Questions and answers

  • Where is my Eurocard accepted?

    Eurocard is part of the Mastercard network. This means that your card is welcomed all over the world.

     

    Not sure whether you can use your card or if you can withdraw cash at your travel destination? A worldwide list of ATMs that accept Eurocard can be found on the Mastercard website.

  • What are contactless payments?

    When making a purchase, you hold your card close to the payment terminal, and you do not need to insert the card into the terminal. Your card is provided with the contactless payment facility if it carries the contactless payment symbol.

    nfc-symbol

    When there is the contactless payment symbol at the payment terminal, you do not have to insert the card into the terminal - just hold your card close to the payment terminal.

    For purchases exceeding 25 euros, you need to enter your PIN code, and for purchases that cost less than 25 euros you can make a contactless payment.

  • How do I make a contactless payment?

    You just need to hold your card close to the payment terminal.

    • When making a purchase, you hold your card close to the payment terminal and wait for the beep. The beep confirms that the transaction is complete.
    • You can make a contactless payment for purchases that cost less than 25 euros, and you do not have to enter your PIN code. As an extra security measure, the payment terminal may occasionally ask you to enter your PIN code.
    • If you have several cards that are provided with the contactless payment facility in your wallet, you need to hold close to the payment terminal only the card you want to use for making the contactless payment."
  • How do I activate the contactless payment facility on my card?

    If your card is provided with the contactless payment facility, it is automatically activated when you pay with your card for the first time, by inserting the card into the payment terminal and entering your PIN code.

    If you do not want your card to be provided with a contactless payment facility, please contact us at Customer service.

  • What is a digital wallet?

    "It can be an application in your mobile phone, smart watch, tablet or computer, keeping track of your card as you are shopping in a store.

    You can choose which card you mostly like to pay with and keep it on top of the stack in your digital wallet. You can always decide which card you want to pay with."

  • Is it better to pay in local currency or in euro when abroad?

    When you are abroad you might be asked if you want your card to be charged in euro. We recommend that you decline and pay in local currency. The exchange rate used by the vendor is usually less favourable than the rate used by Eurocard.

     

    Here you can find updated information on exchange rates

  • Can I withdraw cash at currency exchange offices?

    Yes. Withdrawing currency is treated like cash withdrawals and a fee is added. For more information, please see our price list and terms and conditions.

    Terms and prices Eurocard GoldTerms and prices Eurocard Corporate Gold 

  • Can I restrict the use of my card abroad?

    We want to offer our customers as secure and straightforward services as possible. We do not offer this possibility at the moment, but we are monitoring the development in this sector. As our customer you are always protected from financial losses as long as you have not been careless with your card.

 

  • How can I improve security when making online purchases?

    When you pay with Eurocard rather than a card linked to your bank account, you can check all your transactions before you pay the invoice.

     

    General security guidelines when making online purchases:

    • Fill in your card number, your codes or other personal information only when making a purchase online.
    • The CVC is a three-digit security code to the right of the signature field on the back of your card. You will need the code when making online purchases.
    • You can also log in to My Eurocard and choose if your card should be open or closed for online purchases
    • Many vendors provide security information on their websites.
    • Contact us to dispute any incorrect transactions charged to your card. Read more about making cardholder dispute
  • I am trying make an online purchase, but it is being declined?

    We have introduced a new safety barrier for online purchases, meaning that for some online stores you need to manually open your card in order to make a purchase. This is to protect you as a customer from fraud.

     

    For smoother future online purchases it is important that we have your mobile phone number. This way, if a payment has been stopped when you have tried to make a purchase in a store that hasn’t been classified as safe by us – you will receive a text message. By answering the text message you can open your card for online purchases for one hour. You then need to re-do your purchase.

     

    The next time you would like to make an online purchase, you can send the text message in advance to open the card for one hour.

  • Can I close my card for online purchases?

    Yes, if you have one of our private cards you can choose to close your card entirely for online purchases by logging in to My Eurocard and manage your settings under Card Services/Purchase settings. The option to close entirely for online purchases is not available for corporate cards.

