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Finnair Visa Credit

PRICE LIST 1.6.2022

Cards

Finnair Visa Credit / month € 6.00

Parallel card / month € 2.50

Cash withdrawals

With a card in the Single Euro Payments Area

Cash withdrawal from a credit account denominated in euro € 2.00 + 3% of the amount

Other foreign currency cash withdrawals from the credit account € 2.00 + 3% of the amount

Cash withdrawals upon purchase (merchant may charge a separate fee) With
Finnair Visa Credit card € 2.00 + 3% of the amount

K-food stores and R-kiosk

With a card outside the SEPA Cash withdrawal by

credit card from a credit account € 2.00 + 3% of the amount

Purchases made in a currency other than euros with a debit card will be converted into euros at the wholesale exchange rate
used by Visa International, plus a currency surcharge of up to 2.75%. The rate is determined by the date on which the transaction
is transmitted from the receiving credit institution to Visa International.

Card - related payments

Re-order your custom PIN € 10.00

Displaying your own optional PIN in the Finnair Visa application € 5.00

Re-ordering the PIN via the system € 10.00

Displaying a PIN ordered through the system in the Finnair Visa application € 5.00

Courier delivery of the card abroad, will be debited from the credit account € 60.00

E-invoice € 0.00

Credit card invoice in paper / pcs (cardholder's online banking agreement) € 3.00

Invoice copy € 5.00

Resend invoice € 5.00

Tax reminder € 5.00

Card withdrawal fee € 120.00

New card to replace a lost or broken card € 10.00

New card due to name change € 10.00

Aktia Bank plc 00101 Helsinki Business ID 2181702-8

PL 207 Tel. 010 247 050 www.aktia.fi
 Finnair Visa Credit
PRICE LIST 1.6.2022

Change in installment rate or free months € 0.00

Credit limit change € 0.00

Written statement of credit account transactions according to the hourly

rate, however at least € 20.00

Refund of the excess balance requested from the card's credit account € 30.00

Processing an undisclosed payment to the card's credit account € 20.00

Emergency cash service abroad € 10.00 + 3% of the amount

Charges for using the credit feature

-Reference interest rate The current reference interest rate value is available at the bank's locations and on the
bank's website. Euribor 3 months

-Margin 10.00%
-Credit limit € 2,000 - € 20,000
-Account management fee / invoice € 3.90
The billing period for a card credit account generally ends on the 13th day of the month when the last day of the month is
selected as the due date of the invoice and on the third last day of the month when the 15th day of the month is selected as
the due date.

For the credit feature of the card, the actual annual interest rate and the total amount of credit and credit costs payable
are calculated assuming a credit amount of EUR 2,000, a credit period of one year and a full drawdown, the credit
interest and fees remain the same throughout the credit period in installments every month. The interest rate on the
loan is 3-month Euribor + 10.0%, the account management fee is EUR 3.90 / invoice and the monthly fee is EUR 6. The
effective annual interest rate is 20.86% (calculated 01/2022, 3-month Euribor -0.57%) and the total amount to be paid is
EUR 2,211.07 with the above assumptions. The interest rate used in the example calculation is based on a
representative calculation of the loans granted.

Aktia Bank plc 00101 Helsinki Business ID 2181702-8

PL 207 Tel. 010 247 050 www.aktia.fi