In support of your everyday account transactions

If you’re wondering about your account matters, you can look for a possible solution here.

Authorities often need receipts or bank statements for certain account transactions for the purposes of taxation, for example. You may also need to attach a bank statement to a Kela application. If you want to attach a bank statement to an online Kela application, you can easily save the bank statement as a file to your computer and then attach it to the application.  

Bank statements 

If you have OP eServices user identifiers, do as follows: 

After logging into the op.fi service, you can retrieve in one go a bank statement covering a time period of one year at the longest or one day at the shortest. 

  1. Go print the bank statement 
  2. Select the account and then the bank statement’s desired time period. You can select the time period from three options: the events of a certain month, the events of a time period selected by you or the events of the last number of days selected by you.  
  3. After you have selected the time period, continue by clicking the arrow next to the time period. 
  4. Select the option Avaa tiliote omaan ikkunaansa (Open statement in a new window). The bank statement will open in pdf format in a new window. Pop-up windows must be allowed.  
  5. You can save the bank statement as a file or print it out on paper. In the Google Chrome browser, for example, the selections for saving and printing a file are shown in the page’s upper right corner. 
  6. If you download the file, a window opens in which you can select where to save the file. Select the desired location and save. 
  7. If you want to attach the bank statement as a file, for example, to a Kela application, then in the Kela application, select the file from the location where you saved it. 

If you presently receive bank statements on paper, you can activate the online bank statement by logging into the op.fi service.

Switch over from paper to online bank statement here

If you have some other bank’s user identifiers, do as follows: 

If you have not yet entered into an agreement on OP’s digital services, you can do that at login. When entering into the agreement, paper bank statements are automatically replaced with online bank statements for regular accounts. Please note that paper bank statements are replaced with online bank statements within 24 hours after activating the service. You can retrieve bank statements from the last 18 months in the service. Each month’s bank statement is available as a separate pdf file. 

  1. When logging in, select Muut tunnistustavat (Other means of authentication) and select which bank’s user identifiers you want to use for login. 
  2. Proceed to log in as per the given instructions. 
  3. To view bank statements, go to Päivittäiset raha-asiat (Daily banking ) > Tiliote (Bank statement). 
  4. Select the account and then the desired month’s bank statement. By clicking the selected month’s bank statement, it opens in a new window as a pdf file. Pop-up windows must be allowed. 
  5. You can save the bank statement as a file or print it out on paper. In the Google Chrome browser, for example, the selections for saving and printing a file are shown in the page’s upper right corner. 
  6. If you download the file, a window opens in which you can select where to save the file. Select the desired location and save. 
  7. If you want to attach the bank statement as a file, for example, to a Kela application, then in the Kela application, select the file from the location where you saved it. 

If you need bank statements older than 6 years, do as follows: 

Online bank statements are available on OP eServices free of charge for the past six years and account transactions for the past two years. If you need older bank statements or receipts or if you want them to be printed at a bank branch, we can deliver those to you at your request. For this, we will charge a fee based on the list of service charges and fees. You can request a bank statement or receipt by sending a message on the op.fi service. To send a message, log into op.fi. Select Tilit ja maksut (Accounts and payments) as the topic of the message. Note that bank statements or receipts older than 10 years cannot be retrieved.

Let us know in your message whether you need a receipt for a certain transaction or a bank statement. To process your order for a receipt, we also need specific information about the transaction (account number, date, amount, the payee) and whether you wish to receive the receipt by post or as an attachment to a message on op.fi. To order a bank statement, specify the account number and the period of time that the bank statement is to cover. We can deliver bank statements by post or to a bank branch of your choosing for pickup.

Send an online message

Authorities often need receipts or bank statements for certain account transactions for the purposes of taxation, for example.

You can browse your account transactions for the past 24 months free of charge in Transactions Feed. You can also easily print the receipt you need. Just click the relevant transaction and select Toiminnot > Avaa kuitti (Functions > Open receipt). To search transactions by the recipient’s name, click Etsi tapahtumia (Search transactions).

Closing an account at op.fi

You can close the following accounts by yourself on the op.fi service: Current Account, Money Box, Growth Return Account, Step-up Account, Special Purpose Account, Continuous High-yield Account and ASP Account. However, you can’t close your last remaining account or a jointly owned account by yourself on the op.fi service. If any services are linked to your account to be closed, such as a card, or if there are unconfirmed payments, the service will direct you to carry out the measures necessary to close the account and/or to send an online message.

