Opening a corporate account online

Open a corporate account easily and quickly online. We will process your application within three business days.

Corporate account and digital services from €8.90/month

  • Corporate account

    The corporate account enables you to manage your company’s payment transactions.

  • Online balance statement

    You’ll get an online balance statement accepted in accounting once a month on the op.fi online service.

  • OP Business mobile

    With OP Business mobile, you can take care of your company’s banking using the same user ID. You can download OP Business mobile for free from AppStore or Google Play.

  • Op.fi service for businesses

    Op.fi offers a wide range of services for your company’s daily banking and insurance needs, accessible with your personal OP user ID.

Open a corporate account (in Finnish)

You can open a corporate account online under the following conditions:

  • You have an OP user ID.
  • Your customer details are up to date in My profile.
  • You are of age.
  • You’re entitled to sign for your company alone or together with another person.
  • Your company’s company form is a limited liability company or a private trader.
  • Your company is only liable to pay tax in Finland.
  • Your business consists mainly of non-investment operations.

We will automatically check your credit history from the credit data file of Suomen Asiakastieto Oy when we process your application.

If you can’t open the account online, please book an appointment with our customer advisor. Book an appointment

What information do you need when your open a bank account for your company online?

Basic company information

  • Business ID and a description of the business
  • Company’s financial information

For limited liability companies, the following information is required also:

  • Information on owners and beneficial owners
  • Extract from the Trade Register
  • Report on the ownership structure if the limited liability company has other companies or ownership is distributed


What information do you need to have with you if you book an appointment?

Basic company information

  • Business ID and a description of the business
  • If the company is in its early stage, the memorandum of association and final protocol of the founding meeting
  • If the company is active, the latest income statement and balance sheet
  • List of countries of tax residence

Information on owners

  • Name, date of birth or business ID, nationality, country of domicile or registration, interest in the company

Information on beneficial owners

  • Name, date of birth, nationality, country of domicile, prominent public functions that you may hold, members of your family or your business associates

Personal ID document

  • Be sure to bring your passport or ID card when visiting our bank branch.

The services are provided by OP cooperative banks.

Open a corporate account (in Finnish)

The online application enables your company to use the following services. Read more about services:

Corporate account >

OP-Visa Business Card (debit) >

OP Business mobile >

op.fi for businesses > 

What is the mandatory insurance policy for entrepreneurs all about?

An entrepreneur must buy a Self-employed persons’ pension insurance, or YEL insurance, when its earnings exceed the annual income limit. For example, the income limit in question was 8,063.57 euros in 2021. You must buy the YEL insurance within six months of starting your business. Read more about the YEL insurance and its terms and conditions.

Read more about the YEL insurance and its terms and conditions >

You should also insure your business against risks threatening movable property and business continuity. Even if you suffer a loss, the company’s operations can continue.

The non-life insurance policies are issued by Pohjola Insurance Ltd. Life insurance policies are issued by OP Life Assurance Company Ltd. Earnings-related pension policies are issued by Ilmarinen.

Business liability and property insurance package Special Corporate Insurance >

Life insurance >

Business interruption insurance >

Statutory Self-employed persons’ pension insurance by Ilmarinen >