How to close your account if you have an OP user ID
In most cases, you can use the op.fi service to close the following account types: Current Account, Money Box, Growth Return Account, Step-up Account, Special Purpose Account, Continuous High-yield Account and ASP Account.
Please note that the op.fi service is only available in Finnish and Swedish.
You can also close some of your accounts on OP-mobile. This applies to the following accounts: Current Account, Growth Return Account, Step-up Account, Special Purpose Account and Continuous High-yield Account. To close an account, log into OP-mobile. Go to the Accounts and cards view and then select the account that you want to close. After that, tap the gear icon to go to Account settings. You can find the Close the account button at the bottom of the settings view.
You can’t close an account via self-service if, for example, the account is your last one with OP. In such a case, contact our Customer Service by sending us a message via the op.fi service, OP-mobile or chat service.
See the customer service section of our website for the full list of contact details.
How to use an ID issued by another bank to close your account
In most cases, you can close the account you no longer need using another bank’s user ID. In the Log in section, click the Log in with another bank’s user ID button below. If you log into the op.fi service for the first time using another bank’s user ID, you should accept the OP Digital Services Agreement before you proceed.
You can also contact our Customer Service via chat service because closing an account is possible via that service in most cases. During the chat session, you are asked to identify yourself using another bank’s user ID to complete the account closure. If your account cannot be closed via chat, you can call our Customer Service.
How to close your account if you do not have a user ID with any bank
If you would like to close an unnecessary account and you don’t have a user ID with any bank, please call our Customer Service. Our Customer Service will advise you on how to close the account.
How to close a joint account
Do you have an OP user ID in use?
If you have an OP user ID, you can close a joint account by sending us a message via the op.fi service, OP-mobile or chat service.
Each account holder must send us a message, with the following information:
- The number of the account to be closed.
- The details of another account, to which any funds on the account being closed can be transferred.
- If you have a card or an OP user ID for the account being closed, in your message state that you want the service to be closed or transferred to another account. Provide the last four digits on the card, and the account number to which you want to transfer the card or OP’s user ID.
Do you have a user ID issued by another bank?
In most cases, you can close the account by directly logging in with another bank’s user ID through the Log in section or by contacting via chat service. Each account holder must separately request closing the account. The account closure can be performed after all account holders have identified themselves using either an OP user ID or another bank’s user ID and have requested the account closure.
What if you have no bank IDs?
If you do not have a user ID issued by a bank, you can call our customer service. If your account cannot be closed by phone, our customer service will advise you on how to close it.
Why have service charges been debited from your account?
The current account is subject to a monthly charge that is based on our list of service charges and fees valid at the time.
Current accounts are free of charge for customers under 26 years of age, and for accounts held at the OP cooperative bank where the holder is an owner-customer. Please note that, if an account has several holders, it will only be free of charge if all account holders are owner-customers of the OP cooperative bank in question.
If you are not an owner-customer or under 26, a monthly service charge will be debited from your current account. Service charges will be debited from the account retrospectively.