Did you move to Finland and want to become our customer?

This form is for those who do not have Finnish banking user identifiers yet

Get started with opening banking services by filling in the form below. The form allows you to provide required information before the meeting at the bank branch. After you have filled in the form, we will contact you. This way, we’ll be better prepared for the meeting. You must come to a bank branch to apply for and activate your actual customer relationship.

If you already have an account and a user ID with another Finnish bank, do not fill in this form. Instead, please contact a local OP cooperative bank. 

However, if you’re an EEA citizen and already have a user ID, you can apply for banking services digitally. 

You can activate services here 


What do you need before sending a completed form?

  • A Finnish personal ID code. To apply for it, register your personal data and address to Finnish authorities. You can register in the service locations of the Digital and Population Data Services Agency (Finnish Digital Agency), in the Finnish Immigration Service or at local tax offices.
  • You must register your Finnish address details with the Digital and Population Data Services Agency. The address type needs to be permanent or temporary, a postal address is not enough. The Agency may need time to update the address details, so only fill in the form after receiving confirmation that your address details have been registered.
  • A residence permit if you came to Finland from outside the EU. Your residence permit has to be valid for more than 3 months. If you’re an EU citizen, you must register your right of residence in Finland.
  • A valid personal ID document. It can be a passport, an ID card issued by Finnish authorities after 1 March 1999 or a personal ID document issued by an authority in the EEA region, Switzerland or San Marino that is accepted as a travel document. Your personal ID document must be undamaged and you need to be easily recognised from the photo.
  • If you want to have an online banking user ID for identification, you need to have a passport or an identity card issued by an authority in Finland, another EEA country, Switzerland or San Marino.
  • You must have sufficient funds for service fees. The charge for a current account is 2,5 euros per month and for OP's digital services about 3 euros per month, depending on the bank.
  • You must be aged 18 or over.

You'll find the list of charges and fees for personal customers here

Read about residence permit and EU citizen’s registration (Finnish Immigration Service)

Read about registration of personal data (Population Information System of the Finnish Digital Agency)

Read about registration of personal data (Finnish Tax Administration)

What you should attach with the form

Personal ID document

Your personal ID document can be a copy of a foreign or Finnish passport or Finnish ID card. If your personal ID document or residence permit does not contain your Finnish personal ID code, also include evidence of your Finnish personal ID code, such as an extract from the population register or the registration information on a foreigner temporarily staying in Finland from the Finnish Tax Administration. On its own, a residence permit is not accepted as a personal ID document for activating banking services.

Certificate of your legal residence in Finland

If you arrive from outside the EU, you'll need a residence permit that is valid for more than 3 months. As an EU citizen, you'll need a registration certificate of your right of residence. Attach a copy of the certificate to the form.

Proof of your employment or student status

If you came to Finland to work, attach a copy of your employment contract. If you came to Finland to study, we also need proof of your student status. Other reasons for arriving can include family ties in Finland or remigration.

Documents on the source of funds to be deposited into the account

We will ask you about the source of your funds. The bank is obliged to do this in the case of cash deposits and credit transfers. For this purpose, you must attach information such as account transactions from past three months with your current bank, or a receipt or deed of sale.

The attachments shall be in either Finnish, Swedish or English. The copies you add in the application can be photos of the original documents taken with a phone. The permitted file formats are PDF, JPG, JPEG and PNG. PDFs can’t include links. The maximum size of one file is 4 megabytes (MB). Check that the information in the photos is easy to read.

Fill in the form carefully. When we have received your information, we’ll call you within 10 banking days and book you an appointment at an OP branch, where we’ll discuss your needs.

Send further details

If we ask you for further information, please use the link below to do so.

Send further details

I can’t fill in the application online. What should I do?

Book an appointment at an OP branch. Print and fill in the required forms and bring them to the meeting with you.


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