Payment and credit cards

Do you need a new credit card or payment card? Please choose the card that suits you best and fill in the application. You will receive a new card within 1 to 2 weeks of the date of the application.

Credit cards – flexibility and secure payment

OP Classic is a reliable basic card. It enables you to make purchases in everyday life, while travelling, and online. Credit facility from 2,000 euros up to 20,000 euros. Credit facility according to your need and repayment capacity. Learn more and apply for OP Classic

OP Gold is the card for an easy life. It is a debit and credit card rolled into one. It includes, for example, two free visits a year to an airport lounge, comprehensive travel insurance and insurance cover for event tickets. Credit limit, according to your needs and repayment capacity, from 2,000 up to 20,000 euros. Learn more and apply for OP Gold

OP Platinum is the elite of cards. Its additional services give you comprehensive cover and save time. Credit facility from 2,000 euros up to 20,000 euros. Credit facility according to your need and repayment capacity. Learn more and apply for OP Platinum

OP Duo is a smart credit card for online purchases and as a second card. It’s an excellent card for daily life and travel. Credit according to your need and repayment capacity, from 2,000 to 20,000 euros.Learn more and apply for OP Duo

Credit card for students. If you are a student at higher education institution or university, you can get an OP Classic card with a EUR 2,000 credit limit without ECTS credit requirements. Learn more and apply for OP Classic

Payment cards without credit facility  

OP Debit is a debit card with which you can also pay abroad and online. Learn more and apply for OP Debit

OP Basic is suitable as a first debit card for children and young persons ages 7 and up. You can pay for your purchases in Finland, abroad and online. It is not possible to apply for this card online. How to apply for a card for your child

If you are using an OP credit card and you want to change it into another credit card, fill in an application online.

If your card application is rejected, please contact our customer service at 0100 0500 / Select Cards (Mon–Fri 8–19).

When applying for a new card, your old card’s credit limit may affect the credit limit granted to you. After you have started using your new card and closed the old one, you can increase your new card’s credit limit.

You’ll receive your new card within 1–2 weeks.

When you have received a new card and seen that it works, you can cancel your old card.

How to cancel the second card?

If you have two payment cards, you can cancel the second card any time. Don’t cancel your old card until you’ve received your new card and have confirmed that it is working. 

• You can cancel a card yourself in OP-mobile > Choose card > Card setting > Cancel the card.
• You can also cancel a card by sending us a chat message (in Finnish) or an online message when you’re logged into the op.fi service, notifying to us the last four digits of the card to be cancelled.

Once you’ve cancelled the other card, cut it into several pieces so that the chip and the magnetic stripe are destroyed. 

The name of the retailer shown on the bill isn’t always the same as the name of the place of purchase. Keep the receipts showing where the card has been used until receiving the bill and checking the transactions. If your bill has an inexplicable or extra transaction, please contact our Customer Service as soon as possible. In unclear cases, file a correction request.

Contact our customer service

How to make a correction request 

We have compiled frequently asked questions about credit card billing and answers to them on a separate page.

Read more about credit card billing

• you are at least 18 years old 
• you use OP as your main bank  
• you receive a regular pay or pension 
• your financial standing is sufficient and you have managed your personal finances well 
• you live permanently in Finland. 

On OP’s payment cards, the credit card number is on the front of the card.

The debit card number and the CVC number are on the back of the card.

All OP credit cards offer an average of 35 days of interest-free repayment time.

Each month, you'll receive a credit card bill for your credit card payments. You can decide to pay it with a single payment or in instalments. If you pay the bill with a single payment, you’ll avoid having to pay credit charges for it.

With a credit card, you can make large purchases and handle surprise expenses in instalments that suit your finances. 

You can raise your card’s credit limit free of charge on OP-Mobile or at op.fi. Depending on your need and finances, you can apply for a credit limit from between 2,000 to 20,000 euros for your Visa credit card and OP Duo.

Apply for a credit limit raise at op.fi 

It is always advisable to keep your card’s spending and withdrawal limits at a level that matches your use of the card. You can set limits for cash withdrawals and pre-authorised card purchases as well as for online purchases and other distance purchases.

You can change the daily spending and withdrawal limits of your cards quickly and easily on op.fi and OP-mobile. The changes you make will become effective right away.

Monitor the charges to your card regularly. If you notice payments that you have not made yourself, immediately contact our Card customer service to sort it out.

You will receive an itemised bill once a month for purchases you have made with your credit card. After you have received it, you can decide whether you pay off the bill in full or pay in instalments.

If you pay off the bill in full, you will get an interest-free period of an average of 35 days for your purchases.

In case your credit card bill comes to you as an e-invoice, you can decide by the due date whether you make the agreed minimum payment, pay off the credit card balance or in-between.  

You can change the repayment plan for your credit card bill by logging into op.fi or OP-mobile.

In the euro area, using the card and credit costs the same as in Finland. An exception to this is when you withdraw cash at an ATM using your credit card. Each credit withdrawal costs 2 euros and 2.75% of the amount you withdraw. 
 
When using your card in a country that has a non-euro currency, the amounts spent or taken out from an ATM are converted into euros by using the so-called wholesale exchange rate. 
 
Visa and Mastercard have their own wholesale exchange rates. The rate varies daily. Your card transaction will be converted into euros using the rate valid on the day when Visa or Mastercard receives your card transaction. This is why different rates may be applied to purchases or withdrawals you have made on the same day. It often takes 1–3 days to transmit the transaction information. 
 
Outside the euro area, for each purchase or withdrawal amount, OP charges a conversion fee that is 2.5% of the amount. Additionally, each withdrawal costs 2 euros and 2.75% of the amount you withdraw. 
 
In most cases, paying in the local currency is the most inexpensive way to pay with a card. In that case, the exchange rate is determined by your own bank and you can avoid unpleasant surprises. If you choose conversion of the currency into euros at the time of payment, the merchant will charge a fee of its own. 

Read more about exchange rates used for card transactions 

The interest rate for OP's Visa cards (OP Classic, OP Gold and OP Platinum) is the 3-month Euribor + 8.95 percentage points if the credit has debt with interest. The monthly account service charge is 3.50 euros if the credit has debt with interest.

The effective interest rate calculated for used credit of 2,000 euros is 14,63 % (6/2021) if the customer has a daily service package. This calculation is based on the assumption that the card’s monthly charge is 2,06 euros and the monthly account service charge 3.50 euros, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2 145,70 euros.

The effective interest rate calculated for used credit of 2,000 euros is 15.07% (6/2021) if the customer has no daily service package. This calculation is based on the assumption that the card’s monthly charge is 2.95 euros and the monthly account service charge 3.50 euros, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2,156.15 euros.

About consumer credit information (pdf)

Take a closer look at our list of service charges and fees

Read more about daily banking services

All OP payment cards are linked to either Visa Account Updater (VAU) or Mastercard Automatic Billing Updater (ABU). 

Thanks to the VAU or ABU service, your payment card details are automatically updated in those subscription and streaming services to which you have given your card details and which are using the service. These include services such as Netflix, Spotify, Google and iTunes. The service ensures seamless use of subscription and streaming services when your OP card is renewed.

At the moment, the VAU service provides the merchant with the details of your new Visa card also when your previous card has been cancelled due to loss, theft or suspected misuse. If necessary, we can prevent transmission of your card details to merchants using the service.

Would you like to know more about the use of cards, such as credit card payments abroad or spending/withdrawal limits? Read more about the FAQ section.