In support of your everyday account transactions

Authorities often need receipts or bank statements for certain account transactions for the purposes of taxation, for example. You may also need to attach a bank statement to a Kela application. If you want to attach a bank statement to an online Kela application, you can easily save the bank statement as a file to your computer or device and then attach the file to the application.  

Bank statements

If you have OP’s user ID for digital services, you can view bank statements on the op.fi service and OP-mobile. 

If you use the op.fi service, do as follows: 

After logging into the op.fi service, you can retrieve one bank statement at a time, covering between one year and one day. 

1. Log in and save or print a bank statement
2. Select the account for which you want a bank statement. Go to the menu to open a list of your currently used and closed accounts. Closed accounts are at the end of the list.
3. You will find automatically generated bank statements for each month under Automatically generated bank statement. Each bank statement opens as a PDF on a new tab. Make sure that you have enabled pop-ups in your browser settings.
4. You can create a bank statement of your own by selecting the period of your choice. Select a period from the Calendar view or enter numerical dates in the search view. Continue by retrieving the account details. You will find the bank statement under Your online bank statement. The bank statement will open as a PDF on a new tab. Make sure that you have enabled pop-ups in your browser settings.
5. You can save the bank statement as a file or print it out on paper. For example, when using the Google Chrome browser, you will find the commands for saving and printing a file in the browser menu.   
6. If you download the file, a window opens in which you can select where to save the file. Select the desired location and save. 
7. If you want to attach the bank statement as a file, for example, to a Kela application, then in the Kela application, select the file from the location where you saved it. 

If you presently receive bank statements on paper, you can activate the online bank statement by logging into the op.fi service.

Switch from paper to online bank statement here

If you use OP-mobile, do as follows:

1. Log into OP-mobile.
2. Select the account for which you want bank statements.
3. Go to Account settings by tapping the gear icon.
4. Select Bank statement.
5. Select which year’s bank statements you want to view.
6. Select which month’s bank statements you want to view.
7. The account statement opens in pdf format. You can save the bank statement as a file to your device.

On OP-mobile, you can view monthly bank statements.

If you have another bank’s user ID, do as follows: 

If you have not yet entered into an agreement on OP’s digital services, you can do that at login. When entering into the agreement, paper bank statements are automatically replaced with online bank statements for regular accounts. Please note that paper bank statements are replaced with online bank statements within 24 hours after activating the service. You can retrieve bank statements from the last 18 months in the service. Each month’s bank statement is available as a separate PDF file.

1. When logging in, select Log in with another bank’s user identifiers and select the bank in question.
2. Proceed to log in as per the given instructions. 
3. To view bank statements, select Money - Bank statement from the navigation bar at the top of the page.
4. Select the account and then the desired month’s bank statement. By clicking the selected month’s bank statement, it opens in a new window as a pdf file. Pop-up windows must be allowed. 
5. You can save the bank statement as a file or print it out on paper. In the Google Chrome browser, for example, the selections for saving and printing a file are shown in the page’s upper right corner. 
6. If you download the file, a window opens in which you can select where to save the file. Select the desired location and save. 
7. If you want to attach the bank statement as a file, for example, to a Kela application, then in the Kela application, select the file from the location where you saved it. 

If you need bank statements older than 6 years, do as follows: 

Online bank statements are available on the op.fi service free of charge for the past six years and account transactions for the past two years. If you need older bank statements or if you want them to be printed at a bank branch, we can deliver those to you at your request. For this, we will charge a fee based on the list of service charges and fees. You can request a bank statement by sending a message on the op.fi service. Select Accounts and payments as the topic of the message. Note that bank statements older than 10 years cannot be retrieved.

To order a bank statement, please specify the account number and the period of time that the bank statement is to cover. We can deliver bank statements by post or to a bank branch of your choosing for pickup.

Log in and send a message 

Authorities often need receipts or bank statements for certain account transactions for the purposes of taxation, for example.

You can browse your account transactions for the past 24 months free of charge in Transactions Feed.

You can also easily print the receipt you need. Just click the relevant transaction and select Functions - Open receipt. To search transactions by the recipient’s name, click Search transactions.

How to close your account if you have an OP user ID

If you have OP’s user ID, in most cases, you can close your account by logging into op.fi or OP-mobile. In the op.fi service, you can close your Current Account, Money Box, Savings Account, Growth Return Account, Step-up Account, Special Purpose Account, Continuous High-yield Account or ASP Account. On OP-mobile, you can close your Current Account, Savings Account, Growth Return Account, Step-up Account, Special Purpose Account and Continuous High-yield Account.

