Applying for or renewing a card

You can apply for a payment card (debit) or a credit and combined card (credit/debit), a new design for your card or a new card to replace the damaged one.

Take a closer look at our options below.

I want a credit card OP-Visa, OP-Visa Gold, OP-Mastercard

You can apply for a credit card – such as OP-Visa, OP-Visa Gold or OP-Mastercard – if you

  • are at least 20 years old
  • use an OP cooperative bank as your main bank
  • have regular income in terms of pay or pension
  • have sufficient financial standing and have managed your personal finances well
  • reside permanently in Finland.

In the application, we also ask you to fill in information about the following:

  • Your employment
  • Your pay and unearned income
  • Your monthly loan repayments.

We will check all applicants' credit history.

I want a payment card without a credit facility OP-Visa Electron, OP-Visa Debit, OP-Visa Debit Mobile

When applying for an OP-Visa Electron, OP-Visa Debit or OP-Visa Debit Mobile card,

  • check your contact information shown and
  • enter your phone number.

When filling in the card application, you will need to:

  • select a design for your card from our options
  • decide whether you want to add the K-Plussa feature on your card
  • set withdrawal and spending limits for your card These limits will protect the money in your account in case your card is lost or stolen.

Please note that for applying for OP-Visa Debit Mobile, you need to go to our Pivo mobile wallet app.

When processing your application, we will check your credit history. When applying for an OP-Visa Electron card for a minor, we will check the credit history of both parents or guardians. A card application for a minor requires the consent from both parents or guardians. It can be given by, for example, an online power of attorney, Managing banking on behalf of a minor.

Card renewal

You can renew your card simply by sending us an online message order.
In the message, mention the four last numbers of your card, the cardholder (name and personal ID code) and the design you wish to have on the new card.

When your card expires

The expiry date is indicated on the front of your card below the card number, in the format mm/yy.

When your card expires, you can select a new design on your renewal card. A new design needs to be selected approximately three months before the card's expiry. We will send you an online message to remind you about ordering the design.

The new card will be delivered to you either at home or at our branch, according to your selection. If you do not remember your card's delivery method or wish to change it, please contact us by e.g. an online message.

You can change the design on your OP-Visa, OP-Visa Electron or OP-Visa Debit card whenever you want. If you want us to deliver a card with a new design right away, we will charge a fee based on our list of service charges and fees. If you want the design to be changed when your card expires, the change is free of charge. You can find the last month and year of validity on the front of your card, in the format mm/yy. Changing the design is free of charge also when you include the K-Plussa feature in your card.

Remember to order the new design at least three months before your card's expiry. We will also send you an online message to remind you about ordering a new design.

You can change the design on your OP-Visa, OP-Visa Electron or OP-Visa Debit card whenever you want. If you want us to deliver a card with a new design right away, we will charge a fee based on our list of service charges and fees. If you want the design to be changed when your card expires, the change is free of charge. You can find the last month and year of validity on the front of your card, in the format mm/yy. Changing the design is free of charge also when you include the K-Plussa feature in your card.

Remember to order the new design at least three months before your card's expiry. We will also send you an online message to remind you about ordering a new design.

I want to pay with my phone OP-Visa Debit Mobile

You can also pay contactless with your phone. In order to do so, you need to have:

  • our Pivo mobile wallet app
  • an Android phone supporting contactless payment
  • the new OP-Visa Debit Mobile card.

Order your card on Pivo. You can find Pivo at the Google Play app store.

Kaikki asiakkaamme, joilla on luotollinen OP-Visa saavat uuden kortin vuosien 2019-2020 aikana. Saat uuden kortin, vaikka olemassa olevassa kortissasi ilmoitettua voimassaoloaikaa olisikin vielä jäljellä.

Lue lisää muutoksista ja korttiuudistuksesta >