Silver customer

As a Silver customer, you mostly save on your everyday banking services and have access to savings, investment and loan products at better terms.

It is easier than ever before for Silver customers to be upgraded to the Gold customer level.

As a Silver customer, you mostly save on your everyday banking services and have access to savings, investment and loan products at better terms.

In order to reach the Silver customer status in Nordea’s customer programme you must meet the following requirements:

  • Your or your family’s average monthly income to a Nordea current account over the course of three months is at least 1,000 euros*;
  • Your or your family’s total savings and investments exceed 2,000 euros;
  • You or your family use at least three of Nordea’s banking, lease, pension and/or insurance products.

Tip! It is easier to qualify as a family unit.

Nordea’s customer programme is family oriented – if you join the customer programme as a family unit, the total sums of your savings and investments, as well as products used will be combined when evaluating whether you meet the requirements of a particular customer level. Furthermore, the benefits will also apply to everyone in your family unit. It is easier to qualify together!

An adult family member must submit a joint written application to the bank in order to be included in the customer programme as a family.

*The following are not considered income:

  1. Income received from the customer`s own account or another family member`s account;
  2. A deposited sum and interest received upon the expiry of a deposit;
  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.

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

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

15% discount on several banking services:

  • The monthly fees of a number of bank cards;
  • The contract fee for loan and lease contracts.