Nuori huppupäinen mies

OP-Visa Debit

Debit card for payments abroad and online as well

With OP-Visa Debit, you can pay for purchases where you can do so with Visa: at home, abroad and online. OP-Visa Debit is an excellent card for you who does not need to rely on any billing period or need credit for purchases.

  • Your purchases are debited directly to your account.
  • Its contactless payment facility enables you to pay for small purchases of a maximum of 50 euros quickly without keying in your PIN.
  • You can link the Plussa feature to your OP-Visa Debit.
  • The card is also ideal for a joint family account.

The fact that we both have our own cards linked to our joint bank account makes it so easy to manage our household spending. For example, daily grocery purchases and household bills are paid on a fairly basis.

Sanja‚ Helsinki
  • No credit facility. Purchases are debited to your account within a couple of days.
  • OP-Visa Debit is free for those under 26 years of age.
  • Plussa feature is available for your card.
  • You can withdraw cash at checkouts in K-food stores and Tokmanni stores.
  • You can choose the design you like for your card from among our options.
  • Its contactless payment facility enables you to pay for small purchases of a maximum of 50 euros quickly without keying in your PIN.
  • You can conveniently track your card transactions on OP-mobile, Pivo and OP eServices.
  • After you have opened Money Box and enabled Auto Save through card, your savings will add up every time you pay with your card.

You can apply for OP-Visa Debit if you

  • are at least 18 years old
  • are a customer of OP

How much does the card cost?

  • Monthly charge is €2.00.
  • The charge of an individual OP member cooperative bank may differ from this recommended charge.
  • The card is free of charge for those under 26 years of age.

Customers under 26 years of age receive our daily banking services free of charge. These services include a Current Account, OP-Visa card, OP eServices and online bank statement.

  • It is advisable to set spending and withdrawal limits for OP-Visa Debit in the case of the loss of the card or fraud.
  • You can set such daily limits for withdrawals, card purchases requiring pre-authorisation hold and online payments and other distance purchases.
  • You can set and change such limits easily on OP eServices.
  • The new spending/withdrawal limits will take effect immediately after you have changed them on OP-mobile or at as well as in customer service during its opening hours.
  • We recommend that you change these limits whenever you need.

Please note that the account may have a spending or withdrawal limit that restricts card payments, in addition to spending or withdrawal limit linked to the card.

Where to change the spending and withdrawal limits?

You can set the limits easily at and on OP-mobile. You can also call OP telephone service, tel. 010 253 1333 or visit an OP cooperative bank branch to change the limits.


Pay securely online Verified by Visa

Verified by Visa is a service that enhances online payment security.

When you pay for purchases online through the Verified by Visa service, you will go to in order to accept your purchase in encrypted internet connection using your personal online service user identifiers. This way both the merchant and buyer have been reliably authenticated. You can identify the web shops that use the services with the Verified by Visa logo.

This is how the service works

  1. First make your purchases and then go to checkout.
  2. Choose Visa as payment method.
  3. Enter your card's number and expiry date.
  4. Click on Pay. Now you go to
  5. A small window opens up in the screen where you accept your purchases using your user ID, password and a changing key code for
  6. You receive confirmation of the payment completed successfully.
  7. You return to the merchant's website and receive a confirmation of the order.
  8. When you pay for your purchase using the credit facility, the amount debited will be shown in your next Visa bill. When you pay with OP-Visa Debit, the purchase will be debited directly to your bank account.
  • When paying for your purchase with your card, you can withdraw a maximum of 200 euros with the card.
  • Cash withdrawals with OP-Visa Debit are not subject to a charge.
  • Cash withdrawal is subject pre-authorisation hold, i.e. the same principle applies to such cash withdrawals as that to ATM cash withdrawals. You can see both the purchase and the cash withdrawal itemised on you bank statement.

With Pivo, you can easily pay your friend, online and at store checkouts. You will also see where your money goes. Winner of several awards, Pivo is our customers’ favourite.

The card is granted by the OP cooperative bank.