When your child is ready for banking services

You can open a PerkAccount and a disposal account as well as apply for a Nordea Electron card and access codes for your child online.

There is no minimum age limit to the services but the parents decide on how old the child must be to be able to use banking services independently. The parents are liable for the use of the services by their underage child.

The guardians decide on the opening of accounts and services for an underage child’s banking together, so the approval of both guardians is needed for the application unless one of the parents has sole custody. The parents decide who has access to the child’s account. 

1.  Please fill in the child’s information and select the banking services for him or her. Banking services that you can open online for a child:
  1. Disposal account and Nordea Electron card 

    Please note that if you order a Nordea Electron card for your child online, a new disposal account will automatically be opened and the card will be linked to this account. If your child already has a disposal account to which you want to link a new card, please order the card by calling Nordea Customer Service. 

  2. PerkAccount for savings

  3. Access codes for mobile bank and Netbank

    Please note that the e-identification with which the child (if under 15 years of age) can log in to third-party services, such as Kela’s e-Services, must be activated in-branch. If a minor visits a branch alone, they will need powers of attorney from their parents. Customers who have turned 15 may activate the e-identification feature required for their online banking codes without their guardians’ permission when they themselves have opened an account and a Netbank agreement for their own income.

2.  One guardian will receive an SMS and confirm the application. The other guardian will need:  
  1. online banking codes of any Finnish bank 
  2. a passport, an identity card with a photo or a driving licence. 
3.  Nordea processes the application and notifies the guardians with an SMS once the services have been opened. 
4.  Activate the code app by logging in to the ‘Open services online for a child’ service and following the instructions in the service.

Open services conveniently online

Open services online for a child