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.
Accepted 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.
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 (www.nordeafinance.fi/en/omaluotto) to view your available balance and to transfer cash from your credit facility to your bank account.
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.
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.
| 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 | 1,50 € |
| Reorder of card PIN (delivery by post) | 7,00 € |
| Checking card PIN in Netbank | 0,00 € |
| Change of credit limit | 0,00 € |
| Transfer from credit card | 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
| 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 control | 0,00 € |
| 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 withdrawal | 0,60 € |
| Cash withdrawals in euros at ATMs from credit account in the EEA Member States | Interest-bearing as of the drawdown date |
| Cash withdrawals in euros from credit account at branches in the EEA Member States | Interest-bearing as of the drawdown date |
| Cash withdrawals in euros from bank account in the EEA Member States | 2,00 € + 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 EEA | Interest-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 EEA | 2,00 € + 3 % |
| Cash withdrawals from bank account and/or credit account 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 transactions | 5,00 € |
| Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro | 2,25 % |
*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 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.
| 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
| 1,50 €
|
| 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 transactions | 5,00 € |
| Currency conversion fee* added to card purchases or cash withdrawals made in a currency other than the euro | 2,25 % |
*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.