     

    Regardless of what card you have, we recommend that you keep the default setting; Safer online purchases. Your card will then always be open for purchases on websites with Mastercard Identity Check and for subscriptions like Spotify and Netflix. Other purchases may be denied.

     

    If your purchase should be denied, you will receive a text message with information on how to open the card for this specific purchase. So make sure that you have your phone close at hand and that we have your current mobile number registered on My Eurocard. The card will then be opened for 1 hour so that your purchase can be completed.

     

    As a customer you are always protected against financial losses – regardless if you have chosen to open your card permanently or just for a little while – as long as you haven’t been negligent with your card and you have handled it according to the terms and conditions.

  • What is the easiest way to open my card for online purchases for an hour?

    Your card will always be open for purchases in online stores affiliated to Mastercard Identity Check and for your subscriptions (eg Spotify, Netflix, etc.).

     

    For other online stores you may need to manually open your card to make a purchase. The easiest way is by answering the text message, that is sent to you automatically, if a purchase is stopped by us. Or you can open your card for online purchases in advance by logging in to My Eurocard.

     

    The easiest way to open your card for online purchases (pdf)

  • Why am I receiving text messages from you without shopping online?

    It could be a purchase you have made where the store is trying to make the transaction later. It could also be a fraudulent attempt to use your card. Contact Customer Services and they will help you.

  • Where is my card accepted?

    Associated with Mastercard network, Eurocard is accepted at stores and webshops worldwide. All stores that present the Mastercard logo on their websites accept payments with Eurocard.

  • What is a digital wallet?

    It can be an application in your mobile phone, smart watch, tablet or computer, keeping track of your card as you are shopping in a store.

     

    You can choose which card you mostly like to pay with and keep it on top of the stack in your digital wallet. You can always decide which card you want to pay with.

  • What is Mastercard Identity Check?

    Mastercard Identity Check is a global security service which many online retailers use for making online payments more secure. When shopping online, you need to confirm your purchase either by using a netbank id or a one-time password sent to you as SMS.

     

    If you do not have a netbank id yet, please contact your local Finnish bank.

     

    Log in to My Eurocard and check that you have registered your correct mobile phone number under your contact information.

  • What is a digital wallet?

    It can be an application in your mobile phone, smart watch, tablet or computer, keeping track of your card as you are making purchases.

    You can choose which card you mostly like to pay with and keep it on top of the stack in your digital wallet. You can always decide which card you want to pay with.

    There are also merchants which have payment applications of their own, and you can connect them to your Eurocard.

    New digital wallets can be used for payments worldwide. However, if you are required to insert your card into a payment terminal, which is typical of vending machines at e.g. service stations and car parks, you cannot pay with a mobile device.

  • How can I use my mobile device for paying with my card?

    In order to be able to pay with Eurocard in your mobile device you just need to connect your card to a payment application/service that is available for you to download in e.g. App Store or Google Play.

    Download the app and follow the instructions to save your Eurocard information.

    You can make a payment this way:

    • Hold your mobile device close to the payment terminal.
    • You can see the sum on your mobile device, and you can confirm the purchase by touching the screen or by entering the PIN code you have chosen.
    • The purchase is added to your invoice, as usual.
  • How safe is it to pay with card using a mobile device?

    As a customer you are always safe from the risk of losing your money, as long as you are careful with using your card.

    Read more about safety and cards

  • What should I do if it is not possible to pay with a mobile device?

    If your card has not expired and your card has not been blocked, it is likely that the problem is caused by a failure in the store's payment terminal or payment application.

    If the problem persists, please contact us so we can help you.

  • What is Fitbit Pay?

    They are payment methods that enable contactless payments in store with smart sports watches.

    To get started you need to make sure that your mobile phone number is registered at Eurocard. This is easily done in the Eurocard app or on My Eurocard.

    Next you download the manufacturers’ app (Fitbit) from App Store and manage the settings for your card payments directly in the app.

