Siirto payment

Send money easily and securely, with just a phone number.

All you need is the payee’s phone number

To make the payment, you only need the payee’s phone number – you don’t have to know their account number.

Money moves from one account to another in a few seconds

The Siirto payment enables transfers of money in real time, regardless of the time or day, as long as the receiver's bank supports real time payments.

Safe to use

Siirto is a Finnish mobile payment system where all users are strongly identified. You always know with whom you exchange money.

Siirto already has over 1 million users in Finland

Over 1.4 million people in Finland already use Siirto payments. You can make Siirto payments to OP-mobile, Pivo and Nordea's Siirto application users.

Enable Siirto payments on OP-mobile

To enable Siirto payments, open OP-mobile and go to settings.

How to enable Siirto payments

  1. Download OP-mobile on your smartphone. Log in using your OP user ID and the key code list.
  2. On OP-mobile, go to More.
  3. Select Settings.
  4. Select Siirto payments and follow the app’s instructions.

Siirto payment is convenient in many situations

Siirto payments can be used for many purposes. You can pay your share of a group gift, transfer money to your spouse or child or pay a purchase on an online flea market with just a phone number. There’s no need to remember any account numbers. With the Siirto payment, you can send any amount up to 3,000 euros.

With Siirto, you can also pay in many online stores and apps. As OP’s customer, you can pay with Siirto in all online stores which offer Siirto or Pivo as a payment method. Online payment with Siirto is not only easy but also secure: you don’t need to give your payment card details or personal ID code to the online store.

How to make a Siirto payment on OP-mobile

  1. Log into OP-mobile and select New payment.
  2. Select Use phone number.
  3. Enter the payee’s phone number or select a payee from your phone’s contacts.
  4. Enter the amount. You can also write a message if you like.
  5. Confirm the payment.

You can also send a payment request to someone. To do so, start adding the amount and then select Request.

You can make Siirto payments to OP-mobile, Pivo and Nordea's Siirto application users.

I made a Siirto payment. When will the payee receive it?

The payee will receive a Siirto payment in real time if they have an account with a bank that supports real-time payments (SEPA instant credit transfer). Most Finnish banks support real-time payments.

Is sending or receiving Siirto payments subject to a charge?

Sending and receiving Siirto payments is free of charge for our personal customers.

From what payment instrument will Siirto payments be debited? Can I change the payment instrument?

Siirto payments will be debited from an account. You can decide the account to/from which Siirto payments will be made. Go to OP-mobile settings to check and change the account you have linked to Siirto payments.

What is the maximum amount that I can send to another person through Siirto payment?

The maximum amount for Siirto payments is 3,000 euros per 24 hours or 30,000 euros per 12 months. The spending/withdrawal limits that you have set for your account also apply to Siirto payments.

What do I need to make Siirto payments on OP-mobile?

To enable Siirto payments on OP-mobile, you will need:

  • a smartphone or tablet on which you have downloaded OP-mobile
  • OP User ID
  • a mobile phone number
  • a current account

Please notice that you need to be at least 15 years old to use Siirto payment.

Can I cancel a Siirto payment I have made?

You can’t cancel a Siirto payment, it will be forwarded to the payee’s account right away. Before confirming the payment, make sure that the payee’s mobile phone number is correct. If you try to make a Siirto payment to a person who has not enabled the Siirto service, OP-mobile will inform you about it.

What should I do if I lose my mobile phone?

It is not possible to make payments with OP-mobile without logging in the application. Thus, it is not necessary to disable Siirto payments unless your OP User ID, your Mobile key PIN for OP-mobile has fallen into the wrong hands.

However, if you wish, you can disable Siirto payments and your OP User ID, please call OP Deactivation Service, tel. 0100 0555 (24/7).

Are you looking for information on how to pay with Pivo?

You can find more information on Pivo’s own website (in Finnish).


The Siirto service is enabled by Automatia and the Siirto payment is provided by OP Retail Customers Plc.