Invoicing

Electronic invoicing (e-invoicing) speeds up and enhances the process, reduces errors in invoice processing and generates cost savings to both parties.

OP Financial Group’s procure-to-by system is SAP Ariba which contains a partial order process and invoicing for purchase orders. Purchase order invoices can be sent in two ways: through an e-invoice or through the Ariba portal based on the order.

If invoicing takes place without a purchase order (such as low-value purchases and separately agreed services), the invoice will be sent through the supplier’s own e-invoice operator using OP Financial Group’s e-invoicing address.

In case you have a PO number, but you are not able to send e-invoices or use Ariba Portal for invoicing, you can send paper invoices to skannaus-tribedo@op.fi. Note! Please add a PO number as a reference to your invoice. You can send paper invoices also by post:

Company name
P.O. BOX 308
00013 OP

Invoices related to damages are sent to Pohjola Insurance primarily as Finvoice online invoices. For more detailed instructions, see Section 4. Pohjola Insurance claims billing.

1. Sending e-invoices based on Ariba purchase orders

Suppliers can send invoices for Ariba purchase orders (Purchase Order) via operators (TEAPPS) or through the bank’s service (Finvoice) in accordance with the instructions below. Compliance with these instructions is important in order to ensure the correctness of the invoice content. The correct content makes it possible to reconcile invoices automatically to correspond to the order/agreement, to reduce invoice processing errors, to enhance the invoicing and invoice handling process of both parties and to ensure the real-time payment of invoices.

OP Financial Groups e-invoicing addresses

Company name
P.O. BOX 930
00101 HELSINKI

In all invoices sent without a purchase order number, the invoice image must include, as a reference, the name of OP Financial Group’s contact person with whom the supplier has agreed on invoicing in question.

TEAPPS invoices (transmitted by operators):

Operator Basware Oyj BAWCFI22

Finvoice invoices (through the bank’s service):

E-invoice recipient address (IBAN): FI1750000120202709
Operator ID: OKOYFIHH

NOTE! EDI identifiers by company can be found at the bottom of the page. OP Financial Group is not liable for any late payment charges that may arise from incorrect/incomplete data.

2. Sending an invoice through the Ariba service portal

Suppliers can create an invoice out of the purchase order (Purchase Order) on the Ariba service portal and attach the original invoice as the Ariba invoice attachment.

3. Invoicing without Ariba purchase order

If invoicing takes place without a purchase order (such as low-value purchases and separately agreed services), the invoice will be sent through the supplier’s own e-invoice operator using OP Financial Group’s e-invoicing address (see point 1). 

Before sending us your first e-invoice, we kindly ask you to notify us by sending an email to finvoice-laskutus@op.fi. This helps us to make sure that all the necessary address and identifier information is included in the invoice data. Please include your company name, business ID and the number of your invoice in your notification.

In the case of other questions about invoice processing, please contact reskontra@op.fi. 

Paper invoices can be sent by email to skannaus-tribedo@op.fi or by post to:

Company name
P.O. BOX 930
00013 OP

4. Pohjola Insurance claims billing

Invoices related to damages are sent to Pohjola Insurance primarily as Finvoice online invoices.

Pohjola Insurance Ltd / CLAIMS BILLS
Business ID: 1458359-3 
E-invoicing address: 003714583593001
BIC: OKOYFIHH

E-invoicing address:

Business ID

1458359-3

EDI identifier 003714583593001
BIC OKOYFIHH

The information below must be included in the electronic invoice, depending on the situation:

  • claim code
  • customer’s name, personal identity code and address
  • type of loss/damage type
  • date of loss/damage
  • policy code
  • vehicle registration number.

The sender of the invoice should have an agreement with their own bank or with another operator for sending e-invoices.

The claims settlement service of Pohjola Insurance receives e-invoices in accordance with the Finvoice standard. If the issuer of the invoice sends invoices in accordance with any other standards, the electronic invoice operators will adapt them to the Finvoice invoice format.

