As part of our responsible operations, we are reducing paper consumption and promoting the use of digital services.
If you are not using our digital services, you can order an interest certificate from our Customer Service if you wish. One interest certificate per year is free of charge. If you need an interest certificate for a specific value date, or several copies of certificates, we will charge a service fee as specified in the list of charges and fees.
If you are using OP's digital services, you can find your interest certificate in My archive by logging into op.fi or OP-mobile with your OP user ID.
Op.fi service: Log into the op.fi service - your name – My archive – category: Loans – Search
OP-mobile: Log into OP-mobile - Customer – My profile – My archive – category: Loans – Search
When may you need an interest certificate?
The bank will annually report information necessary for tax purposes directly to tax authorities. This includes information on any loans granted to the person liable to pay tax, the purpose of the loan, the loan principal and the amount of interest paid on the loan.
The person liable to pay tax must check the pre-completed tax return and make any corrections needed. You may need an interest certificate if you need to correct any information in the tax return, such as information related to interest deductions. You can make tax deductions on loan interest expenses when, for example, you have taken out a loan for the production of taxable income. This applies to, for example, a loan taken out for purchasing a buy-to-let home.