Bronze customer

The Bronze customer level is the first level in our customer programme. By entrusting your banking entirely into our hands, you will become eligible for being automatically upgraded to the Silver or Gold customer levels.
NB! An updated private customer programme will enter into force on 1 February 2017. See new terms.

The standard price list applies to Bronze customers. As you become a more active user of our banking services, we will make sure to automatically upgrade you to the Silver and Gold customer levels.

If you join Nordea’s customer programme as a family, the services used by everybody in the family unit will be combined and the benefits will also extend to both you and the other members of your family.

The Bronze customer level is the first level in our customer programme. You will automatically be assigned the Bronze status when you become Nordea’s customer. By entrusting your and/or your family’s banking entirely into our hands, you will become eligible for being automatically upgraded to the Silver or Gold customer levels.

All customers over the age of 20 who open a current account at Nordea will automatically be assigned the first level in our customer programme, i.e. the Bronze status. However, as part of the customer package, all 20 to 26-year-old customers will be linked to the Check-in youth package.

Reassignment from one customer level to another takes place automatically and is based on how actively you and your family use Nordea’s services. Income received on your current account and the total sum of your savings and investment products are taken into account.

Upgrading your customer status
Your customer status will be upgraded if you meet the requirements for the higher level for two consecutive months.

Downgrading your customer status
Your customer status will be downgraded if you fail to meet the requirements for your current customer level for six consecutive months.

In determining the total volume of saving and investment products, the Nordea customer programme proceeds from:

  • the settlement account average monthly balance
  • the investment account average monthly balance
  • the average monthly balance of the term deposit, target deposit and child`s deposit
  • the reserve deposit average monthly balance
  • the end-of-month value of Nordea investment funds` shares in market prices
  • the end-of-month net value of Nordea III pillar supplementary pension fund shares
  • the end-of-month value of single instruments (shares, investment funds)
  • the end-of-month balance of indexed bonds

The products considered in determining the customer group level in the customer programme are:

In everyday banking:

  • Online and/or telephone bank
  • Debit card
  • Credit card
  • Standing payment order
  • E-invoice standing payment order

In saving, investment and pension:

  • Term deposit
  • Target deposit
  • Child`s deposit
  • Reserve deposit
  • Nordea investment funds` shares
  • Indexed bonds
  • Nordea Pensions Estonia III pillar supplementary pension fund shares
  • Single instruments (shares, investment fund shares)

In loan and leasing:

  • Housing loan
  • Reserve loan
  • Renovation loan
  • Idea loan
  • Consumer loan
  • Education loan
  • State-guaranteed study loan
  • Overdraft
  • Nordea Finance Estonia car leasing

In insurance:

  • Nordea home insurance
  • Nordea loan insurance

The standard price list applies to Bronze customers.

As you become a more active user of our banking services, you will be automatically upgraded to the Silver and Gold customer levels and will gain access to the discounts available to the according status.

You may also join our customer programme with your entire family. In that case, the services used by everybody in the family unit will automatically be combined and once the customer level is upgraded, the according benefits will also be available to all family members.

Be sure to read more about the requirements for becoming a Silver or Gold customer.