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, if any. Do not write your PIN on your card or elsewhere.
You can check your forgotten PIN whenever necessary 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. Then, go to Kortin asetukset (Card settings) and select Tarkista tunnusluku (Check the PIN).
Never let anyone else use your card or reveal the PIN to another person. The bank's staff or the authorities will never ask for your payment instrument identifiers, such as a username or password for online banking, full card number or card PIN.
Only use your card details when paying something by yourself. Stay alert and never confirm a transaction with Mobile key or a key code if you are unsure about the transaction or do not recognise it.
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 any losses. 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 security limits for your card
You can set day-specific spending/withdrawal limits for cash withdrawals made with the card, pre-authorised card purchases and online payments, as well as other distance purchases. Set limits on both the credit and debit facility. Spending and withdrawal limits do not include any account transfers and bill payments made using the credit facility via OP's digital services.
You can set and change the limits via OP's digital services according to need. The new limits will take effect immediately.
In addition, you can set a transaction limit to restrict card payments 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, which is open 24/7, at 0100 0555 (local/mobile network rate). Note that the name of the store where you made a purchase is often different from the name shown in the itemisation of transactions. So, also check the paid amounts and dates.
Read more about OP Deactivation Service
After you have reported the unknown card transactions to the police, you can file a complaint, or a request to investigate, about the card transactions. A claim settlement decision will be taken only after the complaint is processed.
Our Card Security Service may contact you in matters related to card security by sending you an SMS. If you get such an SMS, call our Card Security Service, which is open 24/7, at 0100 0530 (local/mobile network rate).