn’t make, please contact our customer service. The text message notifications will be sent to our customers using Stockmann Mastercard, Tuohi Mastercard or Finnair Mastercard.

In the OmaLuotto service you can manage your credit whenever it suits you. You can log in to the service with your own bank’s online banking codes on your smartphone or tablet as well. Read more about the service features and start using OmaLuotto right away! You can view your loans and credit information and our tariffs on the product page in the OmaLuotto service.

Using the OmaLuotto service you can

• view your credit account transactions
• select an instalment-free month for your credit
• change a due date or a monthly repayment amount. 

Read more below about what you can do in the OmaLuotto service and how easily you can start using it with your own bank’s online banking codes.

The money transfer feature has been retired on 16.9.2025. Through the service, you can no longer make money transfers from credit to a bank account. Money transfers from credit cannot be made through customer service either.

As a Nordea customer, you can still make money transfers normally through Nordea's online and mobile banking services.

You can also continue to use the card normally in stores and online, as well as withdraw money from ATMs when needed.

If you wish, you can apply for a new Stockmann Mastercard credit through Nordea Finance's website.

To avoid being scammed, keep these tips in mind:

1. Your online access codes are intended for your personal use only

Your online access codes, passwords and card PIN are intended for your personal use only. You should never give them to anyone else even if the request appears to come from a trusted source. Nordea Finance will never contact you to ask for these details by SMS or email. 

2. We will always use a secure connection and strong authentication

Nordea Finance or any other official organisation will not contact you without using a secure connection or requiring you to authenticate your identity. We will never ask about your finances on social media, by SMS or via unencrypted email. 

3. If you are unsure, don’t proceed

As with many other things, you should be careful not to reply to any requests in a hurry – this also goes for requests related to your finances If a call or message seems suspicious to you, hang up or ignore the message. If you’re not sure whether a payment request is genuine, check with the recipient first. If you get a suspicious message from an official organisation, contact their customer service to verify if it’s genuine. Don’t click on any links in emails or messages. Always type nordeafinance.fi in the address bar of your browser when you want to log in to our services. 

Learn about the most common scamsOpens new window

Read more about securityOpens new window

As a new service for our customers, we will automatically send a text message reminder of their overdue invoices. The reminder is sent after three banking days have passed from the due date of the invoice and the payment does not yet show on our account.

If you have already paid the invoice and your payment is on the way, you are not required to do anything (the automatic text message is free of charge). You can check from your account transactions when you have paid the invoice.

If you prefer not to receive automatic text messages regarding your overdue invoices, you can call Nordea Finance Customer Service or send a message via  Nordea Omaposti. You can log in to Omaposti with your own bank’s online banking codes or with the Mobile ID. As a Nordea customer, you can also send a message in Nordea Netbank and Nordea Mobile.

Read more about the introduction of the register at nordea.fiOpens new window