Authorisation for banking transactions

Do you need or does your friend or family member need help with daily banking transactions? With a power of attorney, you can authorise a trustworthy friend or family member to manage your banking transactions for you. You can give access rights to an account easily on the op.fi service.

What kind of an authorisation can you give?

On a general power of attorney, you can type your consent or authorisation yourself. The general power of attorney has to include a detailed description of which banking transactions the authorised person can manage.
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f you need help with daily banking, you can give a trustworthy friend or family member access right to your account. This authorisation is enough for transactions such as paying regular bills.

If you give someone extensive access rights to your account, in other words the right to use the account on the op.fi service, OP-mobile, telephone service and at an OP bank branch, they can for example change a bill into a convenient e-invoice. The person who has received the access right can’t change the account’s usage limits or other settings.

In the op.fi service, you can also find a power of attorney that authorises a person to withdraw funds from your account. The authorisation applies to one withdrawal and/or one balance query.

The person who gives the authorisation should monitor its use by checking their account transactions regularly. If needed, they can also ask the bank for more details, such as how the payment of a certain bill has been handled.

How can you give an authorisation?

You can give access rights to your account on the op.fi service if you have OP’s user ID. In that case, the access rights will take effect immediately. The authorised person also needs to have OP’s user IDs to manage banking transactions online.

Access rights are given on the op.fi service under: Tilin tiedot (Account details) - Omistus ja käyttöoikeudet (Ownership and access rights).

Go to account details (requires login in Finnish or Swedish)

If giving access rights on the op.fi service fails, access rights can be given by sending us a message on the op.fi service or OP-mobile. Select Accounts and payments as the message’s subject. State in the 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 who has been given the rights to obtain information may get information about the account and order a bank statement at OP branches, in the op.fi service and on OP-mobile. A person who has been given extensive access rights and rights to obtain information may also use the account: withdraw money and make credit transfers.

You can fill in a general power of attorney or a power of attorney for withdrawal of funds after logging into the op.fi service. Please note that the power of attorney should be done well in advance. It will take a few business days to process the form.

Go to powers of attorney (requires login in Finnish or Swedish)

The authorisation given is valid until it is terminated. Powers of attorney are stored in the service for 30 years. On the Valtakirjat page (Powers of attorney), you can terminate a power of attorney or create a new one.

If you don’t have OP’s user IDs, contact our customer service for help with the authorisation.

Contact our customer service