Bank statement decoder
Software & security

What is NORDVPN or TEFINCOM on my bank statement?

This is a NordVPN subscription charge — TEFINCOM is the registered company that operates NordVPN.

NordVPN — VPN subscription

✓ Legitimate charge

NORDVPN or TEFINCOM on your bank statement is a charge for a NordVPN subscription. NordVPN is one of the most widely used VPN (Virtual Private Network) services globally, used for online privacy, security on public Wi-Fi, and accessing geo-restricted content. TEFINCOM S.A. is the Panama-incorporated company that operates NordVPN — which is why the charge may appear under that name.

NordVPN typically sells plans on a 1-year or 2-year basis with a heavily discounted introductory rate. When the plan renews, the price reverts to the standard rate — which is considerably higher than the promotional price. This is a very common reason people don't recognise the renewal charge or find it higher than expected.

The 30-day money-back guarantee means you can get a full refund on a new subscription within the first month — useful if you signed up and forgot about it, or changed your mind. After 30 days, NordVPN's standard policy does not provide refunds for unused subscription time.

Company
Tefincom S.A. / NordVPN
Type
VPN subscription
Recurring?
Yes — annual or monthly
Country
Panama (global service)
What to do Log into nordvpn.com → your account → Billing to see your subscription details and renewal date. To cancel auto-renewal: turn off Auto-renewal in Billing. For a refund within 30 days of purchase, contact NordVPN support via live chat on their website.

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Questions about NordVPN charges

What is TEFINCOM on my bank statement?
TEFINCOM S.A. is the registered company that operates NordVPN, incorporated in Panama. Because banks show the legal company name rather than the consumer brand, your statement may say TEFINCOM or TEFINCOM*NORDVPN. Both refer to the same NordVPN subscription.
Why is my NordVPN renewal charge much higher than I paid originally?
NordVPN heavily discounts the first subscription period — often 60–70% off for 1 or 2 year plans. When the plan renews, it charges at the standard (undiscounted) price. The renewal price is shown at the time of sign-up. Log into your NordVPN account to see the price your plan will renew at, and cancel auto-renewal if you don't want to pay the full rate.
How do I cancel NordVPN?
Log into nordvpn.com with your account credentials, go to the Billing section, and turn off Auto-renewal. This prevents future charges but keeps your subscription active until the end of the current paid period. To request a refund within 30 days, use NordVPN's live chat support on their website.
Can I get a refund on NordVPN?
NordVPN offers a 30-day money-back guarantee. If you're within 30 days of the original purchase date, contact their live chat support and request a refund — they typically process it within a few days. After 30 days, refunds are at NordVPN's discretion and are not usually given for unused time.
Is a NordVPN charge legitimate?
Yes — NordVPN is a well-established, legitimate VPN service used by millions of people. If you or someone in your household signed up (even via a promotional deal you may have forgotten about), the charge is valid. If you have no recollection of signing up and can't find an account, contact NordVPN support and your bank.