    You can pay with any card from Eurocard. And you can register both private and corporate cards in both apps.

    Do you have any further questions? Please contact Fitbit for more information.

  • Can I choose my PIN code myself?

    Yes, as a Eurocard customer you can choose your PIN code yourself.

     

    To change your PIN code, call customer service and remember to have your card at hand during the call.

    N.B. For security reasons we cannot receive card information by e-mail.

     

    We will then send you a confirmation letter by post telling you how to choose your PIN code. You then have 10 days following receipt of the letter to choose a new PIN code.

  • My PIN code is locked. What can I do?

    If you have forgotten your PIN, it's not necessary to order a new card. Call customer service and we will help you. Keep your card at hand during the call.

    N.B. For security reasons we cannot receive card information by e-mail.

  • What is My Eurocard?

    When you log into My Eurocard you can:

    • check your balance, your purchases, your invoices and receipts
    • update your personal information
    • export your transactions to Excel to make a budget or administer your expenses reports

    Log into My Eurocard by using a one-time password.

    Problems logging in? Check the frequently asked questions section or contact customer service, and we will help you.

  • How can I view my invoices?

    Do you want to see your balance or your transactions before your invoice arrives? To get up to date, log onto My Eurocard or download the Eurocard app.

  • Where can I see the receipts for my purchases?

    All of your receipts for purchases are saved by the store, but not by Eurocard. However, there is a new feature in the Eurocard app that enables you to save your receipts digitally – so they are always at hand in your smart device.

  • What is the due date of my invoice?

    The due date of your invoice is the last day of the month. If the last day of the month is a Saturday, Sunday or another holiday, the due date of the invoice is the following weekday.

    Contact customer service if you need more time to settle your invoice.

  • How can I get more time to pay my invoice?

    Contact customer service if you want to change your due date or if you need more time to pay your invoice.

    Our corporate customers can get up to 55 days to pay their invoice. Please refer to our corporate price list for more details.

  • Can I get an electronic invoice?

    By signing up for electronic invoices you are free of the hassle of paper invoices and you don't need to enter account and reference numbers. The invoice is sent directly to your online bank and is stored for two years. It makes your life easier – and it's good for the environment.

    For more information, please contact your bank.

  • To which bank account number can I pay my Eurocard invoice?

    You can only use SEB´s bank account number:

     

    IBAN: FI7833010001107655

    BIC: ESSEFIHX

     

    Remember to include the reference number in your payment.

 

  • Can I pay my invoice in instalments?

    As a Eurocard private cardholder you can choose to pay your invoice in instalments. If necessary, you can apply to increase your credit limit. This also applies to purchases made with a family card.

  • What is a credit facility and credit limit?

    Your Eurocard private card has a credit facility which allows you to pay your invoice in instalments. Apart from interest, Eurocard does not charge any other fees for paying your invoice in instalments (e.g. account management charges). You only pay interest for months when you don't pay your invoice in full.

    You can apply for a credit limit, i.e. the upper instalment limit, between
    1 000 and 10 000 euros (at most 10% of your annual income).

     

    Remember that your Eurocard still has no pre-set spending limit on the card.

  • How can I start paying in instalments?

    Eurocard private cards have a credit facility. If you want to change your present credit limit please fill in the application.

    Application (pdf)

  • How much do I have to pay each month?

    When you as a Eurocard private cardholder receive your invoice each month you can choose yourself whether to pay the whole invoice, the minimum instalment or an amount of your choice between the two. The minimum instalment, i.e. the minimum amount to be paid, is always stated on the invoice. If you want you can always pay the entire invoice.

     

    The minimum instalment is 3% of the invoice total or at least 30 euros, as long as the invoice total doesn't exceed the credit limit, i.e. the upper instalment limit. If the invoice total exceeds the credit limit, this amount is then automatically due for payment.

    Example:

    If your cards credit limit is 2000 euros, but your transactions total 2500 euros, your credit facility covers 2000 euros of the invoice total. This means that you need to pay at least 560 euros (€2000 x 3% = €60 plus €500, i.e. the amount in excess of the upper instalment limit).

