Mobile payment

Make your everyday life easier and start using OP’s mobile payment services for free.

Pay easily and securely with your smart device

Mobile payment means paying with a smart device in different everyday situations. Mobile payment is fast, easy and secure.

Examples of mobile payment include:

  • Transferring money from one person to another by using a phone number
  • Paying by smartphone or smartwatch at a store checkout
  • Paying by smartphone in online stores and apps


Start using OP’s mobile payment services

Benefits of mobile payment

Quick and easy

  • You only need a smartphone or smartwatch to pay for your purchases – you don’t need to dig up OP's credentials or payment card details.
  • When transferring money by using a phone number, money moves at best from one account to another in real time.
  • You can use the phone’s contactless payment at a store checkout to also pay for purchases of over 50 euros.
  • Payment doesn’t require a physical card; you can pay even if you left your wallet at home or your card isn't nearby.


  • You can transfer money from one person to another within the daily and yearly payment limits. These include a card’s, an account’s or a mobile app’s spending/withdrawal limits.
  • When paying online, you don’t need to give your payment card details or personal ID code to the online store.
  • At a store checkout, you don’t need to touch the card reader or handle cash as you can pay for your purchases hygienically with a mobile payment app. And since you don’t need your card’s PIN code either, no one can steal a look at it.
  • You will confirm transactions using face recognition or your fingerprint or PIN code, when needed.

What if I lose my smartphone?

Contact OP Deactivation service at +358 100 0555.

Pay easily and safely in all everyday situations. Read more and download Pivo from you app store!
Siirto payment
The Siirto payment enables you to send money easily and securely with just a phone number. Learn more and activate Siirto!

Apple Pay is provided by Apple. Google Pay is a trademark of Google LLC. Pivo is provided by Pivo Wallet Oy, which is a part of the OP Financial Group. The Siirto service is enabled by Automatia and the Siirto payment is provided by OP Retail Customers Plc.