Hei card
Pay your purchases flexibly in installments that suit you – you can apply for credit from 500,- to 10 000,-. Apply for a Hei card online.
- With the hei card, you can shop at IKEA Finland locations and online at your convenience.
- No annual fee. You only pay an account management fee of 1,50 / month when there is an open balance on the card.
- An average of of 30-day interest-free payment period.
- You can always pay the entire invoice at once, so that you do not accrue interest on your purchases.
- The credit is granted by Ikano Bank AB, Finland Branch.
Read the accessibility statement of the Hei card (statement available in Finnish and link opens to new window)
Considering all the costs of the hei card, the actual annual interest rate for an average credit of 2 500,- is 20.05%. A payback period of 12 months has been used in the calculation (situation 1.7.2025) and does not take into account the interest-free campaign. The account management fee is €1,50 /month. The total amount of credit and credit costs is 2 756 euros. The credit is granted by Ikano Bank AB, Finland Branch
How it works
Evaluate
Make a shopping list and assess your credit needs. Use this calculator to get an estimate of your monthly payment.
Search
Fill out an easy and quick application online (in Finnish). You’ll receive a credit decision once your application has been reviewed.
Buy
Once your credit application is approved, you can shop right away!