Here’s how use of cash declined and use of OP-mobile grew during the first year of the coronavirus pandemic

Logins to OP-mobile grew by over 23 per cent since March last year. On the other hand, OP’s customers withdrew 25 per cent less cash than a year earlier.

The coronavirus pandemic, which reached Finland in March last year, has transformed how people handle money, with customers moving from paper to digital means of payment.

  • Cash withdrawals by OP customers from ATMs, bank branches and shop tills have fallen by 25 per cent, in euros, since March last year.
  • The number of customer logins to OP-mobile grew by 23 per cent in the same period. There were almost 40 million logins to OP-mobile in March 2021, whereas the 20 million threshold was crossed in November 2018.
  • Via OP-mobile and Pivo, customers can use the Siirto payment system to move money between accounts in real time. A total of 40 per cent more Siirto payments were made via OP’s services than in the previous year. The number of debit card payments by customers grew by almost 9 per cent in the same period. Credit and debit payments by OP customers were 25 per cent higher during Easter week 2021 than in the same week in 2020.

Do you already know OP-mobile and our mobile payment services? You can manage your banking and insurance issues on the OP-mobile app with ease anytime. By using mobile payment, you pay fast, easily and safely with your smart device. Our mobile payment services include Apple Pay, Siirto payment and Pivo.


Kyselytiedot perustuvat tammikuussa verkkopaneelissa toteutettuun kyselytutkimukseen, johon vastasi 2 325 täysi-ikäistä suomalaista. Tutkimuksen toteutti OP Ryhmän toimeksiannosta Taloustutkimus. Vastausten virhemarginaali on noin +/-2 prosenttiyksikköä.