Nordea

Universal bank · Helsinki, Finland

Nordea is the largest bank in the Nordic region, headquartered in Helsinki and supervised by the ECB. It serves more than 500,000 corporate customers in Finland, Sweden, Denmark and Norway, and runs corporate branches in London, New York and Shanghai for Nordic companies abroad. Its Finnish corporate package costs 15.70 euros per month with SEPA transfers at 0.23 euros. The bank reported a CET1 ratio of 15.7 percent at Q2 2026. Danish prosecutors are seeking a 6.6 billion Danish kroner fine in an ongoing anti-money-laundering trial covering 2012 to 2015.

Legal name: Nordea Bank Abp
Regulated by: European Central Bank (SSM), Finnish Financial Supervisory Authority (FIN-FSA), Finansinspektionen (Sweden), Finanstilsynet (Denmark and Norway)
Licence confirmed: yes, on a regulator's own list
Established: 1820
Website: www.nordea.com

Scores, 0 to 10

8.5Financial strength & stability

AA- (S&P), Aa2 (Moody's), AA (Fitch) and CET1 15.7 percent, offset by an unresolved 6.6 billion DKK fine claim. · source

7.5Europe (EU, EEA, Switzerland)

Full-service bank in four Nordic markets with Finland inside the euro area; no retail presence in other EU countries. · source

7.0Cross-border payments, FX and multi-currency accounts

International payments cost a flat 7 euros and the bank clears all Nordic currencies, but FX margins are not published. Transaction banking covers all Nordic countries under one onboarding and runs branches in London, New York and Shanghai. · source

6.5Lowest fees

Corporate package 15.70 euros per month, SEPA transfer 0.23 euros, direct debit 1 euro. · source

6.5Trade, manufacturing & import-export

Trade finance sits inside Transaction Banking with BAFT membership; the network is Nordic rather than global. · source

6.5Business cards (Visa, Mastercard)

Business Visa Debit comes with the Nordea Digital corporate package with extra cards for employees, First Card is the credit card, sales of Nordea Business Mastercard have ended, and card purchases outside the euro carry a 2.5 percent currency supplement. · source

6.5High-risk verticals (iGaming, cannabis, adult, forex)

The 2023 sector guideline for the gambling industry takes gambling customers case by case when they hold local licences, run a financial crime programme in line with local law and show a clean track record. · source

6.0Fintech companies that need a partner bank

Open Banking platform described by the bank as an API factory for partners and embedded finance. · source

5.5Fast digital onboarding

Corporate packages are sold online for Finnish-registered companies; the page offers no non-resident onboarding. · source

5.0Online businesses: e-commerce and SaaS

Offers e-invoicing and SEPA collection inside the Digital package; no acquiring or marketplace payout product is listed. Nordea Open Banking publishes corporate APIs and foreign currency accounts exist, but there are no Stripe-style integrations, no USD receiving account for non-Nordic firms and no revenue-based financing. · source

5.0On-ramp: buy crypto with fiat

Nordea sells no crypto; a 2026 hands-on guide reports transfers to MiCA-licensed exchanges clearing with no crypto cap or blanket block, subject to screening and daily payment limits, but this is retail evidence and no business policy is published. · source

5.0Off-ramp: crypto to fiat in a business account

The same 2026 guide says money returning from an exchange above about EUR 10,000 can trigger a source-of-funds request that exchange statements clear; Nordea publishes no process for business crypto proceeds, so evidence is thin. · source

4.5Startups & VC-backed companies

Business Start package exists but startups get the same 15.70 euro package as other SMEs. · source

4.0United Kingdom

London branch, present over 40 years, serves Nordic corporates rather than opening UK business accounts. · source

4.0United States

New York branch operating since 1979 supports Nordic corporates in North America only. · source

4.0Crypto-friendly bank

Offers a CoinShares crypto ETP to investors since December 2025 but no accounts for crypto businesses. · source

4.0Foreign-owned & non-resident companies

Accounts are opened online or by phone by a representative who holds Finnish personal online banking codes; the FAQ gives no path for companies registered abroad or owners without Finnish e-identification. · source

3.5Best interest on business balances

The corporate tariff lists account management fees but no credit interest on payment accounts. · source

3.5Bitcoin

Since December 2025 customers can buy a CoinShares bitcoin ETP execution-only, which is price exposure without coins, and CoinShares describes the rollout as aimed at retail investors; no bitcoin custody or transfers exist. · source

3.0Customer satisfaction

Trustpilot scores are 1.3 for Nordea Suomi and 1.6 for Nordea Sverige. · source

3.0Ethereum

A February 2026 Finnish trading-site report says Nordea customers get bitcoin and ether price exposure through CoinShares ETPs in their online bank, but Nordea's own announcement names only bitcoin, so ether exposure is ETP-only and thinly documented. · source

2.5Stablecoins (USDC, USDT and others)

Nordea joined the Qivalis bank consortium in May 2026, which plans a MiCA euro stablecoin in the second half of 2026 pending Dutch central bank authorisation; nothing is live and Nordea offers no stablecoin service today. · source

1.0Crypto wallet and custody for a business

Nordea holds no crypto for any client: its only crypto product is a synthetic CoinShares ETP in execution-only investment accounts, and Netbank and the business pages offer no wallet or custody, checked September 2026. · source

1.0Accept crypto payments

No merchant crypto or stablecoin acceptance was found in Nordea announcements or guides; the bank's crypto move is limited to the ETP, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.