Cards
Frequently asked questions
Card security – Can I get a card without contactless payment?
Changing the card – How can I switch my card, say, from OP Classic to OP Gold?
Changes to the card – How do I change the name on my card?
Credit – Can I pay a bill with credit or transfer credit to my account?
Features – What’s the difference between debit and credit payments?
Card security – I don’t recognise all of my card transactions. What should I do?
Features – What’s the difference between offline and online cards?
Paying with the card – With which cards can I pay abroad?
Paying with the card – What should I do if my card expires during the journey?
Paying with the card – Can I still use the card during its last validity month?
Credit – How can I increase my credit card’s credit limit?
Card security – My card is lost or stolen. What should I do?
Card security – How do I change my card’s spending and withdrawal limits?
Changes to the card – What kind of card designs are offered?
Changing the card – How do I order a card to replace my current card?
My card or PIN doesn’t work – What should I do?
Cancelling a card – How do I cancel an unnecessary card?
Changes to the card – Are card details updated automatically to streaming services?
Credit – Have you any questions about your credit card bill?
Paying with the card – Where can I find the card numbers and the CVC security code?
Mobile payment – What is Apple Pay?
Mobile payment – What is Google Pay?
My card or PIN doesn’t work – How can I check a forgotten PIN?
Changes to the card – How do I add K-Plussa to my card?
Features – What does the Product Protection Insurance included in the card cover?
Paying with the card – With which cards can I shop online?
Card security – Can I get a card without contactless payment?
If your card was granted before 1 April 2023 and does not include contactless payment, you may continue using the card until it expires. After this, you will receive a new card with contactless payment.
Is contactless payment secure?
Yes. Contactless payment makes card payment more secure, as contactless payment does not require you to use your PIN. There is a smaller risk of phishing, meaning your PIN will not fall into the wrong hands.
Card readers do still require you to occasionally approve the purchase using your PIN. This verifies that the card is in the possession of the correct person.
Are you worried that your card could be used for criminal purposes?
You can sleep well at night, as it is impossible to remotely read all the data required to make a functional copy of your card. You should still use common sense: avoid using the card if you have any doubts about the level of data security at a shop.
Changing the card – How can I switch my card, say, from OP Classic to OP Gold?
If you want to change the card type, for example, from a payment card to a credit card or a credit card with more additional services, do as follows:
- Select the credit card or payment card best suited to your needs
- Fill in the application directly at op.fi or call our our customer service for cards
- You’ll receive your new card within 1–2 weeks.
- When you’ve received the new card and seen that it works, you can cancel your old card. You can repay the credit on your old card in normal monthly payments in accordance with your repayment plan.
If your card application is rejected, contact our Customer Service.
When applying for a new card, your old card’s credit limit may affect the credit limit granted to the new card. You can raise the new card’s credit limit after you’ve started to use the card and cancelled the old card.
Changes to the card – How do I change the name on my card?
You can’t order a card with your new name until your new name is shown as updated on the op.fi service. Your new name will be updated in the bank’s systems after you have registered it with the Digital and Population Data Services Agency.
Ordering a card at op.fi is easy. Log in with OP’s user IDs and select Kortin uusiminen (Card renewal) from the card settings and there Tilaa kortti uudella nimellä (Order a card with a new name) under Nimeni on vaihtunut (My name has changed). If you use a name other than your first name or you do not have access to OP's digital services, contact our Customer Service to change the name.
We will charge for the name change a fee based on our Charges and Fees.
Credit – Can I pay a bill with credit or transfer credit to my account?
You can’t pay bills directly with a credit card or with credit. If you like, you can transfer credit to your bank account and then pay the bill from your account.
How to transfer OP Visa or Mastercard credit card’s credit to an account:
- On OP-mobile: Select a card – Select Transfer to account, or use My transfer
- On the op.fi service (in Finnish): Log in with OP’s user IDs – Omat kortit (My cards) – Select a card – Siirrä luottoa tilille (Transfer credit to account), or use the Siirto omalle tilille (Transfer to own account) function
Transfers are subject to a charge in accordance with the list of charges and fees. You can find the valid list of service charges and fees at op.fi/service-charges. Note that the Product Protection Insurance does not apply to bill payments made from an account.
