Debit cards and credit cards
Select a payment card for your individual situation, whether you need a reliable payment instrument for everyday life, travelling or online payments. OP’s credit card provides you with flexible and secure personal finances with a payment period of up to 35 days. If you wish to see our whole range of cards, compare cards via the menu below. Don't have an account with us? Become an OP customer now!
OP-Visa credit / debit
OP’s most popular payment card
€2.95/monthApply for card
More than just a payment card
incl. card €2.95/month and supplementary services
Put your worries aside
incl. card €2.95/month and supplementary services
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-Visa 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. Read more and apply
OP-Visa Gold is more than a credit card. It includes, for example a concierge service. Credit facility from 2,000 euros up to 20,000 euros. Credit facility according to your need and repayment capacity. Read more and apply
OP-Visa 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. Read more and apply
OP-Mastercard is a smart backup card. It is an excellent card for everyday life and travel. Credit facility between 2,000 and 6,000 euros, according to your need and repayment capacity. Read more and apply
Credit card for students. If you are a student at a Finnish higher education institution or university, you can get an OP-Visa Credit/Debit card with a EUR 2,000 credit limit without ECTS credit requirements. Read more and apply
Payment cards without credit facility
OP-Visa Debit is a debit card with which you can also pay abroad and online. Read more and apply
OP-Visa Electron is suits young people and for children over the age of 10 as a payment card. You can pay for your purchases in Finland, abroad and online. It is not possible to apply for the card online. Read more about applying for a card for the child
- which card you want to close
- the last four digits of the card to be closed and
- information that you will destroy your old card yourself.
- cash withdrawals. This means how much cash you can withdraw with the card at an ATM in Finland and abroad or at a store check-out.
- pre-authorised purchases. This means how much money you can use to make purchases with the card for example in stores and restaurants.
- online purchases and other distance purchases. This means how much money you can use to make purchases with the card online or for example over the phone.
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.
At op.fi and on OP-mobile you can transfer credit from your OP-Visa or OP-Mastercard to your account.
Many webshops use Visa Secure (formerly Verified by Visa) or Mastercard SecureCode authentication services. They enable you to make secure online payments. Using them is equivalent to you your signature. The services reliably authenticate not only you but also the webshop, that is, both parties to the online transaction.
When you use a webshop that uses Visa Secure or Mastercard SecureCode services, you can safely make payments online.
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.
All OP-Visa cards have been linked to the Visa Account Updater service. The service makes it possible to update payment card details securely and automatically to ordering and streaming services.
The service makes your day-to-day life easier and ensures seamless use of services, for example when your OP-Visa card is renewed.
Many service providers are already using Visa Account Updater and more are joining in constantly.
When you make a purchase or withdraw cash in a non-euro currency during a journey abroad or with, the sum total of the transaction is determined by the wholesale exchange rate used in currency conversion.
The exchange rate used is either the Visa International or Mastercard Europe scheme’s wholesale exchange rate, to which a currency conversion fee, based on OP’s list of service charges and fees, is always added. The fee accounts for 1.95% of the amount of purchase or withdrawal.
When you pay for a purchase with your card abroad, it always pays to choose a local currency instead of the euro. Then the exchange rate is determined by your own bank and the exchange rate cause any unpleasant surprise. If you choose to convert the currency into euros at the time of payment, the merchant will charge a fee based on its list of service charges and fees.
When you withdraw cash or pay for purchases with your card, you can choose whether you use money in your account, that is Debit, or credit facility, that is Credit.
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.