Become OP's customer
Become our customer easily online
You can become our customer without visiting a bank branch if you are a Finnish citizen of at least 18 years of age, have a permanent address in Finland and a good credit history. After approval of your application, you will get a current account and OP user ID for logging into OP’s services and other services requiring online logins.
A current account is free of charge for owner-customers. For other customers, a monthly charge of 2 euros applies. The charge for an OP user ID is 3 euros a month at most.
You can obtain a card and owner-customer membership once you have an account and an online service user ID.
Would you like to change bank?
To switch electronically from your old bank to our services, you must first become an OP customer. To change bank, you will need details on your current banking services.
If you are comparing loans between providers, begin by completing an online loan application.
The steps to becoming a customer
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Fill in the application online. To fill in the application, you will need around 15 minutes of time, your online user ID for the other bank, and a telephone on which you can receive SMSes.
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You will receive an SMS on the approval of your application within two working days.
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Once your application is approved, a key code list will be sent to you by post and the related agreements will be stored on the op.fi service.
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You will receive an OP user ID after approval of your application. To log into OP’s services, you will need both a key code list and an OP user ID.
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After logging in, you can gain access to other OP services, such as card use or owner-customer membership.
Are you unable to become an OP customer online? Book an appointment.
Learn more about becoming an OP customer
For more information on how we process personal data, see the Privacy Notice in OP Financial Group cooperative bank’s customer data file.