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Sustainable Choices


To support our customers in addressing climate change and other sustainability issues in their financing, Nordea offers a range of sustainable finance products and services. 

Being committed to meet the needs of our customers’ respective needs and levels of maturity, we offer products and services that are geared towards both our household customers and our corporate and institutional customers. 

Our green financing products follow the criteria of the Nordea Green Funding Framework (August 2022) based on the Green Bond Principles published by the International Capital Markets Association.


reduction in financed emissions from business loans, motor vehicle loans and residential real estate between 2019 and 2022.

In total. Figures from Nordea Annual Report 2022.



We offer a variety of investments in environmental, social and governance (ESG) focused products according to EU SFDR and our own internal Sustainable Choice framework to our customers. Sustainable Choice includes selected SFRD 8 and 9 classified funds. The range of procucts is growing to meet demand. The scope of investments in ESG focused products will continue to develop as the market matures and new funds or funds that have been converted are added.

Which products qualify as a Sustainable Choice?

The heart symbol is Nordea’s own navigation tool that helps you find products that we have assessed and selected based on our rigorous ESG criteria. We do not simply rely on external ratings or other product labels, instead we do our own assessment of both the products and the product managers behind them. ​

Examples of things we require from selected products: ​

  • Exclude controversial companies and those that work against sustainable development (E.g., weapons, tobacco, gambling, pornography)​.

  • Utilize ESG information as a decisive factor in investment decisions. (E.g., Consider companies negative impact on- and positive contribution to the environment and society, compliance with international norms, biodiversity risks, and aim for net-zero emissions).​

  • Perform proactive dialogues and voting and join international engagement collaborations to influence investee companies in a more sustainable direction​.

Where to find the symbol?

The symbol is featured on our local websites where we list our investment options. 

The choices that can matter

Green corporate loans

Green corporate loans are used to finance specific investments with environmental benefits and enable our corporate customers to address climate change in their financing. In our green loans, the entire financing chain is green; that is to say, we use sustainable market funding, the proceeds of which are earmarked for green lending.

Green mortgages

Our green mortgage is a product for customers who live in climate-smart homes that fulfil criteria relating to energy classification of buildings in the countries where green mortgages are available. Green mortgages are aligned with the European initiative’s definition for Energy Efficient Mortgages (EEM).

Sustainability-enhanced pensions

Pension savings are long-term investments aimed at creating a better future for the individual, and are therefore well-suited to having a sustainable focus. Sustainability-enhanced pensions consist for instance of sustainability-enhanced funds – such as the Stars Funds – or direct investments in private equity and real estate. The common denominator is that all investments have a proven level of sustainability and are eligible for the Sustainable Choice symbol.

Sustainable bonds

Sustainable bonds – i.e. green, social and sustainability bonds – are any type of bond instrument with proceeds earmarked for eligible environmental and/ or social projects.
We work with green and sustainable bonds in two different ways. Firstly, we issue our own green bonds, the proceeds of which are earmarked for customer loans with environmental benefits and that mitigate climate change.
The projects are typically aimed at renewable energy, pollution prevention, sustainable water management and sustainable agriculture. Secondly, we serve as the intermediary between our customers as issuers and investors, by helping them to issue, or invest in, green bonds via the capital markets.

Sustainability-enhanced funds

We have created several funds with a special sustainability focus – for example the Stars Funds and the Global Climate and Environment Fund. The Stars Funds are a set of funds with handpicked companies that, in our opinion, have well-managed ESG profiles. The selection is made through a combination of ESG analysis, company dialogues, thematic research, engagement and field trips. The Global Climate and Environment Fund invests in companies which, through their climate solutions, are changing the world for the better. It focuses on businesses operating in resource efficiency, environmental protection and alternative energy.

Green car loans/leasing

Green car loans for household customers and green car leasing for corporate customers are offered for financing cars that run 100% on electricity.

Offerings in your country


Find out more one about green mortgages and funds with a sustainable focus. 

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Find out more one about green car loans and funds with a sustainable focus. 

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Make a sustainable investment choice here. 

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How you live, spend and save can make a difference. 

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Giving sustainable advice

All our customers should have all the information they need to make decisions about their finances. We firmly believe that we must fully understand our customers’ individual needs and ambitions before offering them any service, advice or product. Therefore we offer advice. 

In our sustainability policy we commit to:

  • enhancing our competence and knowledge regarding environmental, social and governance aspects of relevance to advice in relation to our products and services.
  • improving our advice in a way that enables our customers to make informed decisions on environmental, social and governance aspects of relevance to our products and services, and being transparent in such aspects.
  • increasing the integration of existing and emerging environmental, social and governance aspects relevant when developing advice related to products and services.