Private trader – Banking services for your company’s needs
OP also offers a private trader all banking services for the various stages of business operations.A wide range of services for entrepreneurs online, on mobile devices, and at OP cooperative banks
Turn to us for expertise: nearby at your local OP cooperative bank, or through our wide range of digital services. We are continuously improving our services to meet the needs of small and large companies.
Handle your own and company’s banking with just one, handy user ID
You can manage your company’s banking matters in the corporate customers’ area of the op.fi service and OP-mobile with the same user ID as for personal banking. Just choose the right customer role when logging in to the service.
The corporate customers’ area on the OP-mobile is a handy way of managing a range of banking matters, when and wherever you prefer
In the corporate customers’ area on the OP-mobile you can easily handle billing and compile accounting records. You can also add additional services subject to a charge, such as our invoicing or debt collection service.
What is a private trader?
Private trader is a company form that is perfect for sole traders, new entrepreneurs, and small-scale businesses. Becoming a private trader is easy, affordable, and quick. The cheapest and fastest way to become a private trader is to file an electronic start-up notification in the business information system (YTJ) administered by the Finnish Patent and Registration Office and Finnish Tax Administration.
Banking and insurance services for private traders
We can offer private traders all the banking and insurance services that you need. You can, for example, open a bank account as a private trader and activate our online and mobile service easily online. In our digital services, you can pay your company’s bills and send invoices to your customers.
We will also provide you with a suitable insurance solution. As a private trader, your risks depend on what your business is like.
Request an offer for insurance for private traders
Taxation of private traders
Entrepreneurs pay prepayment taxes for their earnings. As a private trader, you pay income tax based on your estimated earnings. A private trader files a tax return annually both personally and as a private trader.