Get banking services digitally

A Current Account, a wide range of digital services, OP's user ID and card – start using our daily banking services.

Current Account forms the basis of your daily banking services

As an OP cooperative bank owner-customer, you will now get 0.25% interest on your Current Account. Accrual of interest requires that the account and owner-customer membership are with the same OP cooperative bank.

Wide range of digital services will keep you on track of your finances

As an OP customer, you will have access to comprehensive services helping you manage your finances and save. These include My financial balance and Money Box.

OP's user ID is the key to digital services

With an OP user ID, you can log into OP's services, confirm online payments, sign documents and applications and identify yourself on authorities' online services.

Conveniently apply for a card when opening an account

Read more about the different options and choose the card that suits you best. You can also use your card with the Apple Pay and Google Pay apps.

Become our customer

Did you receive a message from us and come to get your user ID?

Get user ID

You make the most of your banking and insurance services and OP bonuses as an owner-customer

You can become an OP cooperative bank owner-customer at the same time as you become an OP customer. In that way, you will get discounts on banking and insurance services as well as OP bonuses which only owner-customers can earn. They will be automatically used to cover your banking service charges and insurance bills. Owner-customer prices and benefits are valid only in the bank whose owner-customer you are.

As an OP cooperative bank owner-customer, you will get daily banking services without monthly charges until the end of 2025.

In addition, as an owner-customer, you will earn 40% more OP bonuses until the end of 2025 compared to the normal level of 2022.

Smooth daily transactions on OP's digital services

As our customer, you will have access to our digital services that will make your daily life easier. You can use these services with your OP user ID.

To make your use of services as easy as possible, enable OP-mobile and Mobile key on your smartphone or tablet. On OP-mobile, you can handle your banking and insurance matters, like payments and loan repayments, cards, loss reports and much more – whenever or wherever you want.

Select the card that suits you best

You can choose between three cards designed for different needs. Select the one that you find most suitable for you. You make the most of the cards as part of daily banking services. The daily services include one or two cards, a Current Account, a range of mobile services and OP's user ID that serves as a digital identity card.

Check out our card recommendation for you

Credit / Debit

OP Gold

How to become a customer

Fill in the application. You will need about 15 minutes of time, banking user identifiers issued by a Finnish bank and a phone on which you can receive SMSes. You will be able to transfer money to your new account the day after opening the account.
You will receive an SMS within two days. In the SMS, you will be instructed to return to this service and verify your identification again to get your OP user ID. You will receive your key code list and card by post.
The services are now available to you. You can transfer money to your new account right away. After you have received the OP user ID, you can log into OP's digital services. All your agreements will be saved in the op.fi service.

Can I fill in the application on the op.fi service?

You can fill in the application digitally if

you are aged 18 or over and are legally competent
you are a citizen of the European Economic Area (EEA) or a dual citizen who holds citizenship in Finland and another EEA countrY
you have a permanent address and domicile in Finland
your credit history is in order and you don't have a voluntary credit stoppage
your name or personal ID code are not on a sanctions list.

After you have become our customer, we will help you terminate the services of your current bank. To do this, you will need the details of your current banking services.

If you can't apply online to become our customer, book an appointment with a branch.

Book an appointment

For more information on how we process personal data, see the Privacy Notice in OP Financial Group cooperative bank’s customer data file.

See our Privacy Notice

Did you move to Finland?

If you do not have Finnish banking user identifiers, read here how to become our customer.

Become an OP customer

As an OP customer, you get all your banking and insurance services from one bank, making your daily use of services easier.

Example calculations of OP credit cards

Example calculation for credit on OP Visa cards: The annual percentage rate of charge calculated on a credit amount of 2,000 euros is 19.73% (October 2023). This calculation does not include owner-customer benefits or other discounts. This calculation is based on the assumption that the card’s monthly charge is 2.95 euros, and the monthly account service charge is 3.50 euros, free e-invoices are in use, the credit interest rate, fees and charges are constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable would be 2,193.83 euros.

Becoming an owner-customer and membership cooperative contribution

Becoming an owner-customer and member contribution

Your current customer relationship and any user ID in your use affects you becoming an owner-customer.

If you are an OP cooperative bank’s customer and have OP’s user ID, you can become an owner-customer by logging into the op.fi service. Become an owner-customer
If you are an OP cooperative bank’s customer but you do not have OP’s user ID, start by booking an appointment Book an appointment
If you are not an OP cooperative bank’s customer but you have another bank’s user identifiers and are interested in becoming an OP cooperative bank’s customer, become our customer online Become our customer easily online

Membership cooperative contribution

When joining us, you will pay an ordinary cooperative contribution as a one-time contribution, no other payments exist. In most banks, the amount of the membership cooperative contribution is 100 euros. You can find the amount of the membership cooperative contribution on the owner-customer application and in your OP cooperative bank.

If ever you decide to stop being an owner-customer, your membership contribution will be refunded to you in full. The cooperative contribution will be refunded after one year has lapsed from the end of the financial year during which the owner-customer membership was terminated.

However, OP cooperative banks have the right to refuse to refund the contributions according to the bank's rules. You can check the rules of the OP cooperative bank on the bank's op.fi page or in the head office.

Who can become an owner-customer?

Any person, entity or foundation using OP Financial Group’s services, irrespective of their nationality, can become an owner-customer.

Child as an owner-customer

A child can become an owner-customer. All guardians of the child sign together their underage child’s application for an owner-customer membership. By doing so, the parents also give their consent that their child will begin to earn OP bonuses.

If the membership contribution is paid using proceeds of the child’s own work, the child can him/herself sign the membership application and pay the membership contribution.

Termination of owner-customer relationship

Owner-customer terminates the membership

The owner-customer has, at any time, the right to terminate their owner-customer membership by informing their OP cooperative bank of this in writing. The owner-customer membership termination date is the date on which the OP cooperative bank has received the termination notice.

Death of owner-customer

An owner-customer membership will terminate on the death of the owner-customer. In the distribution or partition of the deceased person’s estate, the death estate can transfer the deceased person’s owner-customer membership, generally either to widow/widower or heir.

Sustainability

OP Financial Group’s sustainability programme

Commitments and policies

Sustainability reporting

Service providers

Current Account
The account is provided by OP cooperative bank.

My financial balance
My financial balance service is provided by OP Retail Customers plc.

OP-mobile
OP-mobile service is provided by OP Retail Customers plc.

OP's user ID
Service is provided by OP Financial Group.

Money Box
Money Box is provided by OP cooperative bank. The card added to Money Box is provided by OP Retail Customers plc.

OP Classic
Product Protection Insurance is issued by Pohjola Insurance Ltd.

OP Gold
Travel insurance, rental car insurance and event ticket insurance are issued by the insurance company Inter Partner Assistance SA/AXA. Product Protection Insurance is issued by Pohjola Insurance Ltd. The LoungeKey service is provided by Visa.

Apple Pay is provided by Apple. Google Pay and Google Wallet are trademarks of Google LLC.

The cards are issued by OP Retail Customers plc, which also acts as the policyholder for insurance products included in the card and as the contract customer for other additional services.