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New in identification

Mobile key is the primary identification method on our services, and we recommend that you start using it. It is also the default option for logging in and confirming transactions on our services. If you want to continue using the key code list, select it as your identification method.

With Mobile key, you can easily handle your personal transactions without a key code list – anywhere, anytime. You can use it to log in and confirm payments and transactions on OP-mobile, OP Business mobile and the op.fi service, and also to identify yourself when accessing other services, such as MyTax and Kela, and paying for online purchases. With Mobile key, you can also activate the Pivo mobile payment app.

Read more about the extended use of the Mobile key for other services

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 to 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 phone number for further confirmation

To use 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 make 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.

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 doesn’t 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 Mobile key and its use.

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.