Accounts and saving money into an account

Own accounts and using the accounts

• View your own accounts

   
• Learn more about the interest rates of accounts

   
• Opening a bank account for a child

   
• Switch your salary to OP Pohjola

   
• Closing an unnecessary account

   
• FAQ about accounts

   

Benefits and news

what's new

3.10% annual interest rate on a 12-month fixed-term deposit

The annual interest rate for a 12-month Fixed-term Savings Account is currently 3.10% (on 6 October 2026). The account interest rate is determined on the deposit date. You can compare the effect of the deposit period on the interest rate when opening the account on OP-mobile or at the op.fi service.

Learn more and open a Fixed-term Savings Account  

Save for your first home flexibly and with clearer rules

The ASP system has been reformed. Read more about the changes and open a free ASP account online.

Read more about the ASP account  

Are you not yet and OP customer? Open customer relationship online

You'll get a Current Account and a card of your choice when you become an OP customer. In addition to the Current Account, you can also open other accounts online when you are an OP customer.

Learn more and become a customer of OP  

Tips on saving into an account

Save money even without noticing through microsaving

Using Money Box, you can save for a rainy day, determine savings targets and invest in a mutual fund. Just choose the amount transferred to Money Box every time you pay with a card.

Learn more about Money Box  

Deposit your savings into an account with a higher interest rate

Savings accounts earn a higher interest rate than, say, the Current Account. In addition to interest rates, compare the deposit periods of account, in other words, how long your savings stay in the account.

Learn more about savings accounts  

Start investing in mutual funds alongside saving into an account

Savings in your accounts act as a good buffer and gives security when you start investing in funds. The sooner you start, the more time you have to benefit from investing in mutual funds.

Learn more about investing in mutual funds  

Smooth and secure use of accounts

Track and manage your account affairs easily on OP-mobile

For example, OP-mobile notifications show in real time the transactions of your accounts. You can also easily view and edit your accounts.

Learn more about OP-mobile  

Balance your personal finances

Our My finances services are at your disposal in case you want to better understand your income and expenses or find a way of saving that works best for you.

Learn more about My finances services  

View your account transactions by SMS

OP Account SMS sends a message to your phone whenever money is either taken from or paid into your account. If you like, you can also see your account's balance in the message.

Read more about OP Account SMS  

Find all your account transaction in the same place

By means of an online bank statement, you can conveniently find all your account transactions for the last 6 years in the same place.

Change a paper bank statement to an online bank statement  

Account security limits protect your money

When you set security limits for your account, you protect the money in your account regardless of the payment method. You can easily edit the security limits on OP-mobile if needed.

Log in and edit security limits  

Accounts and OP Account SMS is provided by OP cooperative bank whose main line of business is banking. OP-mobile is provided by OP Pohjola.