Features – What’s the difference between debit and credit payments?
Debit payments are debited from a bank account. Credit payments are debited from a credit account. You’ll receive a bill for your credit payments once a month. Once you’ve received the bill, you can take advantage of either the interest- and cost-free payment term and pay off the entire amount in full or the credit facility and pay the bill in instalments.
We have compiled frequently asked questions about credit card billing and answers to them on a separate page.
Card security – I don’t recognise all of my card transactions. What should I do?
The name of the retailer shown on the bill isn’t always the same as the name of the place of purchase. Keep the receipts showing where the card has been used until receiving the bill and checking the transactions.
If your bill has an inexplicable or extra transaction, please contact our Customer Service as soon as possible through the chat or by phone. The chat is open longer. You can manage card-related matters in the chat on weekdays from 8.00 to 22.00.
How to make a correction request
We have compiled frequently asked questions about credit card billing and answers to them on a separate page.
Read more about credit card billing
Features – What’s the difference between offline and online cards?
All OP cards are offline cards, except for OP Basic, which is an online card. Whenever you pay with an OP Basic card, the payment reader will contact your bank to check that there is money in your account. If the payment reader can’t connect to the bank, it won’t be able to check your account and won’t accept the card payment. For this reason, an online card doesn’t always work on trains, ships, aeroplanes or, for example, at ATMs. Offline cards work in such cases. Mobile payments using services such as Apple Pay and Google Pay work in the same locations as the card added to the payment service. OP mobile does not send notifications about offline card transactions – situations in which a payment reader doesn’t contact the bank.
Paying with the card – With which cards can I pay abroad?
You can use all OP payment cards to make payments abroad. In some countries, card payment is still rare and cash is used more commonly.
Paying with the card – What should I do if my card expires during the journey?
If your card expires, say, 05/23 and you are on a journey half of the month, you can safely use the card until the last day of May. So, the card is valid through the last day of the month shown on the card. You’ll get a new card before the expiry of your old card, generally about one month before the expiry date.
If you intend to travel for a longer time, it is advisable to renew your card before leaving. Do that well in advance before your current card expires, or at least 2.5 months before the expiry date. This is how you ensure that you’ll have a new card before you leave on a journey.
If you, however, order a new card when the expiry date of your current card is less than 2.5 months, you will get two cards. This is because you have already been automatically ordered a replacement card. You can start using the card you ordered yourself, with a longer validity period. You can destroy the card sent to you automatically by cutting it in half across the chip and magnetic stripe.
Paying with the card – Can I still use the card during its last validity month?
If your card expires, say, 05/23, you can safely use it until the last day of May. So, the card is valid through the last day of the month shown on the card.
You will receive a new card before your current one expires.
Credit – How can I increase my credit card’s credit limit?
You can increase the credit limit in the op.fi service or on OP-mobile.
Card security – My card is lost or stolen. What should I do?
If your credit or debit card is lost or stolen, call OP Deactivation Service immediately on 0100 0555, or +358 100 0555 if you call from abroad. The service is open 24/7. When you call the Deactivation Service, you don’t need your card’s number; your personal ID code is all you need. Your liability ends once you’ve reported your card lost or stolen, and you won’t lose your money if anyone uses your card.
If you cannot call telephone service numbers from your subscription, you can cancel your card through the chat on weekdays from 8.00 to 22.00.
Your card stops working immediately once you report it lost or stolen. Cancelling the card is final and cannot be reversed. You will be automatically ordered a new card and PIN to replace the lost card. You get the new card and PIN within about two weeks.
If you find the card you’ve reported lost or stolen, don't use it but wait for the new card. Destroy the old card by cutting the chip and magnetic stripe in two.
Card security – How do I change my card’s spending and withdrawal limits?
It’s advisable to set daily maximum spending and withdrawal limits for your payment card as protection against loss and fraudulent use of the card. You can set different
spending and withdrawal limits for your card’s credit facility (credit) and for payments debited directly from your account (debit).
