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Nordea FI review

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

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Our verdict

Nordea FI suits people in Finland who want a debit card and a credit card from one bank, and it is aimed at kids for a first card. The debit fee of €0 to €2.99 a month keeps the everyday side affordable, while the credit side carries an annual fee.

Key facts

Best for
A cheap visa debit card for everyday spending in Finland, and a first card for a child.
Monthly fee
€0 to €2.99 (Source, checked September 26, 2026)
Currency conversion fee
2.5% (Source, checked September 26, 2026)
Free ATM withdrawals
€0 to €4 (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Visa (Source, checked September 26, 2026)
Legal entity
Nordea Bank Abp (Source, checked September 26, 2026)
Headquarters
Finland (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)
Features
Travel
Audience
Kids
Official website
nordea.fi

Credit cards

Annual fee
€35.88 (Source, checked September 26, 2026)
APR
23.3% (Source, checked September 26, 2026)
Currency conversion fee
2.5% (Source, checked September 26, 2026)
Rewards type
None (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
Nordea Bank Abp (Source, checked September 26, 2026)
Headquarters
Finland (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre (Source, checked September 26, 2026)
Features
Travel
Audience
Kids

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • It is a debit card on the visa network, and travel is its listed feature.
  • Support runs on chat, phone and help centre, covering phone, chat and a help centre.
  • Aimed at kids, so it works as a first card for a young person.
  • The credit card adds product safety insurance, an interest-free payment period on purchases and free additional cards for family members.

Cons

  • The currency conversion fee is 2.5%, and the site median is 1%, ranking 192 of 259 brands.
  • ATM withdrawal charges run €0 to €4, and the brand places 41 of 115 on free withdrawals.
  • The credit card costs €35.88 a year at an APR of 23.3% with a rewards type of none.
Nordea FI

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Scored 9.0 / 10 by DebitCue.

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Who it suits

  • Families in Finland who want a child's first card, since the card is aimed at kids.
  • Customers who want a debit card and a credit card from the same issuer, Nordea Bank Abp.
  • Anyone who would rather use chat or phone than email, since support runs on chat, phone and help centre.

Who should look elsewhere

  • Wise, whose monthly fee is £0, if the priority is travel spending rather than a Finnish bank account.
  • Varo Believe Secured Credit Card, at $0 a month, for a secured card rather than an everyday one.
  • Chime Card (Secured Visa Credit Card), at $0 a month, if you would rather hold a secured credit card.

How it compares on our data

Monthly fee is where it scores well, ranking 1 of 419 brands. Currency conversion is the weak spot at 192 of 259, and free ATM withdrawals sit at 41 of 115. The pattern is a cheap account to hold and an expensive one to spend abroad on.

Deposit protection

The card is issued by Nordea Bank Abp, a Finnish bank supervised by the Financial Supervisory Authority and the European Central Bank. That supervision sits with the bank, not the card, so the balance behind the debit card is held by a regulated lender. Purchase disputes follow the card terms, and account terms cover the balance.

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 debit card cost each month?+

The debit card charges €0 to €2.99 a month and runs on the visa network. A separate credit card carries an annual fee of €35.88 and an APR of 23.3%, so the two products sit very differently on cost.

What does it cost to spend in another currency?+

The currency conversion fee is 2.5%, and the site median is 1%, so foreign spending sits well above the middle. Nordea places 192 of 259 brands on this measure, which is where the cost bites.

Are ATM withdrawals free?+

Charges for ATM withdrawals run €0 to €4, so most cash withdrawals will cost something. The site median is €0, and Nordea ranks 41 of 115 brands on free withdrawals.

Is my money protected?+

Nordea Bank Abp issues the card from Finland and is supervised there by the Financial Supervisory Authority and the European Central Bank. Protection for the balance runs on the bank's own terms, so check them before parking a large sum behind the debit card.

Is this a debit card or a credit card?+

Both are offered. The everyday card is a debit card with a monthly fee of €0 to €2.99 and travel as its feature, while the other is a credit card at an APR of 23.3% with an annual fee of €35.88 and a rewards type of none.

What do I get beyond the basic card?+

The credit card includes product safety insurance, an interest-free payment period on card purchases and free additional cards for family members, plus an optional K-Plussa add-on and presale and event offers. The debit card adds no rewards of its own, with a rewards type of none.

How do I get help?+

Support runs on chat, phone and help centre, so phone, chat and a help centre are covered, and no email or community channel is listed. For an everyday card costing €0 to €2.99 a month, that is a workable service mix.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Protection.

Nordea FI

Nordea FI

A cheap visa debit card for everyday spending in Finland, and a first card for a child.

9.0/10See alternatives