Nordea First Card is moving to OpenCard

🔍 What is happening?

Nordea has modernized its card platform and is phasing out the older integrations. OpenCard becomes the platform that delivers all First Card transactions. All providers of expense and travel systems have to make the same move.

	Before	After
Transaction delivery	Nordea's older integration	OpenCard
Your cards	Work as usual	Work as usual
Integration fee	Nordea invoices you	Nordea invoices Expense, which re-invoices you
Action from you	–	None for most companies

👉 Applies to: administrators in companies that use Nordea First Card company cards with Expense.

✅ What does it mean for you?

💳 The cards are not affected and work as usual
⚙️ Expense handles the move in the background
📊 Transactions arrive more evenly and with more complete information
🔄 Fewer discrepancies and less manual correction

👉 If you get new OpenCard cards, import them as described in Activate new OpenCard cards.

💰 New handling of the integration fee

	Before	Now
Who invoices you	Nordea	Expense
Price	SEK 500 per card per year (1–9 cards), SEK 400 per card per year (10–20 cards)	About SEK 32 per card per month + any bank fees

For most companies, the total cost stays about the same. The model applies to all providers that use OpenCard. You will get separate price information with all the details.

🚀 Real-time transactions – on the way

Over time, OpenCard makes it possible to deliver transactions in near real time:

💳 Card purchases show right away
📷 Receipts can be matched right after the purchase
📊 The expense report can start straight away

The feature is under development. We will tell you more when there is a timeline.

🎥 Watch the webinar about OpenCard (in Swedish)

The webinar and the presentation are in Swedish. In the webinar, we go through the background, how OpenCard works, the fee change, the timeline and what you need to do.

👉 Watch the recording · Download the presentation

❓ Frequently asked questions (FAQ)

Do we need to do anything before the move?
No. For most companies, the transition happens automatically and Expense handles it.

Will our cards work as usual?
Yes, the cards are not affected.

Why is the fee model changing?
Nordea has moved to OpenCard, and the new fee model applies to all integration providers.

When will real-time transactions come?
The feature is under development. We will tell you more when there is a timeline.

✅ Summary

💳 Nordea is moving First Card transactions to OpenCard
⚙️ Expense handles the move and the cards work as usual
💰 The integration fee is now invoiced by Expense
🚀 Real-time transactions are coming over time

🤝 Need help?

Do you have questions about the move, the fee or the card integration? Contact Expense Support and we will be happy to book a meeting.