If you have an OP user ID and are aged over 15, you can change the daily limits easily and quickly yourself on OP-mobile or op.fi unless you have the OP Business Debit card.
Change your card’s spending and withdrawal limits by logging into op.fi
Read more about how to change your card’s spending and withdrawal limits
If you do not have an OP user ID, please contact our Customer Service by chat or phone (available in English on OP-mobile).
Changes to the card – What kind of card designs are offered?
OP’s redesigned Visa payment cards are vertical and cardholders can choose the desired design from among many stylish options. The cards have been made of durable reprocessed plastic. At the other side of the card’s edge, there is also a notch that makes for accessible use. It helps to know which way around the card should be inserted to the payment terminal.
OP Basic
A candyfloss is the default design. Other options are pearly white, dark silver, turquoise, rose gold, milky way and northern lights.
OP Debit
Pearly white is the default design. Other options are candyfloss, dark silver, turquoise, rose gold, milky way and northern lights.
OP Classic
Dark silver is the default design. Other options are pearly white, candyfloss, turquoise, rose gold, milky way and northern lights.
OP Gold
Gold is the default design. Other options are pearly white, candyfloss, dark silver turquoise, rose gold, milky way and northern lights.
OP Platinum
Black is the default design. Other options are pearly white, candyfloss, dark silver turquoise, rose gold, milky way and northern lights.
When you order a completely new card or the card is nearing its expiry date, you can choose the design to your liking. Changing the card’s design during the card’s validity is subject to a charge. Renewing the card via the op.fi service is free of charge 3.5–2.5 months before the expiry of the current card.
Changing the card – How do I order a card to replace my current card?
If your card is damaged, you can order a new card on the op.fi service to replace it, using OP's credentials. The card number and PIN will remain the same. The order is subject to a charge in accordance with the list of charges and fees. If you add K-Plussa to your card as a new feature, the order is free of charge.
If you don’t have OP's credentials, you can order a new card by phone.
My card or PIN doesn’t work – What should I do?
If your card doesn’t work, the reason is usually the card’s spending/withdrawal limit, the available credit facility, reaching the card’s expiry date or the card becoming locked. If your card doesn’t work, you can usually solve the problem yourself.
Cancelling a card – How do I cancel an unnecessary card?
If your new card has the same card number and PIN as your previous card or your card has been replaced because of a lost or stolen card, you don’t have to separately cancel your old card. You only need to destroy the old card by cutting it into pieces so that the chip and magnetic stripe are destroyed.
If, however, you have switched your card to another OP card, say, an OP Classic card to an OP Gold card, you can cancel your old card if you like so that you won’t have to pay service charges for two cards. When you’ve received the new card and seen that it works, you can cancel the old card.
How to cancel a card:
- On OP-mobile: Select the card – Settings – Cancel card
- If you don’t have OP-mobile, you can also cancel a card by logging into the op.fi service and opening the chat (in Finnish). In the chat, let us know that you want to cancel a card and then follow the instructions. To cancel a card, you’ll only need the last four digits of the card to be cancelled.
If you have unintentionally paid too much to your credit card’s credit account, meaning that the account is in credit, transfer it from the credit account to your bank account before cancelling the card. Transfers are subject to a charge in accordance with the list of charges and fees.
After cancelling the card, destroy it by cutting it carefully into pieces so that the chip and magnetic stripe are destroyed.
Changes to the card – Are card details updated automatically to streaming services?
All payment cards are linked to either the Visa or Mastercard service which update card details automatically to Netflix, Spotify, Google, iTunes and others.
This automatic update makes life easier and ensures a seamless continuation of services while an expiring or a damaged card is being replaced, for example.
Many service providers are already using automatic update, and more are joining in constantly.
If a card is deactivated as lost or stolen or when the card details are at risk, the customer must update the renewed card's details with any services they use.
Credit – Have you any questions about your credit card bill?
We have compiled frequently asked questions about credit card billing and answers to them on a separate page.
Read more about credit card billing
Paying with the card – Where can I find the card numbers and the CVC security code?
On OP’s combination cards activated before 2023, the credit card's number, or credit number, is on the front of the card. The credit card’s three-digit CVC security code is next to the signature field on the back of the card.
