If you have overpaid your credit account (for example, when paying off your outstanding balance), you can either use the excess to pay for your card purchases as usual or request it to be refunded to your bank account. If you are the only borrower, you can make this request in your credit account settings. You will only see the form for requesting a refund in your credit account settings if there’s an overpayment on your credit account.
Once you have submitted your request, we will refund the excess to the bank account you have stated as soon as possible. The final amount of the refund may differ from the one communicated beforehand if there have been new debits, refunds or other transactions in your credit account in the meantime. If there is no longer an excess in your credit account at the time the refund is processed, no refund will be made. You can check the transactions in your credit account on the front page.
I have an overpayment on my credit account. How do I get the excess money back?
If you have overpaid your credit card account (the available balance exceeds your credit limit), you can either use the excess to pay for your card purchases as usual or request it to be refunded to your bank account. If you are the only borrower, you can make this request in your credit account settings. Go to the shortcuts at the bottom of the front page or open the menu on the upper right corner and select “Credit account settings”. At the bottom of this page, you will find a form for requesting a refund. Please state your bank account number in the IBAN format in your request. You need to be the account holder to request a refund. The excess balance shown in the OmaLuotto service will be updated on the next banking day after we have refunded the excess to your bank account. The request for a refund will then also be removed from the service.
If there are two borrowers, both of you must send a request with the same content via Nordea Omaposti. The accountholder must be one of the borrowers. You can log in to Nordea Omaposti at nordeafinance.fi/omaposti with the online banking codes you have from your bank.
Please note that if you transfer the excess to your bank account yourself in the OmaLuotto service, the usual fees for a transfer will apply.