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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.

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.

For the application you will need

  • about 15 minutes of your time
  • another bank’s online banking identifiers
  • a phone with the capability to receive SMSes.

Don’t have another bank’s online banking credentials or a phone that can receive SMSes?

Book an appointment >

When it is not possible to apply for customer relationship online?

Read more about becoming OP’s customer >

The steps of becoming a customer

  • 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

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.

Read more about switching banks >

You can read more about the processing of personal data in the privacy notice of OP cooperative bank's customer data file available in OP’s data protection portal.

Go to OP’s data protection portal >