Korttimaksu verkossa

Secure payment with a card

As a rule, card payment is a secure way of paying at checkouts or online. However, you must exercise normal levels of care and caution when using a card. Keep your card PIN safe, set spending and withdrawal limits for your card, and check your card transactions regularly.

Using cards and PINs carefully

  • Learn the card's PIN by heart and destroy the letter which the bank sent to inform you of the PIN. Do not write your PIN on your card or elsewhere.
  • You can check your forgotten PIN easily and free of charge by logging into the op.fi service or OP-mobile. Select Omat kortit (My cards) under /Rahat) Money and there the card for which you need a PIN and go to Tarkista tunnusluku (Check the PIN) under Kortin asetukset (Card settings). You can anytime check the PIN.
  • Never give your card or disclose your PIN to anyone – neither banks nor the authorities would ever ask you for them.
  • Keep your card as safe as you would keep cash. Every now and again, check that your card is where it should be.
  • Never leave your card unattended, for example, in a car, hotel room or on a table in a restaurant. If your own carelessness contributes to fraudulent use of your card, you will be personally liable for fraud-induced losses in part or in full. For example, you should never keep your card's PIN in the same place as your card.
  • When you get a new card, destroy the old one by cutting it in half across the chip and magnetic stripe.


Setting spending and withdrawal limits for your card

You can set daily limits for withdrawals, card purchases requiring pre-authorisation hold, and online payments and other distance purchases. Set limits on both the Credit and Debit facility. Spending and withdrawal limits do not include account transfers and bill payments using the credit facility via OP online services.
You can set and change spending and withdrawal limits via OP’s online service according to need. The new limits will take effect immediately. 
In addition, you can set a transaction limit to restrict card payments. This will set limits on the use of your account and card in any one day. 

Read more about the spending/withdrawal limits of your card

Monitoring of card transactions and incorrect claims

Monitor your card and account transactions, to catch any cases of fraud at the earliest possible stage.  
If you find that your bank statement or credit card bill has card transactions that you were unaware of, cancel your card without delay by calling the OP Deactivation Service at 0100 0555 (local/mobile network rate, open 24/7). You can then submit a request for information, or complaint, about the card transactions. 

We are improving our customer service related to card security, also by changing the phone number of the card security service to make the number more accessible. For now, both numbers are in use, which is why they can still be found on the website. We will also update the new number in the outgoing text messages as soon as possible.

For reasons related to card security, our Card Security Service may contact you by sending you an SMS. This means an inquiry related to card security. If you get such a message, call our Card Security Service at either 010 252 1530 (open 24/7), or 0100 0530 (open 24/7). Call charges:

  • 010 252 1530: €0.0835 per call + €0.167 per minute from land-line phones in Finland or mobile phone subscriptions (VAT included).
  • 0100 0530: Lnr/mnr from land-line phones in Finland or mobile phone subscriptions.


  • Do not use an ATM if you notice people loitering nearby.
  • Allow others to use ATMs in privacy.
  • When entering your PIN, cover the keyboard from prying eyes.
  • If you feel unsafe, press the red Stop button instead of entering your PIN. Remove your card and withdraw cash later.
  • If you notice something suspicious at an ATM, please contact the bank, ATM operator or the police.


  • Check the sum before you enter your PIN or give your signature.
  • When entering your PIN, cover the keyboard from prying eyes.
  • You can use contactless payment to pay for small purchases without using your PIN. This avoids the possibility of others seeing your PIN as you pay.
  • Every now and then a payment terminal will request that you insert your card and enter your PIN – even for purchases of less than 50 euros. This is to ensure that the card is being used by the original cardholder.
  • In an unauthorised person’s hands, the card cannot be used to run up huge charges, due to restriction of the number and total value of contactless payments without a PIN.
  • Be prepared to prove your identity – this is in your own interests.
  • Try to avoid situations where your card is out of your sight.
  • Ensure that you get your card back after payment.
  • Keep the receipt/sales slip and compare it with your bank statement or card bill.
  • Dispose of old receipts/sales slips carefully.
  • When you pay online, use online stores with Verified by Visa or MasterCard Identity Check as a payment option. These services make paying online more secure. 
  • When you pay for online purchases via these services, both the merchant and shopper are reliably identified.
  • To see whether an online store uses this service, look for the Visa Secure or Mastercard Identity Check logo.


OP Financial Group treats the protection of its customers’ data and banking transactions as a priority. With respect to card payments, this means ensuring the data security of payment cards and payment transactions in accordance with the related standards.

The card payment data security standard PCI DSS (Payment Card Industry Data Security Standard) has been developed to protect payment card data and transactions, and consumers, from threats. In recent years, OP Financial Group has strongly developed its card payment processes and operations in light of the applicable data security standard. This has enabled OP to meet the PCI DSS data security standard and earn PCI DSS certification for the related functions.

Payment card users should bear a few rules of thumb in mind. Be sure to keep your card in a safe place and keep its PIN secret. Never reveal your PIN to anyone, no matter how trustworthy or official they seem. If your card or PIN falls into the wrong hands, contact the Deactivation Service immediately.

Call the OP Deactivation Service on 0100 0555 (24/7).

If you are phoning from outside Finland, dial +358 100 0555 (24/7).

The Payment Card Industry Data Security Standard, or PCI DSS, is a data security standard which sets requirements for secure card data processing. This standard covers all actors and systems that record, use, transfer or otherwise process payment card data and transactions. It was created by the major card companies (Visa, Mastercard, American Express, Discover and JCB).