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Changes in authentication

The Payment Services Act reform brought new requirements on the methods for identity verification and confirmation used in OP’s services for both private and corporate customers. This means changes when you log into our services and confirm payments and transactions.

The EU Payment Services Directive 2, or PSD2, entered into force in its entirety on 14 September 2019. Based on the Directive, everyone needs to log into services related to payments or viewing account details with a method that meets the criteria for strong authentication. The purpose of the legislative amendment is to guarantee the safety of the customer, customer details and payments.

Soon you can log in and confirm transactions on op.fi by using the Mobile key

Soon you can also select the Mobile key as a means of authentication at op.fi. Its use will be extended to op.fi alongside the key code list. It will be possible to use the Mobile key in other services too, such as MyTax and Kela, and for confirming online payments.

The Mobile key is an authentication method that enables you to log in and confirm payments and transactions by using your personal device and a PIN code you’ve selected yourself. To use the Mobile key in our services, you’ll need a smartphone or tablet, to which you can download OP’s free-of-charge mobile app: OP-mobile or OP Business mobile.

Changes to login view

Extending the use of the Mobile key to op.fi will change the login view. In the future, you can log into op.fi by using either the key code list or the Mobile key. We will separately announce the date of the change.

Read more about the extended use of the Mobile key >

The Mobile key is always with you and it can’t be copied. If is a safe means of authentication that already works in login and in the confirmation of payments and transactions on OP-mobile and OP Business mobile.

Use of the Mobile key will extend to online shopping

As of September 2019, the confirmation of card payments in webshops will change in stages as we renew our cards.

Learn more about paying online purchases using your card >

See instructions for using the Mobile key for online purchases >

You can continue to use the key code list too

You can still select the key code list as the means of authentication at op.fi. 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 the number +358407118180, and they are signed by OP.

How to log in and confirm payments and transactions at op.fi

OP.fi tunnistautuminen OP.fi tunnistautuminen

How to log in and confirm payments and transactions at OP-mobile and OP Business mobile

OP-mobiili tunnistautuminen OP-mobiili tunnistautuminen

Check your further confirmation phone number

To start using the Mobile key and receive the necessary authentication information in an SMS, your phone number for further confirmation (i.e. your personal phone number linked to your user ID) needs to be up to date. 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: Asetukset (Settings) > Vahvistaminen ja laitteet (Confirmation and devices) > Lisävahvistusnumeron hallinta (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.

This is how further confirmation with an SMS works

Please note that the serial number for the key code is shown in the SMS without leading zeros.

 

Continue to hold on to your username, password and key code list

Regardless of the means of authentication you use, you will need your username, password and key code list in the future, too. You will need them, for example, for activating the Mobile key.

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.

Read 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 authenticate yourself on many authorities’ online services.