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, on a self-service basis: 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 cannot 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 through the op.fi service or OP-mobile.
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
Please contact our customer service through chat. You can contact our customer service through chat in Finnish or Swedish.
During the chat, you can use an ID issued by another bank to verify your identity: in most cases, our customer service will be able to close your account during the chat, once you have verified your identity.
Chat is open on weekdays from 8-22.
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 do not have a user ID with any bank, please contact our customer service by phone. Our customer service will advise you on how to close the account.
How to close a joint account
Do you have OP user IDs?
If you have OP user IDs, you can close a joint account by sending us a message via the op.fi service or OP-mobile.
Each account holder must send a message of their own, 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 digital services agreement for the account being closed, in your message state that you want the card or services 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 digital services agreement.
Do you have a user ID issued by another bank?
If you have a user ID with another bank, you can contact our customer service via chat. You can contact our customer service through chat in Finnish or Swedish.
In chat, our customer service will instruct you to log in using the other bank’s ID and, in many cases, will be able to close the account, once all the account holders have used either OP’s or another bank’s IDs to verify their identities.
Chat is open on weekdays from 8-22.
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.