Two cards for smooth daily life
OP Duo is the ideal companion for a Visa card issued by OP.
As an OP cooperative bank owner-customer, you get OP Duo at a special low price.
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Two cards for daily peace of mind
If one card is suddenly lost or breaks, the other will save the day.
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Keep better track of your spending
Pay for daily shopping with one card and use the other for online buys and streaming services. This will give you a clearer picture of how you spend your money.
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Keep track of your money matters the easy way
By having both cards with your own bank, you can easily view all transactions in OP-mobile and the op.fi service.
Don’t have an OP Visa card yet?
Learn more about OP’s range of payment cards| OP Duo: prices | Price |
|---|---|
| As part of the owner-customer’s daily services package*, if you already have an OP Visa card (OP Debit, OP Classic or OP Gold) | €2 per month |
| Part of the daily services package for Owner Plus customers, if you already have an OP Gold card | €2 per month |
| Without the daily services package or an OP Visa card | €4 per month |
*Daily banking services package includes a current account with an online bank statement, OP's digital services and payment card. As an OP cooperative bank owner-customer, you’ll get services at a lower monthly cost. For owner-customers, the service charges are primarily debited from OP bonuses.
| Interest and charges | |
|---|---|
| Interest if the bill includes interest-bearing credit | 3-month Euribor + 8.95% |
| Monthly account service charge if the bill includes interest-bearing credit | €3.50 per month |
| Paper invoice surcharge if paper invoices are selected instead of e-invoices | €3 per invoice |
The effective interest rate calculated for used credit of 2,000 euros is 19.51 % when the credit interest rate is 3-months euribor + 8.95 % (2.05 %, 10/25), the card’s monthly charge is 4.00 euros, the monthly account service charge is 3.50 euros, and free of charge e-invoicing is in use. The calculation does not take into account the owner-customer's or other discounts. The estimated total amount payable is 2 182,15 euros. This calculation is based on the assumption that the credit period is one year and the entire credit has been drawn, credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly installments.
The card is issued by OP Retail Customers plc. Scam Protection is issued by F-Secure. Product Protection Insurance is issued by Pohjola Insurance Ltd.