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Nordea FI review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Nordea FI suits Finnish residents who want everyday spending, easy-access savings and a consumer loan from the same bank. Savings pay 0.4% to 3% at a fixed rate on deposits covered by a guarantee scheme, while the credit card at 23.3% leaves card borrowing costly.

Key facts

Best for
One Finnish bank for a debit card, savings and a consumer loan.
Monthly fee
€0 to €2.99↗
Currency conversion fee
2.5%↗
Free ATM withdrawals
€0 to €4↗
Card type
Debit↗
Card network
Visa↗
Legal entity
Nordea Bank Abp↗
Headquarters
Finland↗
Founded
2000↗
Support channels
Chat, Phone, Help-centre↗
Features
Travel
Audience
Kids
Official website
nordea.fi

Loans

APR
23.3%↗
Loan amount
€2,000 to €50,000↗
Term
12 to 96 months↗
Arrangement fee
0.00 EUR↗
Credit check
Hard↗
Funding time
Usually decided same day, at latest within a few days; money paid to the account immediately after approval, Mon-Sun 07.00-22.30↗
Representative example
Joustoluotto 8 000 EUR, 3M euribor + 8.9% margin, nominal 10.975%, 76 months, APR 15.0%, total cost 12 143.07 EUR, opening fee 0 EUR↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Existing Nordea customer with Nordea bank credentials, at least 18 years old, regular income, no payment default entries, permanently resident in Finland↗
Loan types
Personal, Debt-consolidation, Car, Student, Secured, Credit-line↗
Credit needed
Good↗
Use cases
Home-improvement↗
Pricing model
No monthly fee, Fixed rate

Credit cards

Annual fee
€35.88↗
Rewards type
None↗
Perks
Tuoteturva product safety insurance included, Optional K-Plussa add-on feature, Mastercard Priceless presale and event offers, 30-day interest-free payment period on card purchases, Free additional cards for family members↗
Card kind
Credit↗

Savings

Headline rate
0.4% to 3%↗
Minimum deposit
€0↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Withdrawals and deposits at any time, no limits on deposit amount or term, covered by deposit guarantee↗
Account kind
Easy access↗

Mortgages

Initial rate
3.21%↗
APRC
3.4%↗
Fixed period
3 to 15 years↗
Maximum loan to value
95%↗
Product fee
from €300↗
Purpose
Purchase, Remortgage, First-time-buyer, Buy-to-let, Home-equity↗

Facts checked September 26, 2026, 14 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • The debit card monthly fee runs €0 to €2.99 and covers €0 to €4 free ATM withdrawals.
  • Savings pay 0.4% to 3% at a fixed rate with a minimum deposit of €0.
  • The consumer loan opens at 0.00 EUR and early repayment carries no charge.

Cons

  • The credit card charges 23.3% with an annual fee of €35.88, a heavy price for carrying a balance.
  • Currency conversion costs 2.5%, among the weaker marks here for spending abroad.
  • The credit card rewards type is none, so nothing comes back on everyday spend.
Nordea FI

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Finnish residents who bank with Nordea and want spending and saving together
  • Savers who want easy access to money at a fixed rate
  • Borrowers with good credit who need a decision quickly

Who should look elsewhere

  • Wise, if you want a £0 monthly fee and a simpler account
  • bunq, if the €0 to €2.99 debit card fee range is more than you want to pay
  • Varo Believe Secured Credit Card, if you want a card that earns back on spending

Who runs it

Nordea FI runs as Nordea Bank Abp, headquartered in Finland and founded in 2000. It is supervised in Finland by the European Central Bank and the Financial Supervisory Authority, so the money side sits inside banking supervision rather than investment regulation. Support runs on chat, phone and help centre, covering chat, phone and a help centre.

How Nordea FI compares

Where Nordea FI is available

Available
Denmark, Finland, Norway, Sweden
Licence in Finland
European Central Bank (ECB), checked September 26, 2026
Licence in Finland
Financial Supervisory Authority (Finland), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Nordea FI debit card cost to hold?+

The debit card carries a monthly fee in the range €0 to €2.99, so the cheapest tier costs nothing. It runs as a debit card on the visa network, and €0 to €4 ATM withdrawals sit within the fee.

How much is currency conversion on the card?+

Conversion on the debit card costs 2.5%, which sits at the poor end of the comparison for travel spending. Card use abroad is a listed feature, so the charge applies exactly where a traveller feels it. Spending in the euro area on the visa network avoids it.

Is money saved with Nordea FI protected?+

Savings sit under deposit protection of EU DGS up to EUR 100,000. The account is an easy access account, so money can move whenever you want, with no cap on the balance and no lock-in period to plan around. The rate is fixed at 0.4% to 3%.

What do I need to deposit to start saving?+

There is no floor to meet, since the minimum deposit is €0. The account is listed as having no monthly fee and a fixed rate, and money can be withdrawn whenever needed, which suits a buffer you might have to reach for at short notice.

What does borrowing cost at Nordea FI?+

The revolving consumer loan opens at 0.00 EUR, and the representative example sets out the rate, term and total cost in the bank's own illustration. Amounts run €2,000 to €50,000 across terms of 12 to 96, and the check is hard against good credit.

Who can apply for the Nordea FI loan?+

You need to already bank with Nordea and sign in with the bank's own details, meet a minimum age, show regular income, have no record of missed payments, and be a permanent resident of the country. The lender is direct rather than a broker, so an application stays with Nordea.

Do the Nordea FI cards earn rewards?+

Rewards on the credit card are set as none, so spending earns nothing back. What comes instead is €35.88 a year for an interest-free payment period on card purchases, product safety insurance, additional cards for family members and presale and event offers, with an optional K-Plussa add-on.

Can Nordea FI help with a mortgage?+

Mortgages start on an initial rate of 3.21% with an APRC of 3.4% and a fixed period of 3 to 15. Borrowing runs to a maximum loan to value of 95%, and a product fee applies from from €300. Purposes listed include purchase, remortgage, first-time buyer, buy-to-let and home equity.

Sources

Compiled from 14 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Nordea FI

Nordea FI

One Finnish bank for a debit card, savings and a consumer loan.

9.0/10See alternatives