A debit card’s number, or debit number, is on the back of the card. Its three-digit CVC security code is right next to the card number.
On OP’s combination cards activated in 2023 or later, the credit card's credit number, debit card's debit number and both security codes are on the back of the card, clearly marked.
The security code is also referred to as 'CVV' and 'secure code'.
Mobile payment – What is Apple Pay?
Mobile payment – What is Google Pay?
Google Pay is a mobile payment app with which you can pay easily using an Android device or smartwatch in stores, on websites and apps. You can also pay with a smartwatch running on Wear OS. When you pay, you don’t need your card or its details, because the payment is made with your device. Read the FAQ about Google Pay
My card or PIN doesn’t work – How can I check a forgotten PIN?
You can check your forgotten PIN easily and free of charge by logging into the op.fi service or OP-mobile. Select Omat kortit (My cards) under /Rahat) Money and there the card for which you need a PIN and go to Tarkista tunnusluku (Check the PIN) under Kortin asetukset (Card settings). You can anytime check the PIN.
You can check the card’s PIN only after you have got the card.
If you don’t have OP’s user ID, you can make an order via chat (in Finnish) or by phone by calling customer service for cards. The chat is open longer. Manage card-related matters in the chat on weekdays from 8.00 to 22.00. We will debit a charge based on the list of charges and fees for the PIN sent by post.
See our Customer Service contact information
If your PIN code is compromised, in other words, an outsider has learned your PIN or you suspect that this is the case, you must deactivate your card and order a new card, at which point you will also get a new PIN. Deactivate your card immediately by calling OP Deactivation Service on 0100 0555 (available 24/7). You’ll be automatically ordered a new card and PIN when you call the Deactivation Service.
Changes to the card – How do I add K-Plussa to my card?
You can add the K-Plussa feature free of charge to OP Classic, OP Gold, OP Platinum, OP Debit, OP Basic and OP Duo payment cards on the op.fi service or OP-mobile. In practice, this means that we will send you a new card with the K-Plussa feature to replace your old card. If you would like to add the Plussa feature to your card, follow these steps:
1. If you use the op.fi service, Log in with OP’s user IDs and go to Omat kortit (My cards).
2. Select the card to which you want to add the K-Plussa feature.
3. Go to Asetukset ja tiedot (Settings and details) – Kortin ominaisuudet ja toimitus (Card features and delivery) – Tilaa kortti, jossa on K-Plussa (Order a card with K-Plussa).
1. If you use OP-mobile, go to Accounts and cards.
2. Select the card to which you want to add the K-Plussa feature.
3. On the top of the page, select the settings symbol – Add K-Plussa to your card.
OP-mobile will then move you to the op.fi service where you can continue the process and provide your personal K-Plussa number. When you add the K-Plussa feature to your card for the first time, you can change your card’s design free of charge at the same time.
You’ll get the new card with the K-Plussa feature by post within 1–2 weeks. Your card’s PIN will remain the same. Choosing a card delivery to your home is the quickest way to get the card.
Features – What does the Product Protection Insurance included in the card cover?
Product Protection Insurance is included in an owner-customer’s credit card. It’s automatically included in the following cards held by owner-customers: OP Classic, OP Gold, OP Platinum and OP Duo.
Product Protection Insurance protects credit and debit purchases made with an owner-customer credit card against breakage or theft. OP Gold, OP Platinum and OP Duo card covers the protection from the purchase date, OP Classic cards for six months of the purchase.
Read more about Product Protection Insurance
In the event of loss or damage, file a loss report
If the product is defective, contact the seller. If the product gets broken, file for compensation from Product Protection Insurance. File a loss report on OP-mobile or op.fi. You can also report the loss by calling our Claims Settlement service line.
Paying with the card – With which cards can I shop online?
It’s advisable to pay online purchases with a credit card. You’ll need an OP user ID and Mobile key to confirm payments.
If you have the K-Plussa Maksuaika card, you’ll only need Mobile key to confirm payments. You can start using Mobile key if you have any bank’s user identifiers.