For more information on e-invoices related to claims sent to Pohjola Insurance and in the case of problem situations related to e-invoicing, please send an email to korvauspalvelu.verkkolaskutus@pohjola.fi. If this involves ensuring the delivery of the first e-invoice, the message must include a copy of the invoice in PDF format or, at minimum, the claim code, sender’s name and business ID. We will confirm the status of the e-invoice as soon as possible.

Invoicing postal address

Pohjola Insurance Ltd
Type of loss/damage (see the list below)
P.O. Box XXX
00013 OP

Post boxes for various types of loss/damage:

Type of loss or damage Post office box address, P.O. Box
Private person’s material damage 110
Company's material damage 220
Company's transport loss/damage 221
Corporate liability loss/damage 222
Legal expenses loss 330
Occupational accident, occupational disease 440
Motor vehicle and road accident 550
Personal accident 660
Traveller claim 770
Medical expenses 880
Health insurance 881

EDI identifiers by company are listed below

Alajärven Op

003701776003

0177600-3

Ala-Satakunnan Op

003701399279

0139927-9

Alavieskan Op

003701846702

0184670-2

Andelsbanken för Åland 

003701450548 

0145054-8 

Andelsbanken Raseborg

003701268228

0126822-8

Asunto Oy Vantaan Pilotti

003728596977

2859697-7

Asunto Oy Helsingin Trissa

003731434741

3143474-1

Asunto Oy Järvenpään Basso

003731413844

3141384-4

Asunto Oy Kuopion Klaava

003730968725

3096872-5

Asunto Oy Kuusiniementie 13

003702351816

0235181-6

Asunto Oy Lahden Marleena

003724941219

2494121-9

Asunto Oy Tampereen Herrainrinne

003715174409

1517440-9

Etelä-Pirkanmaan Osuuspankki

003701573011 

0157301-1

Etelä-Pohjanmaan Op

003709115242

0911524-2

Euran Op

003701322335

0132233-5

Haapamäen Seudun Op

003701759908

0175990-8

Hailuodon Op

003701849153

0184915-3

Harjuseudun Op

003701320321

0132032-1

Humppilan Op

003701464536

0146453-6

Hämeen OP

003701525431

0152543-1

Janakkalan Op

003701474937

0147493-7

Jokioisten Op

003701476625

0147662-5

Jokilaaksojen Osuuspankki

003702088771

0208877-1

Joki-Pohjanmaan Op

003701867474

0186747-4

Jämsän Seudun Op

003701756328

0175632-8

Järvi-Hämeen Op

003717955372

1795537-2

Kaakkois-Suomen Op

003709156191

0915619-1

Kainuun Op

003701854956

0185495-6

Kangasalan Seudun Op

003701478989

0147898-9

Kangasniemen Op

003701646858

0164685-8

Kemin Seudun Op

003701909830

0190983-0

Kerimäen Op

003701647797

0164779-7

Keski-Pohjanmaan Op

003701793436

0179343-6

Keski-Suomen Op

003708220294

0822029-4

Kiinteistö Oy Espoon Niittykummun Metropysäköinti

003726885759

2688575-9

Kiinteistö Oy Koskitammi

003708479933

0847993-3

Kiinteistö Oy Topeliuksenkatu 41b

003727869742

2786974-2

Koillismaan Osuuspankki 003701864011 0186401-1

Koitin-Pertunmaan Op

003701637302

0163730-2

Korpilahden Op

003701762883

0176288-3

Koy Kanta-Sarvis I

003726903689

2690368-9

Kronoby Andelsbank 

003701800544 

0180054-4 

Kuhmon Op

003701861996

0186199-6

Kuortaneen Op

003701801133

0180113-3

Laihian Op

003701804377

