Pankkikortteihin

Pankkikortteihin refers to the various cards issued by banks for conducting financial transactions. In Finland, the most common types are the debit or maksukortti, the credit card or luottokortti, and the prepaid card or pre-paid kortti. Debit cards take money directly from the holder’s checking or current account, while credit cards allow credit up to a pre‑determined limit. The prepaid card is loaded with a set amount of money and cannot exceed that balance.

The majority of modern bank cards are equipped with an EMV chip and a contactless radiofrequency identification (RFID) tag, enabling fast and secure field transactions. Cardholders enter a four‑digit personal identification number (PIN) for point‑of‑sale purchases, while online transactions normally use electronic signatures or one‑time passwords (OTP) sent via text or an authenticator app. Contactless limits, usually €30–€50, are automatically applied to reduce fraud risk.

When used in Finland, card payments are accepted worldwide, and the Mastercard and Visa networks provide global coverage. However, some merchants may still prefer cash or require a specific card scheme. Security measures such as magnetic stripe lockouts, transaction limits, and real‑time fraud monitoring help protect users. Card issuers also offer customer service for lost or stolen cards, instant blocking, and replacement services.

Overall, pankkikortteihin offer convenient, flexible, and increasingly secure means for everyday payments, savings transfers, and accessing electronic banking services.