Support for personal money management

We’ll be there for you when your cost of living goes up.

Lately, the cost of living has gone up considerably, which impacts on daily life. Concern about personal money management and keeping costs in check are present in many people’s daily lives. We encourage you to contact us when you need support in managing your household expenses.

On this page, we have listed various options to provide you with flexibility and protection for your banking and insurance services. Also read more about our services that help you balance your finances.

Flexibility in banking and insurance services

More payment time for insurance bills

If you can’t pay your bill by the due date, you can apply for more payment time for it in the op.fi service or on OP-mobile.

Security for different situations in life

Security for the future

Have you thought about how to prepare for life’s surprises? By planning ahead, you can secure your loan repayment ability if you fall ill or become unemployed, and protect your loan against rising interest rates.

Flexible home loan

Did you know that your home loan will adapt to your life situation? If life brings you challenges, you can apply for a change in your loan repayment plan.

Insurance based on your life situation

It’s a good idea to check your insurance cover regularly to make sure that it is up to date, with no unexpected gaps or overlaps.

Daily banking services

As our owner-customer, you will get daily banking services without monthly charges until the end of 31 December 2025.

Manage unexpected everyday situations easily

Make sure that you have cash to cover day-to-day expenses. There are many ways to prepare for surprise expenses or changes in income.

Services for managing finances

Talouden tasapaino OP

My financial balance

How much do you spend on necessities, how much on fun? Any money left over for savings? Check your financial situation on OP-mobile!

Toistuvien menojen hallinta OP

Subscription management service

Do you know all your recurring expenses? You can see the amounts spent on streaming services, subscriptions and other continuous subscriptions through OP-mobile in a single view.

OP Sijoituskumppani

OP Investment Partner

Easy investment service that inspires you to reach your investment target. Start using the service on OP-mobile.

Säästölipas OP

Set savings targets for yourself and save automatically when you pay with your card. Start using Money Box on OP-mobile or the op.fi service.

OP Multi-bank Service

You can view your payment accounts with another bank on OP-mobile and the op.fi service. Read more about OP Multi-bank Service.