Terms, conditions and prices
Prices as of Dec 13, 2024
Terms and conditions
General terms and conditions (pdf)
Standard European consumer credit information (pdf)
Terms for digital receipts (pdf)
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| Cash withdrawal fees (% of amount withdrawn) | 3%, min €2 |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.
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 17,67 %. The 3-month Euribor rate (12/2024) 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 1 630,60 €. 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.