OP Basic
OP Basic is a well-suited debit card for children over 7 years old.-
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Account always up to date
The account’s balance is checked during each card payment. All payments are debited directly from the account. This card has no credit feature.
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Secure debit card for children and young persons
With OP Basic, children can securely start practising spending and card use. It's advisable to set spending and withdrawal limits for the card.
Paying with OP Debit
- This card uses only the debit payment feature. Purchases are always debited immediately from the account.
- When a purchase or withdrawal is made with this card, the account balance is always verified. To check the card’s balance, the payment reader needs a connection to the bank. However, a connection is not always available, which is why paying with this card is not always possible on trains, ships or aeroplanes.
- You can use contactless payment for all card purchases. Purchases of over 50 euros have to be confirmed by entering your PIN in the card reader, but you do not need to insert your card in the reader.
- K Group's Plussa feature is available for this card.
- To pay online or in apps, the card user needs to have OP's user ID.
Security
- Spending and withdrawal limits can be set for the card's use: for cash withdrawals, swiped payments, and online and in-app payments.
- When a parent has an access right to the child’s account, the parent can see the account on their OP-mobile and online bank and can conveniently transfer money to the account.
- The best way to manage the account and spending is to keep only a reasonable amount of money on the account. It's advisable to set appropriate security limits for both the account and the card.
Charge for OP Basic
For under 26-year-olds, there is no charge for our daily banking services. This includes one debit card, current account, OP-mobile and the op.fi service (in Finnish and Swedish).
For other customers, the monthly charge for OP Basic is 2.75 euros. For owner-customers, the bank’s service charges are primarily paid from OP bonuses.
Information about the card
The card is granted by OP Retail Customers Plc.