Nordea Bank

2016-08-12 00:00:00:

Joint Stock Company "Nordea Bank" is included in one of the largest financial groups in Western Europe Nordea (the parent company is located in Stockholm). This corporation ranks 48th in terms of authorized capital. International rating agencies rate Nordea as a reliable and promising bank.

Subsidiaries of the corporation operate in the Scandinavian countries and the Baltic states. There are also in Russia. There are more than 700 branches and departments in total. The clients of the financial group are more than 10 million individuals and legal entities.

In 1994, Nordea Bank offered its services to Russian citizens. Now it is one of the most popular banking organizations. The company is one of the thirty largest financial structures of the Russian Federation. Its client base includes more than 3 thousand corporate clients and about 30 thousand individuals.

The company was awarded the National Banking Prize in three categories (2012, 2013 and 2014)

Online banking

Nordea Bank is a modern financial organization that uses the latest technologies in the provision of banking services. Thanks to online services, the company's customers can make payments from any computer.

Nordea online is equipped with a clear interface (available in Russian and English), a full range of functions and a reliable security system. A person who does not have special skills in working on a PC and on the Internet will be able to connect the service. The system is completely free to use.

By making financial transactions online, users of the virtual bank can save on commission fees: on certain days, no commission is charged for money transfers and payments.

There are many opportunities for online banking customers. Through the service, they can:

• view the status of accounts and transactions;
• transfer money (various types of transfers are available: in rubles and in foreign currency, intra-system and interbank, to accounts of individuals or individuals);
• exchange currency;
• receive financial reports;
• block or unblock plastic cards;
• perform operations on deposits (open / close, replenish, transfer finances, etc.);
• pay for purchases and services (housing and communal services, mobile operators, TV providers, educational and medical institutions, etc.);
• receive information about the status of loans;
• carry out operations related to credit products (repayment of debt, setting up automatic payment, filing an application for early payment of a loan, etc.);
• create templates and set up payments automatically.

The online banking service can work both on a desktop computer and on a portable one.

The company's customers also have access to mobile applications designed specifically for smartphones. By visiting the website of Nordea Bank, you can download the program for your mobile phone.

Payment cards from Nordea Bank

The financial institution Nordea Bank issues its own plastic cards. Payment documents provide their owners with unique opportunities in the form of discounts, bonus points, preferential lending conditions, and so on.

1. VISA Gold, MasterCard Gold. This product belongs to the premium class. Cardholders can use the My Transactions service free of charge. When paying with a card in partner stores, the client receives a discount on goods. These payment documents are accepted in all countries. With their help, you can withdraw cash or pay for services anywhere in the world.
2. VISA Classic, MasterCard Standard. These payment documents are very popular. They provide discounts and the opportunity to take part in promotions held by MasterCard and VISA payment systems. Thanks to the card, you can book a car or a hotel room, pay for goods purchased in a virtual store.
3. VISA Electron Maestro. These are international cards. They allow you to make non-cash payments, transfer money to accounts of third-party users, remotely manage accounts through a virtual banking system.
4. VISA Virtual, MasterCard Virtual. Virtual cards from Nordea Bank differ significantly from similar products offered by other banking organizations. They not only allow you to conduct financial transactions online, but also receive "live money" through ATMs and cash points.
5. VISA Platinum is designed for status clients. This is an international card. It provides unique opportunities and privileges: access to VIP lounges, airport transfers, medical or legal support, and more.

Lending products

Financial organization "Nordea Bank" provides all types of services related to lending. Here you can apply for a mortgage, get a loan to purchase a vehicle or take a consumer loan.

Mortgage

A mortgage is a targeted loan intended for the purchase of housing. Nordea Bank offers several mortgage programs.

1. "Classic". By providing a deposit, the client can purchase any type of housing: an apartment in a new building, resale property, a room in a communal apartment, a private house, etc. A loan can be issued in domestic or foreign monetary units. The bank lends up to 1 million euros. The interest rate will be 11%. The term of the loan is up to 30 years. When applying for a loan, the client must make an advance payment - 10% of the total amount of credit funds. You can repay the mortgage in an annuity or differentiated way.
2. "Target". To obtain this type of loan, the borrower must pledge the existing property as collateral. Funds can be used solely to purchase or build new housing or improve living conditions. The client will receive up to 1 million European banknotes (or the equivalent in another currency). Interest rate - from 11%, loan term - up to 30 years. Early repayment of the loan is possible (commission and penalties are not provided).
3. "Share". This type of lending involves investing in real estate, which is being built by the bank's partners (developers NCC and YIT). No collateral is required to obtain a loan. However, an initial payment of 10% of the loan amount is required.
4. Refinancing. This loan is used to repay loans from other financial institutions or to change loan conditions to more favorable ones. The interest rate will be 13% per year.

You can learn more about the conditions of mortgage lending offered by Nordea Bank by visiting the official website of the organization.

Consumer loans

The bank also provides consumer loans, which can be used to purchase goods (clothes, furniture, household appliances, etc.), pay for services (medicine, healthcare), improve living conditions (repair in an apartment), and so on. The borrower can take a loan from 640 euros.

The company has certain requirements for borrowers:

• loans are issued to adult citizens not older than 70 years;
• the monthly income of the borrower must be at least 500 euros (ruble equivalent);
• people who are not bank customers can also receive a loan, however, at the time of the loan agreement, salaries or pension benefits must be transferred to accounts opened with Nordea Bank;
• consumer loans are issued for up to 5 years.

Early repayment of loans is provided. In order not to pay a fine, the client must apply in advance to the bank to be allowed to pay the debt before the end of the contract.

Services for entrepreneurs

Nordea Bank provides a range of services that can facilitate business.

Cash management

The Cash Management service is aimed at international and domestic enterprises that have a wide network of branches and a large number of counterparties. Thanks to the service, you can:

• to increase several times the efficiency of working capital;
• optimize liquidity management;
• create a payment scheme according to the characteristics and needs of the company;
• manage all bank accounts of the enterprise.

"Bank-Client"

"Bank-Client" is a remote service. It is very popular among the leaders of organizations, because it saves time, effort and even finances. With the help of "Bank-Client" you can create financial reports and other types of accounting documentation.

The system allows you to exchange documents online. The user can send a report, act or contract to his partner, who is located in another city or country. The message will be delivered within a few minutes. The main condition is a computer and Internet access.

Financial transactions can also be carried out through the "Bank-Client" system.

The server is equipped with modern security mechanisms that prevent the leakage of personal and payment data of users.