Notifications on OP’s mobile apps

Frequently asked questions

Card notifications – My card has been replaced. Why don’t I get card payment notifications anymore?

Failed card payment – I received a notification of a failed card payment. How can I check that my account wasn’t debited?

Failed card payment – I received a notification of a failed card payment but can’t find any details about it on OP-mobile. Where can I check the payment details?

E-invoice – How can I enable e-invoice notifications on OP-mobile?

Enabling notifications – How can I turn on notifications on OP-mobile?

Further details on notification – where can I find further information?

Notifications – What notifications do I get from OP-mobile and can I choose them?

Notification of a cancelled card purchase – I tapped a notification I received a few days ago and saw the details of a payment that has already been cancelled. Why do I still see the payment details?

Notification of overdrawn account – why did I receive this message?

Notifications of overdrawn account — how can I receive them?

Card notifications – Why do I get some notifications with a delay?

Card transaction notifications – Why don’t I get notifications of all my card transactions?

Managing notifications – How can I make sure that notifications don't wake me up?

Managing notifications – Can I receive notifications about my own payments only?

Other mobile payment services – Why am I receiving notifications about Apple Pay, Google Pay, Samsung Pay and Garmin Pay from OP-mobile?

Refunded card payment – I received a notification of a refunded card payment. What does it mean?

Cancelled card payment – I received a notification of a cancelled card payment. What does it mean?

Overlapping notifications – I get the same card payment notification from several apps. How can I turn off unnecessary notifications?

E-invoice – Who gets the notification of an incoming e-invoice?

Card notifications – My card has been replaced. Why don’t I get card payment notifications anymore?

If your card has been replaced due to theft or loss, you must reactivate card payment notifications.

Failed card payment – I received a notification of a failed card payment. How can I check that my account wasn’t debited?

If your card payment fails, your account will not be debited. If you’re not sure whether the payment failed or succeeded, you can check the status of your payments on OP-mobile. You will see all account and card transactions that have been debited from your account as well as any preauthorisations on your account.

Failed card payment – I received a notification of a failed card payment but can’t find any details about it on OP-mobile. Where can I check the payment details?

OP-mobile’s notifications tell you the following details about a failed payment: reason for the payment failure, payee and amount. From the notification, you can access more detailed information on OP-mobile, including the exact time and any instructions.

If, for some reason, you delete the notification or the notification doesn’t open and you can no longer see the detailed information of the failed card payment, please contact OP Customer Service.

E-invoice – How can I enable e-invoice notifications on OP-mobile?

If you have enabled notifications on OP-mobile, you’ll always get notifications of incoming e-invoices. You don’t need to enable e-invoice notifications separately.

Enabling notifications – How can I turn on notifications on OP-mobile?

To enable notifications, open OP-mobile and go to More → Settings → Notifications.

Further details on notification – where can I find further information?

When you receive the notification, tap it and log into the mobile app to see further details.

Notifications – What notifications do I get from OP-mobile and can I choose them?

When you enable notifications, you will get important notifications of the OP-mobile features you use and of transactions that require your attention. Then you will always get a notification of

a received e-invoice you need to confirm
an unconfirmed e-invoice on the due date
payment is pending, or the account has not enough money for payment
payment fails because of insufficient funds
an incoming Siirto payment or Siirto payment request
a changed share price if you have set a share price alert
ordered equity research (in Finnish)
a failed card payment
overdrawn account.

To manage other notifications of account transactions and card preauthorisations, go to Notifications → Notifications of transactions.

The payment transaction view that you can access from a notification always corresponds to the contents of the notification. This is the case even if the payment status had changed after the notification was sent. To check your account’s current status, go to Accounts and cards on OP-mobile and see your account and credit card transactions.

Notification of overdrawn account – why did I receive this message?

Notification of an overdrawn account may be due to a card payment without preauthorisation, or a service charge, which has led to a negative balance on your account. If this happens, you will receive a push notification through OP-mobile or online message.

If your account still has a negative balance a day after the first notification arrived, we will send you another push notification on the same matter on the following day.

We will notify you of the overdrawn account so that you can avoid extra charges, if possible.

See the list of service charges and fees

Notifications of overdrawn account — how can I receive them?

A notification or online message is sent automatically to all account holders. If you receive OP-mobile notifications, the notification will arrive through OP-mobile. If you have not begun using OP-mobile notifications, you will receive an online message.

Card notifications – Why do I get some notifications with a delay?

Some payees process payments at night, which is why the payment details may arrive with a delay.

Card transaction notifications – Why don’t I get notifications of all my card transactions?

You can only get notifications of card preauthorisations. A preauthorisation means that when you’re buying something, the respective amount is put on hold on your account or credit card. The amount will be actually debited later, within a few days.

Managing notifications – How can I make sure that notifications don't wake me up?

Notifications can indeed arrive at any time of the day or night, informing you about an incoming e-invoice, payment due date or card payment processed with a delay. Many phones have a Do Not Disturb mode that you can turn on at night-time. An alternative is to mute the sound on your phone before you go to bed. In your phone's notification settings, you can otherwise specify the sounds and visibility of notifications.

Managing notifications – Can I receive notifications about my own payments only?

You can enable notifications for all accounts whose details you can view on OP's mobile apps. You can also enable notifications about your own cards only, or for all cards associated with an account.

Other mobile payment services – Why am I receiving notifications about Apple Pay, Google Pay, Samsung Pay and Garmin Pay from OP-mobile?

If you have given consent to direct electronic marketing in My profile, you may receive OP-mobile notifications about Apple Pay, Google Pay, Samsung Pay or Garmin Pay. You can check and change the consent to direct electronic marketing on the Consents page in My profile if necessary.

Refunded card payment – I received a notification of a refunded card payment. What does it mean?

A refunded card payment means that money has been refunded to your card and credited to your account.

Cancelled card payment – I received a notification of a cancelled card payment. What does it mean?

A cancelled card payment means that a preauthorisation of your card payment was cancelled. The payment in question will not be debited from your account. A payment can be cancelled if, for example, you return a product the same day you bought it or if an erroneously debited payment is refunded to you in full.

Overlapping notifications – I get the same card payment notification from several apps. How can I turn off unnecessary notifications?

If you’re using OP's mobile apps and Pivo, you may receive overlapping card payment notifications. You can select on a per-app basis which card payment notifications you want to get.

On OP-mobile, you can choose which card-related notifications you want to get from OP-mobile. Go to More → Settings → Notifications → Notifications of transactions. You can select the cards for which you want to get notifications. You can also turn off any overlapping notifications.

On OP Business mobile, you can similarly choose which notifications to get. Go to Tools → Notifications.

On Pivo too, you can choose whether you want to get card payment notifications. Go to Pivo’s Settings → Notifications. To manage other Pivo notifications, go to your phone’s settings.

If you’re using Apple Pay or Google Pay, you can choose card-specific notifications also on the Apple Wallet and Google Pay apps.

E-invoice – Who gets the notification of an incoming e-invoice?

When a new e-invoice arrives, OP-mobile sends an e-invoice notification to the account holder. By contrast, another person with access rights to the same account will not receive the e-invoice notification.