Account security limits are an easy way of improving the security of your money. They provide additional protection in case your banking user ID falls into the hands of criminals.
We want to enhance the safety of our customers' use of services and, therefore, will enforce security limits on most OP personal customers' accounts in 2026. The Financial Supervisory Authority (FIN-FSA) too recommends that banks set security limits on all accounts.
We recommend that you set security limits already now. You can set and change the limits easily on OP's digital services.
- Op.fi service: Log in, select an account and go to Account security limits.
- OP-mobile: Log in, select an account and tap the gear icon through which you can access account settings to edit the security limits.
Select such limits that you can still make your regular payments, like rent, loan principal repayments and recurring investments. If you don't use an account actively, set stricter limits. For example, we recommend choosing particularly strict limits on savings accounts.
Relaxing the security limits, or increasing them, always requires a confirmation by SMS. Never confirm a confirmation request you aren't aware of initiating yourself.