     

    If the invoice total is 2000 euros, the amount due is at least 60 euros (€2000 x 3%).

  • What does it cost to pay in instalments?

    Apart from interest, Eurocard does not charge any other fees on a credit limit, such as monthly account management charges. You only pay interest for months when you don't pay your invoice in full.

    Read more about the card charges and the effective annual interest rate when you use the credit facility.

     

    Read more about partial payments

    Standard European consumer credit information (pdf)

  • How do I change my contact details?

    If your name or address details change in the population register, we are notified of your new details automatically. Contact us if the changes mean you need a new card.

     

    If you want to notify us of a different billing address, log onto My Eurocard and send us your address details using the message function. Alternatively, write to us (remember to sign your letter) at:

     

    Eurocard
    SEB Kort Bank AB, Helsinki branch
    POB 1085
    FI-00101 Helsinki

     

    You can see and update the phone number and e-mail address you have given us in My Eurocard. Keep your contact details up to date so that we can contact you if necessary.

  • What do I do if I lose my card?

    If you have lost your card, it should immediately be blocked. If you have access to BankID you can block it yourself by logging in to Mitt Kort.

     

    Call us anytime to block your card. Our card blocking service operates 24/7 on: 0800 155 777 (+358 8 0015 5777 from outside Finland).

     

    Remember to report a lost card to the police too. If your card is lost abroad, try to notify the police locally. Otherwise, make a report as soon as you return to Finland.

     

    If you notice that your card has been used to make unauthorized purchases or cash withdrawals, you can file a dispute.

  • How does Eurocard work with safety?

    It is important to us that you feel secure when you use your card. Everyday, millions of card transactions take place in stores and online. It is very rare for anything to go wrong or for a customer to be subject to fraud.

     

    But if something should happen, you should know that as a Eurocard customer, you are always protected against financial losses – as long as you have not been careless with your card.

     

    Eurocard constantly strives to maintain high security. We do this by monitoring abnormal transactions around the clock. We have extensive experience and excellent procedures in place to manage suspected card fraud, and we take swift action to minimise the damage.

  • What should I know about card security?

    Here are a few tips for card security:

    • Your card is valuable – always look after it carefully.
    • Be particularly vigilant if someone distracts you when you are paying or at an ATM.
    • Don't reveal your PIN code to anyone.
    • Always check the amount before approving a purchase. Once you have keyed in your PIN code, you have approved the purchase.
    • Check your invoice against your receipts to make sure that the amounts match.
    • Don't communicate your card number, codes or other personal information by e-mail or sms.

     

    Block your card immediately if it is lost or stolen. Call: +358 8 0015 5777 (open 24/7).

     

    The banks in Finland also have a card security website.

  • What does phishing mean?

    Phishing means attempts to gain sensitive information, e.g. by telephone or e-mail. Usually you are asked to provide your card number and/or PIN code. Never reveal details of your card to third parties.

     

    We never enquire sensitive information, such as card numbers or PIN codes, by telephone or e-mail.

  • What does skimming mean?

    Skimming means copying payment and credit card information. The information on the magnetic strip is copied and the PIN code is recorded using a hidden camera located close to a payment terminal or ATM. This is why it is important to shield your PIN code with your hand.

     

    With chip payments, only part of the card is inserted into the terminal, so the information in the magnetic strip cannot be copied. In such cases skimming is not possible.

Open and close your card for online purchases

More on how to increase safety for shopping online

Save your receipts in our app

No more lost receipts. Use our app to scan and save your receipts. Smooth and simple. Download or update the app now!

Read more here

Pay the way you want

New technical solutions have paved the way for new seamless ways of paying, to meet your needs.

Read more about digital payments

Local currency please!

When you are abroad, we recommend that you choose your card to be charged in local currency, since the vendors’ exchange rate is usually less favorable than the rate we use.

More tips and advice before you travel