OP Duo

OP-Mastercard is now OP Duo. It’s a smart credit card for all online purchases. It’s an excellent supplement as a second card.

Best Price Protection ensures that you won’t pay too much

Best Price Protection will ensure that you will not have to postpone purchases in the hope of getting a better deal. If you find a product paid with OP Duo elsewhere at a price that is over 50 euros lower, we’ll refund the price difference to you.

Identity Theft Protection will help if your details fall into the wrong hands

You will get personal help for preventing identity theft or fraud for investigating identity theft. For example, if someone has taken out a loan in your name or your details have been used for online purchases.

Product Protection Insurance covers your purchases for 365 days

Product Protection Insurance included in an owner-customer’s OP Duo covers purchases against breakage or theft. In other words, you won’t need to buy separate insurance for new items such as phones. The insurance is valid for 365 days.

Credit card company cover for credit purchases provides additional cover for purchases

If the product or service you’ve bought is defective, is lost during transport or the company goes bankrupt before you get the product, you can get your money back. Credit card company cover for credit purchases you make with a credit card is a cover in accordance with the Consumer Protection Act.

 

Best Price Protection reimburses for the price difference

  • If you find a product paid with OP Duo elsewhere at a lower price within 30 days, we’ll refund the price difference to you.
  • The price difference must be a minimum of 50 euros.
  • If the product has been bought on an online store, the business must also have a brick-and-mortar store in Finland.
Best Price Protection is insurance included in OP Duo. It will reimburse you for the price difference if you find the product elsewhere at a lower price within 30 days and the other insurance terms and conditions are fulfilled. 

Best Price Protection provides cover if:

  • You find the product paid with OP Duo in Finland elsewhere at a price that is over 50 euros lower within 30 days.
  • The business where you found the product at a lower price has a brick-and-mortar store in Finland.
 
Best Price Protection concerns, for example, mobile devices, computers, clothes, kitchen refrigeration devices and televisions.
 

Best Price Protection does not provide cover if:

  • You have found the same product outside Finland.
  • The price difference is less than 50 euros.
  • Products bought in a sale or, for example, in Black Friday or similar campaigns. See the terms and conditions for more detailed restrictions.
Contact to the specialists of Axa, the insurer, by calling Customer Service at 0100 0510 (press 4: Hintatakuu, Mon–Fri 9–17, 24/7 in English).
 
After the phone call, you’ll get a request for additional information by email. Reply to the email and attach the details of your card and the purchase for which you apply the difference between the prices.

Identity Theft Protection will help if your details fall into the wrong hands

  • You will get personal help for preventing identity theft or fraud for investigating identity theft.
  • For example, if your personal data is being misused or you have accidentally given your personal data to a suspicious caller, Identify Theft Protection is there to help you.
Identity Theft Protection is an additional service included in OP Duo. It enables you to get personal guidance on protection personal data, for example, on the internet or get help if you have become a victim of identity theft.

Contact identity theft protection specialists by calling at 0100 0510 (press 4: Identity theft protection, Mon–Fri 9–17, 24/7 in English) to get personal help to clear up the situation. 

NOTE! If you suspect that your bank user ID has fallen into the wrong hands, cancel them immediately by calling the OP Customer Service or, outside the opening hours, the OP Deactivation Service. 

Product Protection Insurance provides cover for your purchases and is included with owner-customer cards

  • As an owner-customer, you will get a refund if the product you purchased breaks or is stolen within one year from the time of purchase.
  • You won’t need to buy separate insurance for new items, such as phones.
  • The deductible is only 75 euros, which is less than with a traditional home insurance.

Accidents happen to all of us from time to time, from dropping a phone on the floor to spilling coffee on a laptop or breaking your brand-new glasses.

Product Protection Insurance covers purchases made with Duo against breakage. In other words, you won’t need to buy separate insurance for new items such as phones.

 

The insurance covers purchase you’ve made using OP Duo, or your purchases are insured whenever you pay with your OP Duo card. 

The insurance provides cover for the purchases for 365 days, or one year from the cardholder receiving the product.

Product Protection Insurance covers the purchases whether you pay for them online, at a brick-and-mortar location or through a service like Apple Pay.
 

Does the insurance have a deductible or maximum compensation amount?