0180437-7

Lapin Op

003702039814

0203981-4

Lehtimäen Op

003701807586

0180758-6

Lemin Op

003701625707

0162570-7

Lighthouse HoldCo GP Oy

003734038154

3403815-4

Limingan Op

003701865487

0186548-7

Liperin Op

003701695617

0169561-7

Lounaismaan Op

003722058510

2205851-0 

Lounaisrannikon Op 

003716027208 

1602720-8 

Lounais-Suomen Op

003701361609

0136160-9

Luumäen Op

003701626240

0162624-0

Länsi-Kymen Op

003701583762

0158376-2

Länsi-Suomen Op

003720269541

2026954-1

Maaningan Op

003701723008

0172300-8

Mouhijärven Op

003701352593

0135259-3

Multian Osuuspankki

003701766171

0176617-1

Nagu Andelsbank

003701357191

0135719-1

Nakkila-Luvian Op 

003701356543

0135654-3 

Niinijokivarren Op

003701349503

0134950-3

Nilakan Seudun Op

003701724975

0172497-5

OP-Asuntoluottopankki Oyj

003716143292

1614329-2

OP Asuntorahasto I GP Oy

003725561365

2556136-5

OP-Eläkesäätiö

003702018044

0201804-4

OP Finnfund Global Impact Fund I Ky

003731427453

3142745-3

OP Finnfund Global Impact I GP Oy

003731251881

3125188-1

OP-Henkivakuutus Oy

003710300592

1030059-2

OP Kiinteistösijoitus Oy

003705991018

0599101-8

OP Koti Etelä-Pirkanmaa Oy LKV

003701574989

0157498-9

OP-Koti Etelä-Pohjanmaa Oy LKV

003715750007

1575000-7

OP-Koti Häme Oy LKV

003708570737

0857073-7

OP Koti Itä-Suomi Oy LKV

003705954508

0595450-8

OP-Koti Jämsä Oy LKV

003708422881

0842288-1

OP-Koti Järvi-Häme Oy LKV

003705737984

0573798-4

OP-Koti Järviseutu - Suomenselkä Oy LKV

003706186117

0618611-7

OP Koti Kaakkois-Suomi Oy LKV

003709156191

0211999-6

OP-Koti Keski-Suomi Oy LKV

003706360410

0636041-0

OP Koti Lounaismaa Oy

003702045528

0204552-8

OP-Koti Lounaisrannikko Oy LKV

003711015216

1101521-6

OP-Koti Lounais-Suomi Oy LKV

003701361377

0136137-7

OP-Koti Länsi-Suomi Oy

003707418565

0741856-5

OP-Koti Nakkila-Luvia Oy LKV

003718958735

1895873-5

OP Koti Orivesi Oy LKV

003709976835

0997683-5

OP-Koti Pirkanmaa Oy LKV

003702478382

0247838-2

OP Koti Pohjoinen Oy LKV

003731858464

3185846-4

OP-Koti Pohjois-Häme Oy LKV

003702296458

0229645-8

OP-Koti Sastamala Oy LKV

003701443575

0144357-5

OP-Koti Satakunta Oy LKV

003709856200

0985620-0

OP-Koti Turun Seutu Oy LKV

003709110935

0911093-5

OP Koti Uusimaa Oy LKV

003708214978

0821497-8

OP Koti Ylä-Uusimaa Oy LKV

003701292287

0129228-7

OP-Metsänomistaja -erikoissijoitusrahasto

003726388744

2638874-4

OP Osuuskunta

003702425221 

0242522-1

OP-Palvelukiinteistöt -erikoissijoitusrahasto

003728549572

2854957-2

OP-Pohjola-ryhmän Tutkimussäätiö

003702152518

0215251-8

OP-Rahastoyhtiö Oy

003707439622

0743962-2

OP Rent Oy

003726566213

2656621-3

OP Rent II Ky

003726902547

2690254-7

OP Ryhmän Taidesäätiö

003706823446

0682344-6

OP Suomi Infra GP Oy 

003732027646

3202764-6

OP Säilytys Oy

003727710504

2771050-4

OP Toimitilakiinteistö GP Oy

003726271802

2627180-2

OP Tonttirahasto GP Oy

003726951445

2695144-5

OP Tonttirahasto Ky

003727313613

2731361-3

OP Varainhoito Oy

003707440201

0744020-1

OP Vuokrakoti GP Oy

