OP-Visa Credit/Debit
It’s the perfect time to start using OP-Visa. Make payments securely and flexibly using the debit and credit features anywhere.-
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Visa adds flexibility to your daily life and special occasions
Pay immediately, within a month, or in instalments. The OP-Visa credit feature gives you an interest-free payment period of an average of 35 days for your purchases.
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Shop and make payments safely
The credit feature is the safest way to pay in shops, online, and abroad, as the credit card company will protect your purchases. As an owner-customer, you will also get a 180-day Product Protection Insurance for purchases made with OP-Visa.
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A more versatile Visa card – at the same monthly charge
As part of our owner-customer’s daily services*, you’ll get the OP-Visa Credit/Debit card at the same monthly charge as the OP-Visa Electron or OP-Visa Debit card.
Payments with OP-Visa
- Pay with the debit or credit feature. Pay contactless for your purchases below 50 euros.
- Convenient payment period. When paying by credit, the interest-free billing period is 35 days on average. When receiving your bill, you decide whether to pay in full or use your card’s credit feature, i.e. repay the credit in instalments.
- A credit limit for your needs. Credit starting from 2,000 euros up to 20,000 euros, depending on your needs and repayment capacity.
- Cut down your number of cards. Add a K-Plussa card to your OP-Visa.
- Pay with Pivo. Your new card will be available in the Pivo payment app almost immediately after ordering.
Stay safe every day
- Product Protection Insurance for six months. As an owner-customer, you will get a 180-day Product Protection Insurance of up to 2,000 euros for all your purchases paid for with OP-Visa.
- Visa Secure protects your online purchases by verifying the card holder’s identity. When paying online, you can approve the payment by verifying it with Mobile key or your online bank credentials.
- Paying by credit is the safest option. If anything goes wrong with your purchase, you can apply for a refund from the credit card company. You can also apply for a refund if a tour operator or an airline is declared bankrupt.
- You can conveniently track your card transactions on OP-mobile, Pivo, and the op.fi service.
Price
*As an OP cooperative bank's owner-customer, you get the daily services, including current account, OP eServices, and an OP-Visa card, for 3.95 euros per month. For owner-customers, the bank’s service fees are primarily charged from OP bonuses.
For other customers, the OP-Visa costs 2.95 euros per month or the daily services 7,95 euros per month. For customers under the age of 26, the daily services, including one card, are free of charge.
The card is granted by OP Card Company Plc.