How to change the spending limits on your card

Your card has spending limits that you should set so that they suit your needs.

Set spending limits on your card

You can change your payment or credit card’s spending and withdrawal limits quickly and easily on op.fi or OP-mobile. New limits take effect immediately. You can change the spending and withdrawal limits as often as you like.

Change your card’s spending limits in the op.fi service

​Change your card’s spending limits in the op.fi service

  1. Log into OP eServices
  2. Select Omat kortit (My cards)
  3. Select the card whose spending limits you want to change
  4. Scroll down the page to section Kortin ja luoton tiedot (Card and credit details) and select Turvarajat (Spending and withdrawal limits)
  5. Select Muokkaa kortin turvarajoja (Edit card spending/withdrawal limits)

Change your card’s spending limits in the op.fi service

Change your card’s spending limits on OP-mobile

  1. Log into OP-mobile 
  2. Go to Accounts and cards
  3. Select the card whose spending limits you want to change
  4. Select the Information page on which you will find the card’s spending and withdrawal limits
  5. Select Edit

To increase the spending limits, you need the Mobile key or OP eServices user identifiers.

Set daily spending and withdrawal limits on your payment or credit card

The spending and withdrawal limits are daily limits for the use of your card. They protect your card in case of fraud or loss of the card.

  • The cash withdrawal limit defines how much cash you can withdraw with your card on ATMs in Finland and abroad or at store checkouts.
  • The spending limit for pre-authorised purchases means how much purchases you can pay with your card in, for example, stores and restaurants.
  • The spending limit for online purchases and other distance purchases means how much purchases you can pay with your card online or, for example, over the phone.

You can set different spending and withdrawal limits for your card’s credit facility (credit) and for payments directly debited from your account (debit).

Change spending and withdrawal limits whenever you need to

You can change your card’s spending and withdrawal limits as often as you like. The new limits take effect immediately. We recommend that you change these limits whenever you need to.

For example, if you make online purchases very rarely, it’s a good idea to keep the spending limit for online purchases and other distance purchases at zero (€0). This means that the card cannot be used for online purchases at all. Whenever you need to, you can increase the spending limit easily online or on OP-mobile.

Change your card’s spending limits in the op.fi service

Please note that credit transfers and bill payments made on OP eServices using the card’s credit side are not included in the spending and withdrawal limits.

You can easily view your card transactions in the op.fi service and on OP-mobile, also when travelling.

In addition to your card’s spending and withdrawal limits, your account too may have a transaction limits that restrict card payments. Go change the account's transaction limits

How to change your credit card limit yourself
You can increase the credit limit easily and free of charge in the op.fi service or on OP-mobile.