003726310015

2631001-5

OP Vuokrakoti Ky

003731494875

3149487-5

OP-Vuokratuotto -erikoissijoitusrahasto

003725346251

2534625-1

OP Vähittäisasiakkaat Oyj

003707516990

0751699-0

OP Yrityspankki Oyj

003701999207

0199920-7

Osuuspankki Vakka-Auranmaa

003701421149

0142114-9

Outokummun Op

003701692010

0169201-0

Paltamon Op

003701887918

0188791-8

PAM USA Funds Oy

003724254232

2425423-2

Petäjäveden Osuuspankki

003701767596

0176759-6

Pietarsaaren Op

003701817039

0181703-9

Pivo Wallet Oy

003722410078

2241007-8

PoGo ry

003702425221OHK

3037315-8

Pohjois-Hämeen Op

003701511283

0151128-3

Pohjois-Karjalan Op

003721744500

2174450-0

Pohjois-Savon Op

003723176666

2317666-6

Pohjola Vakuutus Oy

003714583593

1458359-3

Pohjola Vakuutus Oy / KORVAUSLASKUT (huom. BIC: OKOYFIHH)

003714583593001

1458359-3

Pohjolan Op

003701876178

0187617-8

Polvijärven Op

003701698156

0169815-6

Posion Op

003701919027

0191902-7

Pulkkilan Op

003701890148

0189014-8

Punkalaitumen Op

003701380412

0138041-2

Purmo Andelsbank

003701819851

0181985-1

Raahentienoon Osuuspankki

003701893613

0189361-3

Rantasalmen Op

003701664896

0166489-6

Rautalammin Op

003701725759

0172575-9

Real Estate Debt and Secondaries GP Oy 

003725111751 

2511175-1 

Real Estate Debt and Secondaries Ky 

003725382797 

2538279-7 

Real Estate Fund of Funds Gp Oy

003726951031

2695103-1

Real Estate Fund Finland III GP Oy 

003724028315 

2402831-5 

Real Estate Fund Finland III Ky

003724023901

2402390-1

Real Estate Fund of Funds Finland Oy

003722960715

2296071-5 

Real Estate Fund of Funds II Ky

003723030229 

2303022-9

Real Estate Fund of Funds III Ky 

003724023901 

2402390-1 

Real Estate Fund of Funds V Ky

003727713916

2771391-6

Riistaveden Op

003701714267

0171426-7

Rymättylän Op

003701392368

0139236-8

Sallan Op

003701929276

0192927-6

Satapirkan Op

003701328243

0132824-3

Savitaipaleen Op

003701631138

0163113-8

Siikajoen Op

003701896355

0189635-5

Siikalatvan Op 

003723254070 

2325407-0 

Suomenselän Op

003701951529

0195152-9

Suomi Toimitilakiinteistö Ky

003726260345

2626034-5

Suomi Toimitilakiinteistö Syöttörahasto I Ky

003726263466

2626346-6

Suur-Savon Op

003723568395

2356839-5

Sydänmaan Op

003701777209

0177720-9

Tampereen Seudun Op

003708289726

0828972-6

Tervolan Op

003701932387

0193238-7

Tervon Op

003701730742

0173074-2

Turun Seudun Op

003701421261

0142126-1

Tuusniemen Osuuspankki

003701731104

0173110-4

Tyrnävän Op

003701901353

0190135-3

Utajärven Op

003701901927

0190192-7

Uudenmaan Op

003708713398

0871339-8

Vaara-Karjalan Op

003701675763

0167576-3

Vaasan Op

003701836379

0183637-9

Vehmersalmen Op

003701737389

0173738-9

Vesannon Op

003701737717

0173771-7

Vimpelin Op

003701843130

0184313-0

Ylitornion Op

003701939116

0193911-6

Ylä-Kainuun Op

003701898983

0189898-3

Ylä-Uudenmaan Op

003701299032

0129903-2

Yläneen Op

003701446354

0144635-4

Ylä-Pirkanmaan Op

003701528245

0152824-5

Ylä-Savon Op

003701708692

0170869-2

Ypäjän Op

003701583164

0158316-4