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In our range of bank accounts you can find the account which best suits your needs, whether it is for daily banking or saving for the short or long term.
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
Your extra funds are safe in the Growth Return Account.
An ASP account offers an ideal way to save for your first own home.
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.
Receive money or make payments outside the euro area.
Money Box is an account that encourages you to save money. Open Money Box easily online!
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
Lapsen omasta käyttötilistä on moneksi ja tilin avaaminen lapselle onnistuu helposti verkossa. Tutustu ja täytä hakemus op.fi-palvelussa!
Verkkopalkka on sähköinen palkkalaskelma, jota voit käyttää verkkopankin kautta.
Closing an account, change of access rights, bank statements, account transactions, receipts, account balance and interest certificates
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.
Lue lisää henkilöasiakkaiden maksupalveluista.
E-invoice is the simplest way to pay bills. Read more!
Contactless payment – fast and safe
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.
It pays to take a look at the payment methods, for example, if you are doing transactions for an elderly family member.
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.
Read the basics about SEPA payment, OP's credit transfer compliant with the European SEPA initiative.
Now account data is no longer tied to one bank and strong identification is required more often. Read here how PSD2 changed banking.
With the Siirto service, you can pay your friend or in a webshop simply using a phone number.
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.
Make your everyday life easier and start using OP’s mobile payment services for free.
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.
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.
How to pay safely for online purchases.
OP Lasku – Verkkokaupan maksutapa kaikkien pankkien asiakkaille | OP
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.
Enable Apple Pay on OP-mobile or Apple Wallet.
Card or cash? Or would you after all pay with your mobile? Read more about various payment options and choose the most suitable one.
Debit cards and credit cards
Learn more about OP's cards!
Report a lost or stolen card
If your card 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.
OP-Mastercard is a good credit card to serve as a second payment card.
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-Visa 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-Visa Gold includes travel insurance, rental car insurance and additional product protection cover. Read more and get your own gold card!
OP-Visa is the best card for daily use – wherever you are! You pay for your purchases with OP-Visa at brick-and-mortar shops and online.
Along with a debit and credit card, Platinum includes a high credit limit, insurance cover, useful security services and supplementary services providing luxury.
Use of OP-Visa Electron cards is ending. It is no longer possible to order new Visa 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.
Maximum cost of credit of OP credit cards. Read more about cost cap and interest rate cap.
OP-Visa for students
Are you a student at higher education institution or university? You can get an OP-Visa Credit/Debit card with a €2,000 credit limit without ECTS credit requirements. Learn more and apply!
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.
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 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-Visa 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.
Compare the amount of two currencies.
What kind of a card do you need
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.
The statement of fees
The statement of fees shows the service fees for the preceding year. Customers receive a statement of fees in line with the EU Payment Accounts Directive annually.
Vaihtuvien korkojen määritelmät Johdannaisyleissopimukseen