Tuohi Mastercards will no longer be issued as of 7 July 2025.

However, you can continue to use your card as a charge card and credit card. Your credit limit will remain unchanged and the insurance benefits provided by your card will remain valid. You will be able to increase the credit limit of your Tuohi Mastercard and transfer money from your credit account* as before.

*The money transfer feature through the OmaLuotto service will end starting 16 September 2025. After this date, you will no longer be able to make money transfers from your credit to your own bank account through the OmaLuotto service. As a Nordea customer, you can still make money transfers normally through Nordea's online and mobile banking services.

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 Tuohi

tuohi-web-joustava-2

The perfect backup card

If you choose to pay your purchase in instalments, you decide how much you repay each month. You can also transfer cash from your Tuohi Mastercard credit facility to your bank account. The credit limit on a Tuohi Mastercard can be between 2,000 and 10,000 euros. If your circumstances change, you can always apply for a higher credit limit. Keep track of your credit card transactions in Nordea Mobile or Netbank. If you don’t have Nordea access codes, you can use our OmaLuotto service to view your available balance and to transfer cash from your credit facility* to your bank account. 

It is no longer possible to add additional cardholders to the Tuohi Mastercard credit account. Existing additional cards will remain valid as normal.

Read more about paying in instalments

Tuohi_Web_640x360_hintaturva_eng

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

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 key fob, 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

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

For secure online purchases

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 Nordea ID app. You can download the app at App Store or Google Play using the online banking codes of your own bank.

Read more about online use

Terms
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 €
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 query1,50 €
Reorder of card PIN (delivery by post)7,00 €
Checking card PIN in Netbank0,00 €
Change of credit limit0,00 €
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 korttitapahtumille

Tuohi Mastercard is an international charge and credit card with a continuous credit facility which is valid until further notice and has a credit limit between 2,000 and 10,000 euros. The annual percentage rate (APR) for an outstanding credit balance of 2,000 euros is 25.2% and the estimated total cost of the credit is 2,254.30 euros when the credit interest rate is the variable 3-month Euribor rate (3.5% in September 2024) + 14% (meaning a total interest rate of 17.5% in September 2024), the monthly account management fee is 5 euros and the credit is repaid in 12 instalments (188 euros) once a month. The creditor is 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 €
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  
1,50 €
Reorder of card PIN (delivery by post)
7,00 €
Checking card PIN in Netbank
5,00 €
Change of credit limit
0,00 €
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 27.6 %, 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.

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