Gold customer

As a Gold customer, you have access to a Personal Consultant, who is your main contact person and reliable partner in organising your finances at our bank. You can enjoy the best fees on everyday banking services and saving, investment and loan products with more affordable and personal terms and conditions. If you bring all your family members` banking to Nordea, then your family members will also be able to enjoy the benefits.

As a Gold customer you are assigned a personal advisor, who will be your partner in important banking issues. Your advisor knows you and considers your needs, giving you access to all the skills and expertise of Nordea. You can set up regular appointments with your advisor to discuss your short and long-term plans. The Consultant`s role is to support you in reaching set financial objectives.

Telephone consulting service

For urgent issues, you can contact our special Gold customer consultation service on 1774* (+372 6 283 300 if you are calling from abroad), which guarantees fast and expert consultation even outside business hours.

* The  charge for calling a short number from a landline per minute is the same as calling a landline from a landline. If you call from a mobile telephone, then the mobile operator`s tariff for calling short numbers applies: from Telia network  0.2278 €/min, from Elisa network  0.30 €/min and from Tele2 network  0.23 €/min.

The prerequisites for reaching Gold customer status in the Nordea customer programme are:

  • Your or your family`s income to a Nordea settlement account is at least 1000€/month* on average over three months;
  • The total sum of your or your family`s saving and investment products exceeds 5000€;
  • You or your family use at least five Nordea banking, leasing, pension and/or insurance products.

Tip: it is easier to qualify with your family!

Nordea is currently the only bank to run a family-centred customer programme – joining as a family means Nordea will consider the total savings and investments and used products needed for qualification together for all family members, and the discounts also apply to all family members. It is easier to get the benefits together!

For you to participate in our customer programme as a family, we need the adult family members to submit a joint written application to the bank.

*The following are not considered income:

  1. income received from the customer`s own account or another family member`s account;
  2. deposit sum and interest received after the deposit term has expired;
  3. income received for realised investment fund shares/indexed bonds;
  4. interest received on the account for on-demand depositing;
  5. credit paid to the customer by the bank.

Reassignment from one customer level to another is automatic, and is based on how actively you and your family use the Nordea bank services. Income received on the settlement account and the total sum of saving and investment products is considered.

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 of 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

Gold customer benefits and discounts:

  • A Personal Consultant to assist you in all important banking issues. Your Consultant knows you, considers your needs and provides you access to all Nordea competencies and expert know-how. By agreeing on a regular meeting with your Consultant, you are able to discuss the most important financial issues to you and find the most suitable solutions to achieve your financial goals.
  • The Gold Customer Support number 1774 is at your disposal 24/7 helping you solve urgent matters providing fast and professional consultation also outside business hours. 

Several banking services are with 30% discount:

  • several cards monthly fee/annual fee
  • housing loan and leasing agreement fee.