Terms, conditions and prices
Prices as of 1 June 2023
Eurocard Gold |
|
| Annual fee | €50 (incl. travel insurance) |
| Family card | €30 |
Other prices |
|
| Removal of deductible for travel insurance | €10 |
| Card renewal during the current validity period (e.g. change of name, replacement card) | €15 |
| Re-order of PIN | €5 |
| Change of PIN (card must be changed) | €10 |
| Express delivery in Finland | €40 |
| Express delivery abroad | €50 |
| Reminder letter | €5 |
| Change of due date | €5 |
| Payment agreement | €15 |
| Change of credit limit | €10 |
| Balance transfer to another card | €10 |
| Balance certificate | €5 |
| Certificate of credit history | €20 |
| Charge for confiscating of the card | €150 |
| Cash withdrawal fees (% of amount withdrawn) | 3%, min €2 |
| Copy of account statement | During current year, per statement: €5. Previous years, per half hour: €50 |
| Copy of receipt | Domestic: €5. Foreign: €10 |
| Acquiring of new customer contact information | €5 |
| Currency adjustment | Non-euro purchases and cash withdrawals are converted to euro by using Mastercard exchange rate added with: 2% plus additional costs charged by Mastercard. |
Information about the applicable interest rate is displayed on invoice/account statement. Information about the annual percentage rate (APR) can be found in the Standard European Consumer Credit Information form.
Terms and conditions
General terms and conditions (pdf)
Standard European consumer credit information (pdf)
Terms for digital receipts (pdf)
Currency conversion from foreign currency to €
When converting from a foreign currency to € or when exchanging currency, the exchange rate received by Eurocard is used. The exchange rate consists of a reference exchange rate received by Eurocard from Mastercard and applicable on the day of the transaction, Mastercard will receive, together with a currency exchange surcharge as stated in the price list. Other reference exchange rates may in exceptional cases be applied.
The credit limit for Eurocard Gold card is 1000–10 000 €. The interest rate for the credit is 3-month Euribor + 7 %. The effective interest rate, based on a credit amount of € 1 500 is 18,69 %. The 3-month Euribor rate (06/2024) has been used for this calculation and the annual fee of 50 € has been taken into account. The total amount due when using the credit amount of 1 500 € to the maximum during a year as well as when the interest rate, payments and fees stay the same, is 1 637,59 €. The agreement is valid for a year at a time unless it is terminated. Additional product specific credit information can be found in Finnish or Finnish Swedish on the page for Prices & Terms and Conditions.