Daily banking - Directory

Daily banking services for people of all ages

We provide unbeatable services for everything from smooth payment to modern money management, flexible everyday banking, and saving.

Growth Return Account

Growth Return Account is an easy and flexible savings account. The more you save in the account, the higher the interest rate. Open an account conveniently online.

ASP Account

An ASP account offers an ideal way to save for your first own home.

Current account

For the management of daily finances.

Fixed-term High-yield Account

A stable, easy and risk-free deposit option.

Rent Deposit Account

Safe solution for storing your rent deposit.

Joint Bank Account

For household spending management.

Currency Account

Receive money or make payments outside the euro area.

Money Box

Money Box is an account that encourages you to save money. Open Money Box easily online!

Transactions feed

Transactions feed offers account transactions, e-invoices and payments easily in a single package. Managing personal finances has never been so easy.

IBAN and BIC

What are IBAN and BIC?

Current account for a child

Tilin avaaminen lapselle onnistuu helposti op.fi-palvelussa huoltajan OP:n tunnuksilla. Lapsen oma Käyttötili sopii esimerkiksi pesämunan säästämiseen ja rahankäytön opetteluun.

Verkkopalkka

Verkkopalkka on sähköinen palkkalaskelma, jota voit käyttää verkkopankin kautta.

Account management

Closing an account, change of access rights, bank statements, account transactions, receipts, account balance and interest certificates

OP Monipankkipalvelu

Would you like to have a better overall picture of your finances? You can easily and securely view your payment accounts with another bank on OP-mobile and the op.fi service.

E-Billing

E-invoices are an easy, free, flexible, and secure way to pay bills. Read more!

Contactless payment

Contactless payment – fast and safe

International payments

Outgoing international payments via the online bank.

Service notice on payment transactions

The payment transaction service notice informs you of the status of the payment transfer service.

paying bills

It pays to take a look at the payment methods, for example, if you are doing transactions for an elderly family member.

cash

You can conveniently make withdrawals at ATMs or checkouts and make deposits at ATMs.

Incoming cash transfer

When the payee's account number is unknown, the money can be returned by money order, i.e. by cash transfer.

SEPA payment

Read the basics about SEPA payment, OP's credit transfer compliant with the European SEPA initiative.

PSD2

Now account data is no longer tied to one bank and strong identification is required more often. Read here how PSD2 changed banking.

Siirto payment

With the Siirto service, you can pay your friend or in a webshop simply using a phone number.

IBAN calculator

The IBAN calculator is part of the payment service at op.fi and with it you can directly convert account numbers into IBAN format when paying bills.

Mobile payment

Make your everyday life easier and start using OP’s mobile payment services for free.

Online card payments

With OP cards, you can pay your online purchases securely and easily. Online payment with a credit card – how to pay securely online.

Money as a gift

You can give money as a gift in several ways. Read about the options.

How do e-invoices work?

Learn how e-invoices work, where you can find your invoices, and what else you should know. Read more about editing e-invoice information.

OP Lasku

OP Lasku – Verkkokaupan maksutapa kaikkien pankkien asiakkaille | OP

OP Overdraft Facility

OP Overdraft Facility is a payment method for larger online purchases in daily life. It is applied for before any purchases are made and is intended for any bank’s customers.

OP Account SMS

OP Account SMS sends a notification to your phone whenever money is either taken from or paid into your account. You therefore find out immediately when a bill is paid, and you can also opt for your account balance to be shown in the message.

Apple Pay

Enable Apple Pay on OP-mobile or Apple Wallet.

Payment methods

Card or cash? Or would you after all pay with your mobile? Read more about various payment options and choose the most suitable one.

Google Pay

Set up Google Pay now on OP-mobile.

Report a lost or stolen card

If your card or another payment instrument has been lost or stolen, call the OP Deactivation Service 0100 0555.

Apply for a card

You can apply for either a payment card or a credit and combined card, new design for your card or a new card to replace the damaged one.

Use of OP-Visa Electron cards ends

Visa will discontinue Electron cards at the beginning of 2024. All OP-Visa Electron users will automatically get a replacement card between 2021 and 2024.

OP Debit

OP Debit is a good debit card for paying for purchases in Finland, abroad and online. An excellent card for you who does not need to rely on any billing period or need credit for purchases.

