Switching from your old bank to OP – become our customer

Would you like to switch banks or become our customer in another way? Read more about why it’s worth banking with us and apply easily online.

When you demand responsibility and stability from your banking services, choose our domestic bank. As our customer, you will get banking, financing, real estate agency, insurance and investment services under one and the same roof. You can become an OP cooperative bank owner-customer as well. In that way, you will get discounts on banking and insurance services as well as OP bonuses which only owner-customers can earn. OP bonuses will be automatically used to cover, for example, banking service charges and insurance bills.

Furthermore, as an OP cooperative bank owner-customer, you will get additional benefits in autumn 2023. You will get daily banking services without monthly charges from 1 October 2023 until 31 March 2024. The interest rate on your Current account will also rise to 0.25% on 1 November.

How to switch your banking to OP

  • If you are an EEA citizen of at least 18 years of age, have a permanent address in Finland and a good credit history, fill in an application online.
  • You will receive a current account and access to OP's digital services. A current account is free of charge for owner-customers and those under 26 years. For other customers, a monthly charge of 2.50 euros applies. The charge for an OP user ID is 3.00 euros per month at most.
  • At the same time, you can become an owner-customer by paying the member cooperative contribution. This will bring you all the benefits available to our owner-customers.
  • After you become our customer, we will help you terminate the services of your current bank. To do this, you will need details on your current banking services.

Would you like to switch your loan to OP? Start by filling in a home loan application. We can also put any consumer credit matters in order at the same time. 

Learn about transferring loans

Did you move to Finland and want to become our customer?

Read how you can become our customer if you have just moved to Finland

The steps to becoming a customer

  • Fill in the application online. You will need around 15 minutes of time, your online user identifiers for a bank, and a phone on which you can receive SMSes. You will be able to transfer money to your new account the day after the account was opened.
  • You will receive an SMS on the approval of your application within two working days. In the SMS, you will be instructed to return here to the Become OP’s Customer service and verify your identification again through the Become our customer button to receive an OP user ID.
  • Once your application is approved, we will send you a key code list by post and store the related agreements on the op.fi service.
  • You will receive an OP user ID after approval of your application. To log into OP's services, you will need a key code list, username and password.

What if I can’t apply for customer relationship online?

If you can’t apply for customer relationship online, contact us and book an appointment at a branch.

Book an appointment

For more information on how we process personal data, see the Privacy Notice in OP Financial Group cooperative bank’s customer data file.

See our Privacy Notice


Our switching service for payment accounts provides you with support in measures related to switching an account to OP.