In the event of loss, the insurance has a deductible of 75 euros. The maximum compensation per item is 2,000 euros.

 

If something happens, filing a loss report is simple on OP-mobile or at op.fi.

Additional security through credit card company cover for credit purchases

  • Credit card company cover for credit purchases is a cover in accordance with the Consumer Protection Act for purchases made with the credit feature.
  • If there is a problem with your purchase, you can seek a refund from the credit card company.

You can seek a refund from the credit card company if

  • the product you purchased is lost in transit
  • the product you purchased is not delivered to you
  • there is a defect with the product that the vendor will not compensate you for, or
  • the vendor has gone bankrupt.

For example, in a situation where a tour operator cancels your journey and does not compensate you for it, or an airline goes bankrupt before the start of your journey, you can seek a refund.

The credit card company cover for credit purchases is always valid when you make purchases with your card’s credit feature. You can make the purchase online, at a brick-and-mortar location, or through a service like Apple Pay, in Finland or abroad.

In other words, using the credit feature gives you better cover for your purchases than other payment methods.

Does the cover for credit purchases have a deductible or maximum compensation amount?

The credit card company cover for credit purchases does not have a deductible or maximum compensation amount.

The credit card company cover for credit purchases provides you with cover for different breach-of-contract situations with the vendor, such as when a product you purchased is lost in transit.

Product Protection Insurance is an insurance policy which insures your card purchases once you receive the product, providing cover against breakage of the product, for example.

If you encounter a situation where a vendor is in breach of a contract, issue a complaint to the credit card company by following the instructions.

Read the instructions for issuing a complaint

Applying for and using the card

  • OP Duo is a reliable and international Mastercard.
  • The contactless payment facility enables you to pay for purchases of a maximum of 50 euros quickly without keying in your PIN.
  • You can easily check the card benefits from the digital info card wherever you go.

You can apply for Mastercard if

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

Apply for the card easily online. If you are an OP customer, log into op.fi and fill in the application. Once your application has been approved, you’ll get the card delivered directly to your home or office within 1–2 weeks, depending on the delivery method you selected.

You can download the info card to your phone at op.fi/duo-info-card or by scanning the QR code.

OP Basic OP Duo features
Reliable and international Mastercard.
A credit feature, in other words you can use the free-of-charge payment term.
Credit limit 2,000–20,000 euros.
You can add a K-Plussa feature to your card.

 

OP Duo card costs

  Costs
As part of the owner-customer’s daily services package, if you already have one of the OP-Visa product family’s cards €2 euros per month
Without the daily services package or without an OP-Visa product family’s card, €4 per month

Daily services include the payment card, additional services included with the card, account and the op.fi online service. For owner-customers, the service charges are primarily debited from OP bonuses.

Read more about the daily services package

 
See our list of service charges and fees

Interest and charges  
Interest in case the credit has debt with interest based on a 3-month + 8,95 %
Account service charge if the credit has debt with interest €3.50 per month
Paper bill surcharge if paper bills are selected instead of e-invoices €3.00 per bill

The effective interest rate calculated for used credit of 2,000 euros is 14.55% (June/2021) if the customer has the daily service package. This calculation is based on the assumption that the card’s monthly charge is 2.00 euros and the monthly account service charge is 3.50 euros, a free e-invoice is in use, the credit interest rate, fees and charges remain constant throughout the credit period, and that the credit is repaid in 12 identical monthly instalments. The estimated total amount payable would be 2,144.98 euros.  

The effective interest rate calculated for used credit of 2,000 euros is 16.34% (June/2021) if the customer has no daily services package. This calculation is based on the assumption that the card’s monthly charge is 4.00 euros and the monthly account service charge is 3.50 euros, a free e-invoice is in use, the credit interest rate, fees and charges remain constant throughout the credit period, and that the credit is repaid in 12 identical monthly instalments. The estimated total amount payable would be 2,168.80 euros.

Learn more about the consumer credit information (pdf)

Learn more about the terms of Mastercard credit (pdf)

Learn more about the General Terms and Conditions for Payment Cards (pdf)

 

The card is issued by OP Retail Customers Plc. The Best Price Guarantee is issued by the insurance company Inter Partner Assistance SA/AXA. Identity Theft Protection is issued by Tenerity AB. Product Protection Insurance is issued by Pohjola Insurance Ltd.