OP Gold

OP Gold is a reliable debit and credit card, which provides you with even better insurance cover for daily life and experiences. Learn more and apply now!

OP Classic

OP Classic is OP’s most popular credit card. A free-of-charge credit card for customers aged under 26. Visa card combining a debit and credit card. Read more about the card and apply!

OP Platinum

Along with a debit and credit card, Platinum includes a high credit limit, insurance cover, useful security services and supplementary services providing luxury.

OP Electron

Use of OP Electron cards is ending. It is no longer possible to order new OP Electron cards.

Cards contact details

Save on your mobile contact information for payment card customer service and deactivation service. When calling from abroad, add country code +358 to the beginning of the number.

Use of credit card

Paying with a credit card is safe and brings benefits to your daily life. Read how a credit card works.

Cards with K-Plussa

Reduce the number of cards in your wallet by adding the Plussa feature to your OP card. Read more!

Exchange rates for card transactions

When you make a purchase or a withdrawal in a non-euro currency, the exchange rate used depends on your card. Read more about how your card’s exchange rate is determined.

Cost cap

Maximum cost of credit of OP credit cards. Read more about cost cap and interest rate cap.

OP-Visa for students

If you study at a higher education institution, you can get the OP Classic or OP Gold card with a 2,000 euro credit limit as soon as you are admitted to your place of study.

Pay online purchases with a credit card

Credit cards are a safe way to pay online. Paying with a credit card gives you an interest-free payment period and security for your purchases. Learn more!

Spending and withdrawal limits

Spending and withdrawal limits protect your payment card against fraud or loss of the card. You can change your card’s payment limits anytime online or on OP-mobile.

Credit limit

Increasing your credit limit on OP-mobile is easy – and free of charge. Choose a credit card limit that suits your needs.

Card doesn’t work

Is the card locked? The card doesn’t work when paying? Do this if your OP debit or credit card doesn’t work.

K-Plussa Maksuaika

K-Plussa Mastercard is now K-Plussa Maksuaika. A flexible charge and credit card and the most rewarding Plussa card on the market all in one.

Two cards from your own bank

You can resort to your second payment card in unexpected situations. When you have two cards from your own bank, it’s easy to keep up to date on your money matters.

Start using a new card

Read easy instructions for how to start using a new debit or credit card. When you do it correctly, using the card will be safe.

OP Basic

OP Basic is the perfect first debit card for those over 7 years of age. OP-Visa Basic can be used to pay for purchases in Finland, abroad and online.

Debit card for a child or young person

Apply for a debit card for your child to use for everyday spending. OP debit cards are available for ages 7 and up.

All payment and credit cards

Do you need a new bank card? Find out more about OP’s cards and pick the best credit card, bank card or charge card for you.

Debit card or combination card?

A combination card has both debit and credit card features. Read more on why a combination card is the smart choice.

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. Learn more!

Credit card bill

Miten maksan luottokorttilaskuni? Mitä lasku sisältää? Mistä löydän laskuni? Miten voin tilata e-laskun? Miten muutan luottokorttilaskun eräpäivää? Lue lisää korttilaskuista!

New card designs

Currency calculator

Compare the amount of two currencies.

Card guide

The Card guide will help you find a suitable card. Simply answer a few questions and the Card guide will recommend a card that suits your needs.

Filing a complaint or an appeal in banking, wealth management services and real estate agency services

Please contact first your own OP cooperative bank or another OP's service provider that served you. If no settlement can be reached, you can contact a customer ombudsman.

Information for Investors news-sheets

The Information for Investors news-sheets contain information that must by law be communicated to clients before providing investment services.

Best Execution at OP Financial Group

Best Execution Policy

Effect of costs on investment return document

OP acting as a Systematic Internaliser

Report on returns and costs of investment products and services

OP Corporate Bank Plc policy for foreign exchange trading and the execution of foreign exchange orders

This page describes the policies that OP Corporate Bank Plc undertakes to follow in foreign exchange trading and the execution of foreign exchange orders. The policies are based on the global principles of good practice in foreign exchange trading, the FX Global Code.

Vaihtuvien korkojen määritelmät Johdannaisyleissopimukseen

Owner-customer benefits from saving and investment

As our owner-customer, you are entitled to value-for-money benefits from saving and investment.

Young person investing

Did you know that young people aged between 15 and 17 can save and invest independently on OP-mobile? The sooner you begin, the more you benefit. Start today!