New in identification

In addition to OP-mobile and the op.fi service, you can now use the Mobile key in other services too, such as MyTax and Kela, and for confirming online payments. You can also use the Mobile key to confirm most of your card payments for online purchases. With the Mobile key, you can also activate the Pivo mobile payment app.

Mobile key is an identification method, just like the key code list. Mobile key is always with you on your phone or tablet, and it can’t be copied. 

You can still identify yourself using the key code list

You can still select the Key code list as the means of identification at op.fi and other services. In this case, you will log in and confirm payments and transactions by using your username, password, key code list and, if necessary, an SMS confirmation.

This means that when you use a key code list, you need a device that can receive SMSes. Receiving SMSes is free of charge for you. The bank’s SMSes requesting further confirmation will always be sent from number +358 40 711 8180, and they are signed by OP.

Check your further confirmation phone number

To use the Mobile key and receive confirmation messages, your mobile number for further confirmations must be up to date. The further confirmation number is your phone number linked to your username. Please make sure your phone number for further confirmation is correct.

How to check your details at op.fi:

Private customers: Oma profiili (My profile) > Omat tietoni (My details)

Corporate customers: Settings > Confirmation and devices > Managing further confirmation number

If you don’t have a phone number for further confirmation yet, you can add it when logged in at op.fi or by visiting a bank branch. If the phone number for further confirmation is incorrect in your details, please contact our telephone service or a bank branch.

If you don’t have a device that can receive SMSes, please contact your OP cooperative bank to agree on the best way to do your transactions.

New services for managing your accounts and making payments

As a result of changes in the Payment Services Act, you can view your account information and make payments on other than your bank’s services, too.

Further confirmation for OP Accessible  

Further confirmation will be adopted on OP Accessible as of 16 March 2020. Use of the key code list in login and further confirmation will, if necessary, require confirmation with an SMS.

To identify yourself and confirm payments, you will need a mobile phone capable of receiving SMS messages and this phone number must be linked to your user ID as a so-called further confirmation phone number. 

Legislative amendments bring about new requirements for the identification and confirmation tools used when account and card information is viewed and payments initiated. Their purpose is to guarantee the safety of the customer, customer details and payments. Legislation requires so-called strong identification basically every time account information and payment services are used.

The changes originate in regulation that is binding on banks. The amendment of the Payment Services Act on the basis of the PSD2 directive aims to ensure the safety of banking transactions, and the key code list alone does not meet the requirements of the Act. The Payment Services Act concerns all banks that operate in Finland.

Does Mobile key make you wonder?  We compiled frequently asked questions about the Mobile key and using it.

Your user ID enables you to log into OP’s services, confirm online payments for various service providers, sign documents such as agreements and applications, and identify yourself on many authorities’ services.