You can access our banking services and products through our Private Netbank without having to go to the bank office. This way you can save your valuable time and money.
  • Our Private Netbank is a user-friendly and secure system that always keeps your bank operations and transactions under control.
  • You can access our Netbank in the way that suits you best, using your user ID, code card, ID card or Mobile-ID.
  • Silver, Gold and Check-in Customers can get a whole range of discounts.
  • Signing up for the Private Netbank agreement is fast and simple.

Try out the demo version of the Nordea Private Netbank.

Payments and accounts in our Netbank
You can:

  • View your account balance and statements and download them in PDF and CSV formats
  • Change your account settings
  • Make intra-bank, domestic and international payments
  • Make SEPA payments
  • Convert currency
  • Set up standing orders and direct debit agreements
  • View, order and pay e-invoices

You can:

  • View detailed information on your debit and credit cards, your transaction history, your credit card bills and your card applications
  • Block your card if it gets lost or stolen

Deposits and investments
 You can:

  • Set up, change and close deposits and view detailed information on your deposits
  • Investment fund transactions and investment fund portfolio overview
  • See the status of your pension funds
  • View and edit contact information
  • Read and compose customer mail messages

Terms for Private Netbank and Telephone BankPDF (New termsPDF valid from 24.09.2016)

You can use our Private Netbank with the following browsers:
  • Internet Explorer, IE7 or later
  • Firefox, latest version
  • Safari
  • Google Chrome

Using the Private Netbank is simple but secure

Private Netbank users are identified through their user ID and login code, the codes from their code cards, or the PIN1 of their ID card or Mobile-ID. Payments are confirmed using the codes from the code cards or the PIN2 of the ID card or Mobile-ID.
Session protection

  • The connection in our Netbank is protected with the SSL security protocol. The SSL protocol encrypts the data exchange, and the bank identifies customers through their Netbank codes (Mobile-ID or PIN1 for ID card). Additionally, cookies are used to define a session.
  • The SSL security protocol is an encryption technology supported by browsers. When SSL encryption is activated in Explorer, Mozilla or Google Chrome, a padlock icon will appear on the display. If you click on the padlock icon you can view the bank’s security certificate.  A secure connection begins with the letters “https://” in the address field of the internet browser. If the website address begins with “http://”, the connection is not secured.
  • For security reasons, the duration of the connection with the bank is monitored. The maximum duration of one session is two hours. If the internet bank service has been idle for 15 minutes, the session will automatically expire and you will need to log in again to access the service. If you are using your ID card, first close all your browser windows and then log in again. The limited session time is there to protect you against the misuse of your account if you have forgotten to log out from the internet bank.

Guidelines for keeping your internet bank service safe and secure

To prevent unauthorised use of the service and any damage it may cause, we ask you to follow these requirements for looking after your security cards:

  • Keep your user ID and code card or ID card where nobody else can get to it, not even members of your family. If you would like to authorise another person to handle your finances, you need to designate that person as a user of the service.
  • Keep your user ID and code card or ID card apart so that if somebody gets hold of one of them they won’t be able to cause any harm.
  • Do not record security information for other people in a way that can be identified. You must not record your user ID on the code card in any form under any circumstances. The bank strongly recommends that you memorise your user ID.

Disconnecting from the internet bank session

The internet bank session will end when you click “Logout”. For security reasons, we recommend that you then close all your browser windows.


Although you may be used to using your code card to access our Netbank, it is actually safer to use your ID card or Mobile-ID.
Code card

  • You will be given your user ID and code card when you sign the Netbank user agreement. The code card contains 120 four-digit codes and you will need one of them to enter the Netbank with your user ID each time you log in. When you have reached your 90th code, the bank will send you a new code card by post.
  • If you enter the wrong code three times in a row, the service will be locked and the error message “Login failed (client locked)” will be displayed.
  • To unlock your account, please contact your nearest Nordea bank office or service outlet. Once your identity has been verified in the bank office or at the service outlet, your account can be unlocked.

Light login password

  • The light login password is a means of identification for logging in to the internet bank, including the mobile bank.
  • The light login password gives less access than other means of identification like Mobile-ID, ID card or the code card and their codes, and it only allows the following operations in the internet bank and the mobile bank:
  • If you are a private account holder you can view information on any accounts connected to your user ID and make transactions between accounts that belong to you.
  • If you are a legal person you can view account information connected to your user ID.
  • If you have signed in to the Netbank with your light login code, you can still use the Mobile-ID, ID card or code card as an additional identification method for other operations without first having to log out from the Netbank. User guide for the light login passwordPDF.

ID card

  • To enter the internet bank with your ID card, you will need the PIN1 of your ID card as well as the card itself. The connection with the bank will be established through your personal certificate in the chip of your ID card.
  • To use your ID card on the internet, you will need a card reader. The ID card reader is a computer device which you insert your ID card into so it can read the data from your card.


  • Mobile-ID is an ID card based application that allows you to authenticate yourself and digitally sign documents through a mobile device.
  • You will need a specialised Mobile-ID SIM card, which you can get from your mobile phone operator if you sign the service agreement for it.
  • Once you have got your Mobile-ID SIM card, you will need to activate it to bind it to your personal identification code through the link on the website new window (application for issuing new certificates), which you will sign with your ID card.
  • Please make sure that the contact details of your internet bank user ID gives the same mobile number for which you have ordered the Mobile-ID services!
  • Further information can be found on the Mobile-ID and ID card websiteOpens new window.


Nordea Netbank package without a monthly fee package with a monthly fee 1
Package fee – monthly fee


1,80 €
Outgoing payments
Domestic payment to another bank 0,38 € Free
Urgent domestic payment to another bank 10 € 10 €
Intra-bank payment within Nordea Estonia (in any currency) Free Free
Incoming payments
Incoming payments Free Free

1 For the package with a monthly fee, all domestic payments made through Nordea Netbank are free with no limits on their number. Customer needs to pay only the monthly fee.  Service will be discontinued starting 1.02.2016
** For customer under 20 years old Nordea Netbank is free of charge.

If you have lost your Nordea Netbank codes, if you wish to block your debit or credit card or you have other questions, please contact us: 6 283 300