You can’t close an account in the op.fi service or on OP-mobile if the account is your last one with OP, or it is a joint account. In these cases, read our more detailed instructions.

Log in and close an account

Read more detailed instructions

How to use a user ID issued by another bank to close your account

You can log into the op.fi service using another bank’s identifiers too and close your account via the service.

Log in and close an account

You can also contact us via chat at op.fi (in Finnish). During the chat, you can use a user ID issued by another bank to verify your identity: in most cases, our customer service will be able to close your account during the chat, once you have verified your identity. 

If your account cannot be closed via chat, you can call our Customer Service.

Read more about closing an account

How to close your account if you do not have a user ID with any bank

If you would like to close an unnecessary account and you do not have a user ID with any bank, please contact our Customer Service by phone. Our Customer Service will advise you on how to close the account.

Go to Customer Service page

Adding or removing account’s access right at op.fi 

In most cases, you can change the access rights to the following accounts in the op.fi service: Current Account, Growth Return Account, Step-up Account, Special Purpose Account, Continuous High-yield Account and Fixed-term High-yield Account.

How to change the access rights to your account:

1. Log into op.fi with your OP user ID and go to account details.
2. Select the account whose access rights you want to change.
3. On the page, go to Ownership and access rights.
4. Select either Add an access right or Poista käyttöoikeus Remove an access right. To add an access right to a person, you need their name and personal ID code.

Please note that it is not possible to add account access rights to a joint account in the op.fi service. In this case, please see the instructions under the heading "How to add account access rights if the authorised person is not OP's customer or the account is a joint account".

​Log in and go to account details

Don't have an OP user ID? If you don't have an OP user ID and want to grant another person access rights to your account, you need to book an appointment at the bank. To remove an access right, you can call our Customer Service on 0100 0500 (local/mobile network rate).

Book an appointment

Adding account’s access rights if the authorised person is not OP's customer or the account is a joint account

Do you want to add access rights to your account, but the person you wish to authorise is not OP's customer? In this case, you need to message us requesting us to add the access rights. You also need to ask the person you wish to authorise to book an appointment at an OP cooperative bank, where their identify will be verified.

In your message, please include the following information:

• the number of the account to which the access rights will be added
• the name and personal ID code of the person to be added
• the type of access right: 1. rights to obtain information or 2. extensive access rights and rights to obtain information.

If you give a person the rights to obtain information, they can obtain information of your account and can order a bank statement at OP branches and through digital services. The person does not have the right to access the money in the account.

If you give a person the extensive access rights and rights to obtain information, they can use your account and obtain information of your account at OP branches, through digital services and the telephone service. The person can withdraw money from your account and make credit transfers.

When adding access rights to a joint account, we need consent to add the rights from all account holders. If all of the account holders have an OP user ID, you can use the message template above and message us in the op.fi service, OP-mobile or chat.

Log into op.fi and send a message

Preauthorisations ensure that your account has enough money for paying your purchases. The seller puts a hold on the purchase amount on your card as a preauthorisation before the actual payment transaction takes place. Note that even though the preauthorisation is not a payment transaction you cannot use the funds put on hold. The preauthorisation is removed when the money is debited.

You can monitor the preauthorisations in the Transactions Feed when you have logged in to the op.fi service. In the Transactions Feed you will see any preauthorisations and you can check their contents. Click on the preauthorisation to see more details of the purchase events that make up the preauthorisation.

The account’s balance certificate shows the current day’s balance at the moment of query, in the case of death the balance on the date of death and in the case of a distribution the balance on the date of distribution. You may need a balance certificate for the distribution of an estate, pledging or for other cases where your wealth has to demonstrated. You can check the account’s current balance free of charge when you log in to the op.fi service or OP-mobile.

The account’s interest certificate shows the deposit interests that have accrued on the account by the said date but which have not yet been paid to the account. You can check the deposit interest of your account free of charge when you log in to the op.fi service and go to: Account information - Deposit interest.

Go to account details

The most convenient way to order a balance and interest certificate is by a message. Please indicate in the message the account number and the date for which the certificate is needed. Note that ordering the account’s balance and interest statement is subject to a charge.

Log in and send a message