Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings

Nordea Gold review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Nordea Gold suits Finnish customers who want a premium credit card with insurance and travel perks rather than rewards. The annual fee of €35.88 and APR of 23.3% make it a costly pick against cards charging €0 a year.

Key facts

Best for
Customers in Finland who value included insurance and travel extras over rewards.
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 Oyj (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

Debit cards

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 Oyj (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 StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInXyoutube.com

Pros and cons

Pros

  • Product safety insurance is included with the card
  • Card purchases carry an interest free payment period
  • Additional cards for family members are free
  • Runs on the Visa network, accepted widely

Cons

  • The annual fee of €35.88 is high against a site median of €0
  • The rewards type is none, so there is nothing back on everyday spend
  • The currency conversion fee of 2.5% is above the site median of 1%
Nordea Gold

Ready to try Nordea Gold?

Scored 8.8 / 10 by DebitCue.

See alternatives

Who it suits

  • Customers in Finland who want insurance and travel perks on a credit card
  • Families who want extra cards for household members at no extra cost
  • Shoppers who clear card purchases within the interest free period

Who should look elsewhere

  • Anyone chasing cashback, who would do better with a cashback card
  • Spenders who pay in other currencies often and would prefer a lower conversion fee

Fees and currency costs

The credit card charges an annual fee of €35.88 and interest at an APR of 23.3%. Spending in another currency adds a conversion fee of 2.5%, above the site median of 1%. Cover is generous on the extras side: purchases carry an interest free payment period, product safety insurance is included, and extra cards for family members are free. The rewards type is none, so the perks are insurance and offers rather than payback on spending.

How Nordea Gold compares

Where Nordea Gold is available

Available
Finland, Germany
Licence in Finland
Finanssivalvonta (Finnish Financial Supervisory Authority), checked September 26, 2026
Licence in Germany
European Central Bank, checked September 26, 2026

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

Frequently asked questions

What does Nordea Gold cost to hold?+

The credit card charges an annual fee of €35.88, and the card is issued by Nordea Bank Oyj. Borrowing costs an APR of 23.3%. The rewards type is none, so the fee buys insurance and travel benefits rather than cashback.

What interest applies if I carry a balance?+

Interest accrues at an APR of 23.3% on the credit card. Card purchases come with an interest free payment period, so clearing the balance within that window avoids interest entirely. This is a revolving credit card, not a charge card.

What does it cost to spend in another currency?+

The currency conversion fee is 2.5%, which sits above the site median of 1%. That makes the card a costly choice for anyone paying abroad or in a second currency often. The card runs on the Visa network, so acceptance abroad is wide.

Which regulator supervises the card?+

Nordea Bank Oyj is supervised by Finanssivalvonta, the Finnish Financial Supervisory Authority, in Finland, and the European Central Bank in Germany. The card runs on the Visa network, and support runs on chat, phone and help centre.

What perks come with the card?+

Product safety insurance is included, there is an optional K-Plussa add on, and Mastercard Priceless presale and event offers are available. Extra cards for family members are free, and card purchases carry an interest free payment period.

Does the card earn rewards?+

The rewards type is none. Instead of cashback or points, the card leans on product safety insurance, presale and event offers, and free additional cards. Buyers who want cashback on everyday spending should look at a cashback card instead.

Who is this card aimed at?+

The card is positioned for kids and families as well as regular credit users, with free additional cards for family members. Travel sits among its listed features, and the Visa network is accepted widely. Support runs on chat, phone and help centre.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Nordea Gold

Nordea Gold

Customers in Finland who value included insurance and travel extras over rewards.

8.8/10See alternatives