Silver customer

As a Silver customer, your benefits are mostly related to savings you gain by using everyday banking services and better terms for saving, investment and loan products.

We have designed our customer system so that it is easy for our Silver customers to upgrade to Gold customer status.

As a Silver customer, your main benefit is lower costs for using our everyday bank services and better conditions for saving, investment and loan products.

The prerequisites for Silver customer status in the Nordea customer programme are:

  • Your or your family members` income on 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 2000€;
  • You or your family use at least three Nordea banking, leasing, pension and/or insurance products.

Tip: it is easier to join as a family!

Nordea's customer programme is family-centred – 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.


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

Several banking services are with 15% discount:

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