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 |