Become OP's customer
Become our customer easily online
On application, you will get a current account and a user ID for OP eServices. You can also use the user ID to authenticate yourself in other online services.
The current account will be free of charge for owner-customers. For other customers, a monthly charge of 2 euros will be applied. The charge for OP user ID is at the most 3 euros a month.
You can obtain a card and owner-customer membership once you have an account and an online service user ID.
You can become our customer without visiting a bank branch
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if you are a Finnish citizen of at least 18 years of age
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have a permanent address in Finland
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have a good credit history.
For the application you will need
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about 15 minutes of your time
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another bank’s online banking identifiers
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a phone with the capability to receive SMSes.
Don’t have another bank’s online banking credentials or a phone that can receive SMSes?
When it is not possible to apply for customer relationship online?
Read more about becoming OP’s customer >The steps of becoming a customer
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Fill in an application online.
Takes about 15 minutes -
You will receive an SMS about the approval of your application.
Within two weekdays -
The account and eServices agreements are saved at op.fi, and you will receive a key code list by post.
After your application has been approved -
You will receive a new OP user ID when you authenticate yourself again by using the other bank’s online banking identifiers. You will need your user ID and the key code list for logging into OP eServices.
After you have received the key code list -
Once logged in with OP user ID, you can obtain a card, owner-customer membership and access to a range of other OP services
On OP mobile or online
Thinking about switching banks? We can handle the practical issues for you
Book an appointment. Our experts will help you to switch banks and transfer all your banking over to OP.
You can read more about the processing of personal data in the privacy notice of OP cooperative bank's customer data file.