Become an OP customer

As an OP customer, you get all your banking and insurance services from one bank, making your daily use of services easier. 

Once you've become our customer, you can also become an OP cooperative bank owner-customer and get benefits and valuable OP bonuses. As an owner-customer, you get discounts on banking, insurance and savings and investment services – and will have more to spend on other things.

Have a look at the banking services we offer and read more about the services that suit your life situation.

Get banking services digitally

Enable use of our daily banking services and get access to a Current Account, diverse digital services, an OP user ID and a card. 
You can submit an application digitally if

  • you are of age
  • you are a citizen or dual citizen of a European Economic Area (EEA) country
  • you have a permanent address and domicile in Finland
  • your credit history is in order, and you do not have a voluntary credit ban
  • your name or personal ID code are not on a sanctions list.

You'll need Finnish banking user identifiers and about 15 minutes of time to fill in the application.



Did you receive a message from us and come to get your user ID?

Get user ID

Enable banking services for a child

Children and young people get daily banking services free of charge. You can open a Current Account for a child, and if the child is over the age of 7, you can also order a card and get an OP user ID for digital services for them. 
You can enable banking services for a child digitally if

  • the child has a personal ID code and registered name
  • you have an OP user ID
  • the child's other guardian has Finnish banking user identifiers
  • the child has Finnish citizenship or dual citizenship
  • the child has a permanent address and domicile in Finland
  • the name or personal ID code of the child or parent is not on a sanctions list.

You should reserve about 15 minutes for completing the application.

To order a card, you'll need the personal phone number of the child, and the child must have a valid identity card or passport.
If the child has more than one guardian, the other guardian must sign the completed application on the service.

Have you moved to Finland?

Get Finnish banking user identifiers. When you become OP's customer, you get a Current Account, an OP user ID for digital services and a card. 

To enable banking services, you'll need

  • a Finnish personal ID code 
  • a Finnish address that is registered to the Digital and Population Data Services Agency
  • a residence permit if you came to Finland from outside the EU
  • a valid ID document
  • to be aged 18 or over.

Fill in the preliminary information form below to start the process of enabling banking services. The information and documents you provide will be needed when you meet our staff at a bank branch. You’ll need to come to a bank branch and apply in person to properly activate your customer status.

Apply for a home loan

You can apply for a home loan to buy a home or transfer your existing home loan. 

The steps of the home loan application process:

  • start by filling in the loan application online
  • our expert will be in touch with you 
  • if you are buying a new home, let us know when you find a suitable home
  • you'll get a binding loan offer and can then make a purchase offer on the home.

If you are not an OP cooperative bank customer yet, you can use another bank's user identifiers to apply for a home loan.

Shopping around for a home loan pays off – it will not bind you in any way or result in any costs. Start shopping around by filling in the loan application.


Become a corporate customer

As our new corporate customer, the Corporate Services Starter Package is available to you, enabling you to conveniently manage your company’s banking matters.

You can fill in the application online if:

  • you have an OP user ID
  • your customer information is up to date in My profile
  • you are of age
  • you are authorised to sign for your company alone or together with another person
  • your company is currently in operation and is a limited liability company or you are a private trader 
  • your company is only liable to pay tax in Finland
  • your business consists mainly of non-investment activities.


Visiting a branch

If you can't enable new services digitally and need our experts' help, you can book an appointment with a branch.

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

Becoming an owner-customer and member contribution

Your current customer relationship and any user ID in your use affects you becoming an owner-customer.

  • If you are an OP cooperative bank’s customer and have OP’s user ID, you can become an owner-customer by logging into the service. Become an owner-customer
  • If you are an OP cooperative bank’s customer but you do not have OP’s user ID, start by booking an appointment Book an appointment
  • If you are not an OP cooperative bank’s customer but you have another bank’s user identifiers and are interested in becoming an OP cooperative bank’s customer, become our customer online Become our customer easily online

Membership cooperative contribution

When joining us, you will pay an ordinary cooperative contribution as a one-time contribution, no other payments exist. In most banks, the amount of the membership cooperative contribution is 100 euros. You can find the amount of the membership cooperative contribution on the owner-customer application and in your OP cooperative bank.

If ever you decide to stop being an owner-customer, your membership contribution will be refunded to you in full. The cooperative contribution will be refunded after one year has lapsed from the end of the financial year during which the owner-customer membership was terminated.

However, OP cooperative banks have the right to refuse to refund the contributions according to the bank's rules. You can check the rules of the OP cooperative bank on the bank's page or in the head office.

Who can become an owner-customer?

Any person, entity or foundation using OP Financial Group’s services, irrespective of their nationality, can become an owner-customer.

Child as an owner-customer

A child can become an owner-customer. All guardians of the child sign together their underage child’s application for an owner-customer membership. By doing so, the parents also give their consent that their child will begin to earn OP bonuses.

If the membership contribution is paid using proceeds of the child’s own work, the child can him/herself sign the membership application and pay the membership contribution.

Owner-customer terminates the membership

The owner-customer has, at any time, the right to terminate their owner-customer membership by informing their OP cooperative bank of this in writing. The owner-customer membership termination date is the date on which the OP cooperative bank has received the termination notice.

Death of owner-customer

An owner-customer membership will terminate on the death of the owner-customer. In the distribution or partition of the deceased person’s estate, the death estate can transfer the deceased person’s owner-customer membership, generally either to widow/widower or heir.

Insurance based on your life situation
It’s a good idea to check your insurance cover regularly to make sure that it is up to date, with no unexpected gaps or overlaps.
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My financial balance
How much do you spend on necessities, how much on fun? Any money left over for savings? Check your financial situation on OP-mobile!
Toistuvien menojen hallinta OP
Subscription management service
Do you know all your recurring expenses? You can see the amounts spent on streaming services, subscriptions and other continuous subscriptions through OP-mobile in a single view.