Please note that the account’s balance must be positive or at least 0.00 euros for you to be able to close the account by yourself. You also must select an account to which the funds of the account to be closed will be credited. The account to be credited must be selected even if the balance of the account to be closed is 0.00 euros. After closing the account, you can save a bank statement of the closed account, if needed.

Close your unnecessary account at op.fi

Closing an account by message

If you can’t close an account by yourself on the op.fi service, send us a message.

Select Tilit ja maksut (Accounts and payments) as the message subject. Please indicate in the message the account number of the account to be closed and the account number of the account to which any remaining funds will be transferred. If any services have been linked to your account, such as a card and/or eServices Agreement, please state that you also want us to either close these services or transfer them to another account. If you wish to transfer the services to another account, please specify the number of the account that the services are to be linked with. If you wish to close your card, let us know the last four digits of the card.

Please note that it’s not possible to close an account if there are any pending or unconfirmed payments or e-invoices. The account must have sufficient funds to cover service charges. If the account to be closed is a joint account, we need a request for closing the account from all account holders.

Send an online message

Adding or removing account’s access right at op.fi 

You can add or remove access rights to your account at op.fi if your account is one of the following: current account, growth return account, step-up account, special purpose account, continuous high-yield account or fixed-term high-yield account. If your account has several account holders or if you are underage, you can’t edit the account’s access rights by yourself.

You can give a person the right to access your account if this person is a private customer of OP. To add an account access right, you need the person’s name and personal identity code. If the person is underage or under legal guardianship, you can’t give them access right.

You can choose between two access right options:

  • rights to obtain information, or
  • extensive access rights and rights to obtain information.

To add or remove access rights in the op.fi service, select: Tilin tiedot (Account details) - Omistus ja käyttöoikeudet (Ownership and access rights).

Go to account details (requires login)

What to do if you can’t add or remove account’s access rights yourself

If your your account has several account holders, you can’t edit the account’s access rights by yourself as we will need the request for adding or deleting access rights from all account holders. The request can be sent by messaging us on OP-mobile or at op.fi. Select Tilit ja maksut (Accounts and payments) as the topic of the message. More detailed instructions for sending a message are available below.

Adding account’s access right by message

To add account’s access rights, include the following in your message:

  • number of the account to which the access right will be added
  • name and personal identity code of the person obtaining an access right
  • the scope of access rights: 1. rights to obtain information, 2. extensive access rights and rights to obtain information.

A person with the right to obtain information may obtain information of your account and may order a bank statement at OP branches and online services. The person is not entitled to use the funds in the account.

A person to whom you have granted extensive access rights and rights to obtain information may use your account and obtain information of your account at OP branches and online services and through the telephone service. The person may withdraw funds from the account and make credit transfers.

If the holder of access rights is not yet OP’s customer, the person must visit an OP branch to prove their identity and activate the access rights.

Send a message

Removing account’s access right by message

To remove account’s access rights, include in your message your account number and the name of the person whose access right you wish to remove. Example text: I want to remove the access right of (name) from my account number (account number).

Send a message

Preauthorisations ensure that your account has enough money for paying your purchases. The seller puts a hold on the purchase amount on your card as a preauthorisation before the actual payment transaction takes place. Note that even though the preauthorisation is not a payment transaction you cannot use the funds put on hold. The preauthorisation is removed when the money is debited.

You can monitor the preauthorisations in Transactions Feed, where you will see any preauthorisations and check their contents. Click on the word katevaraus (preauthorisation) to see more details of the purchase events that make up the preauthorisation.

The account’s balance certificate shows the current day’s balance at the moment of query, in the case of death the balance on the date of death and in the case of a distribution the balance on the date of distribution. You may need a balance certificate for the distribution of an estate, pledging or for other cases where your wealth has to demonstrated. You can check the account’s current balance free of charge on OP eServices.

The account’s interest certificate shows the deposit interests that have accrued on the account by the said date but which have not yet been paid to the account. You can check the paid interests yourself on OP eServices or from a copy of bill.

The most convenient way to order a balance and interest certificate is by an online message. Please indicate in the online message the account number and the date for which the certificate is needed. Note that ordering the account’s balance and interest statement is subject to a charge.

Send an online message