OP Debit

With OP Debit, you can pay your purchases and withdraw money directly from your account. This card is intended for people over 15 years old.

Are you over 18? We recommend our combination card for you

A combination card is both a debit and credit card. When buying online or paying bigger purchases, having a combination card has its advantages. 

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  • Pay your purchases wherever you are

    With an OP Debit card, you pay your purchases in Finland, abroad or online always directly from your account. You can also withdraw cash in Finland and abroad. 

  • Ideal card for a joint family account

    Grocery shopping becomes easier if you have a joint family account. Link debit cards to it and everyone can pay groceries directly from the same account. 

Payment with OP Debit

  • The debit feature means that payments are always directly debited from your account. This card has no credit feature. 
  • The card lets you make contactless payments: you can pay purchases below 50 euros quickly without your PIN. 
  • You have the option to include the K-Plussa feature to this card, to reduce the number of cards in your wallet. 
  • Add your card to Apple Pay or Google Pay™ to pay easily with your smart device wherever you are. 
  • You can set various spending and withdrawal limits for the card's use: for cash withdrawals, swiped payments, and online and in-app payments. 
  • If you open Money Box and enable Auto Save through card, your savings will add up every time you pay with your card. Note that Money Box is only available for customers over 18, because it allows investing in mutual funds. 

Charge for OP Debit

For people under 26, one card and daily banking services are free of charge. For other OP customers, the monthly charge for OP Debit is 2.75 euros. 

For OP cooperative bank's owner-customers, the monthly charge for daily banking services is 3.95 euros. This includes an OP Debit card, current account, OP-mobile and the op.fi service (in Finnish and Swedish). For owner-customers, the bank’s service charges are primarily paid from OP bonuses. 

Edit your card’s features easily

Go to OP-mobile or op.fi to change your card’s spending and withdrawal limits.

 

Apply for card

 

Information about the card

 

You can get an OP Debit card if you have an OP account and are at least 15 years old.  

For people under 26, one card and daily banking services are free of charge. For other OP customers, the monthly charge for OP Debit is 2.75 euros. For owner-customers, the bank’s service charges are primarily paid from OP bonuses. 

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

Apply OP Debit card for a young person

You can order a debit card for your underage child through our Customer Service, but completing the order always requires a visit to the branch.

Book an appointment at a bank branch 

If both parents can’t visit the branch at the same time, one of them can create a power of attorney in advance to authorise the other parent to apply for the underage child’s card. OP’s customers can create powers of attorney by logging into the op.fi service (in Finnish), under Oma profiili (My profile). We suggest authorising all desired banking arrangements for the underage child at the same time. If a parent doesn’t have OP’s user ID, please contact OP Customer Service. 

If neither parent can be present, you can give your consent to the underage child getting a card and OP’s user ID on their own. In this case, too, please contact our Customer Service. 

When applying for the card, the young person must come to branch in person, to learn about the use of the card. They need to show an identity document, such as a passport, ID card or moped driving licence. The attending parent can identify themself with a driving licence.

Read more about accepted personal ID documents 

For the young person to be able to pay with the card online, or add it as the preferred payment method in apps or services, they will need a personal OP’s user ID.

Read more about OP User ID for young persons 

  • The OP Debit card has no credit feature. Purchases are always debited from your account within a couple of days. 
  • The card is free of charge if you’re under 26 years. 
  • The K-Plussa feature is available for this card. 
  • You can withdraw cash at checkouts when making a purchase in certain stores, including K-food stores and Tokmanni. 
  • With contactless payment, you can pay purchases below 50 euros quickly without the card PIN. 
  • You can track your card transactions conveniently on OP-mobile (in English) or on the op.fi service (in Finnish or Swedish). 
  • If you open Money Box and enable Auto Save through card, your savings will add up every time you pay with your card. Note that Money Box is only available for customers over 18, because it allows investing in mutual funds. 

For under 26-year-olds, there is no charge for our daily banking services. This includes one debit card, current account, OP-mobile and the op.fi service (in Finnish and Swedish). 

  • It’s advisable to set spending and withdrawal limits for OP Debit as protection against card loss or misuse. In addition, you can set transaction limits to the account, to restrict card payments. 
  • You can set daily security limits for the card's use: for cash withdrawals, swiped payments, and online and in-app payments. 
  • The new spending and withdrawal limits will take effect immediately after you have changed them on OP-mobile or op.fi. You can also change these limits by calling OP Customer Service at 0100 0500 (Mon–Fri 8–16) or by visiting a bank branch. 

 

Earn Plussa money conveniently with your OP card. You can add the K-Plussa feature to your card easily when applying for the card.
Pay securely online Visa Secure (formerly Verified by Visa)

Visa Secure (formerly Verified by Visa) increases security of online payments. To verify the cardholder's identity, the user is asked to confirm card purchases with OP's user ID. This strong identity verification effectively prevents misuse of cards. 

 

Enable mobile payments Apple Pay and Google Pay

You can link your card to Apple Pay or Google Pay. These payment apps let you make payments in stores, online and in apps with just your smartphone. You don’t need your card or card details at the time of payment. 

With Apple Pay or Google Pay, you can also make contactless payments over 50 euros. 

The card holder needs to be over 13, if the card is added to Apple Pay, and over 16, if it is added to Google Pay.

Read more about mobile payments

  • When paying at a store with this card, you can withdraw up to 200 euros in cash. 
  • Cash withdrawals with OP Debit are free of charge. 
  • A preauthorisation hold is made for the cash withdrawal, to make sure that there is money in the account. Withdrawing cash at a store works like withdrawing cash at an ATM. Your bank statement will show the details of all payments and all cash withdrawals you have made with the card. 

General Terms and Conditions for Payment Cards >

The card is granted by OP Retail Customers Plc. Apple Pay is provided by Apple. Google Pay is a trademark of Google LLC.

 

The card is granted by OP Retail Customers Plc.