Banking services for people over the age of 18

Many things change when you turn 18 – including your banking and insurance matters. As an adult, you are now in charge of your finances. If, for example, a bank account or a mutual fund account has been opened for you earlier as a gift, you will get full control of them.

Your guardians' access rights will be automatically removed from your Current Account, but you can return the rights if you wish. After this, you can still manage the access rights for your other services as well. You should discuss this together to ensure that you continue to get any support you need for banking.

Your card will be renewed automatically

If you already have a card, it will expire four months from your month of birth. However, the card will be renewed automatically so you don’t need to place a separate card order.

If you wish, you can change the card design or PIN free of charge. You will receive a notification in the card details in OP-mobile and the op.fi service when these changes can be made. If you do not have an OP user ID, you can contact the Customer Service for any changes.

We are always here to help

We support you in taking care of your finances at all stages of your life. It is very important for your future that you keep your credit history flawless and your finances in order. Get started with saving and investing when you’re young. It’s a great way to prepare for your future.

If you have any questions about financial matters, please book an appointment with us – we’ll be delighted to advise you.

You can enjoy daily services free of charge until you turn 26:

Book an appointment

OP's user ID

With an OP user ID, you can verify your identity and pay conveniently online.

OP Debit

Payment card always with you!

OP-mobile

Use your phone to check your account balance, start investing in funds, and pay friends by Siirto payment.

Mobile payment

Mobile payment services for easy payment by phone, regardless of your location. Add your card to Apple Pay or Google Pay.

Make the most of owner-customer membership

By becoming an OP cooperative bank owner-customer, you will get benefits and discounts and earn OP bonuses for using our services. For example, you will get the daily services package, including a card, free of charge until you turn 30. You can become an owner-customer online by paying the member cooperative contribution.