OP Debit
With OP Debit, you can pay your purchases and withdraw money directly from your account. This card is intended for people over 15 years old.Are you over 18? We recommend our combination card for you
A combination card is both a debit and credit card. When buying online or paying bigger purchases, having a combination card has its advantages.
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Pay your purchases wherever you are
With an OP Debit card, you pay your purchases in Finland, abroad or online always directly from your account. You can also withdraw cash in Finland and abroad.
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Ideal card for a joint family account
Grocery shopping becomes easier if you have a joint family account. Link debit cards to it and everyone can pay groceries directly from the same account.
Payment with OP Debit
- The debit feature means that payments are always directly debited from your account. This card has no credit feature.
- 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.
- You have the option to include the K-Plussa feature to this card, to reduce the number of cards in your wallet.
- Add your card to Apple Pay, Google Pay™, Samsung Pay or Garmin Pay to pay easily with your smart device wherever you are.
- You can set various spending and withdrawal limits for the card's use: for cash withdrawals, swiped payments, and online and in-app payments.
- If you open Money Box and enable Auto Save through card, your savings will add up every time you pay with your card. Note that Money Box is only available for customers over 18, because it allows investing in mutual funds.
Charge for OP Debit
For people under 26, one card and daily banking services are free of charge. For other OP customers, the monthly charge for OP Debit is 2.75 euros.
For OP cooperative bank's owner-customers, the monthly charge for daily banking services is 3.95 euros. This includes an OP Debit card, current account, OP-mobile and the op.fi service (in Finnish and Swedish). For owner-customers, the bank’s service charges are primarily paid from OP bonuses.
Edit your card’s features easily
Go to OP-mobile or op.fi to change your card’s spending and withdrawal limits.
Information about the card
The card is granted by OP Retail Customers Plc.