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Current account

Bank account for daily use

It pays to channel regular income to a current account, such as salary and wages or pension benefits.

  • You will pay your bills, for purchases and loan repayments conveniently from your account.
  • You can conveniently transfer funds from your current account for saving purposes for example to a Growth Return Account.
  • You can attach a card and electronic services, such as an online bank statement and eBill, to your current account.
  • You can track all your account transactions easily on OP eServices, OP-mobile or Pivo.
  • Account agreements opened online are stored in an electronic archive where they remain available for reading and printing. 
  • A current account will be free of charge until 31 October 2020. As of 1 November 2020, the account will be free of charge for owner-customers. For other customers, a charge in line with our list of charges and fees will be applied. Please note that entitlement to a free-of-charge account requires that all account holders are owner-customers of the account-holding bank. 

Funds in the current account will generate OP bonuses until 31 October 2020. Learn more under the section ‘Owner-customer benefits and OP bonuses through banking services’!

 

A current account is also suitable for smooth family banking transactions.
Heli‚ Service Advisor, Keski-Suomen OP


The account is granted by the OP cooperative bank.

Deposit interest rate

The deposit rate is 0 %. 

The funds and the deposit interest fall within the scope of deposit insurance up to the amount prescribed by law.  OP Financial Group banks are considered as a single bank from the perspective of deposit insurance.

Account terms and conditions

The General Terms and Conditions for Accounts for Private Customers apply to current accounts.

Set safe spending and withdrawal limits for your account

You can easily change spending/withdrawal limits of your accounts online. Considering that such daily limits make it safer to use the account, you should set them. You can change the limits temporarily when you make bigger purchases, for example.

You can set two types of spending/withdrawal limits for your account:

  • For the biggest possible one-time withdrawal 
  • For the total daily withdrawals, or the maximum amount of money you can withdraw within one day.

The spending/withdrawal limits relate to:

  • cash withdrawals
  • real-time credit transfers and
  • card payments which are automatically checked against during payment whether the account has sufficient funds.

The spending/withdrawal limits do not affect the amounts submitted to the payment service payable on the due date.

Further confirmation required for change in spending/withdrawal limits

Further confirmation is required to change spending/withdrawal limits. We will send a text message to your mobile phone and you will check the information in the message before you accept the change. You should use the key code matching the serial number in the message to confirm the change. So keep the list of key codes close at hand when you change the spending/withdrawal limits. The change will take effect immediately after you have accepted further confirmation.

Also set spending/withdrawal limits for each card

It is advisable to set card-specific spending/withdrawal limits with which you specify daily limits for cash withdrawals, POS payments and online payments.

You can change the limits by logging into OP eServices, calling at 0100 0500 or visiting a Group member cooperative bank branch.

You can set the limits separately for your card's debit and credit sides.

Convenient E-salary

E-salary is an electronic payslip on OP eServices. To use the service, you will need your personal online user identifiers.

Using the E-salary service requires that your employer has adopted the service by agreeing on it with the online payroll operator.

Benefits from E-salary service

  • Payslips are always kept safe and you can easily browse them.
  • The payslips are stored in an electronic archive for 18 months.
  • You can print the payslips out whenever needed or save them to your own computer.
  • An electronic payslip is eco-friendly.
  • E-salary is a free service.
Owner-customer benefits and OP bonuses through banking services

OP bonuses

As an owner-customer, you will earn OP bonuses for example from:

  • loans
  • savings and investments
  • purchases you have paid with credit
  • insurance premiums for home, family and motor vehicle policies.

From 1 November 2020, OP bonuses will accrue from:

  • home loans, secured bank loans, student loans
  • savings and investment accounts
  • mutual fund units and unit-linked insurance
  • non-life insurance bills

The change on 1 November 2020 means that no OP bonuses will accrue from:

  • deposits in current accounts
  • unsecured consumer loans (Flexible Consumer Credit, Special Consumer Credit, One-off Credit and Overdraft Facility)
  • OP hire purchase
  • Purchases paid using OP Visa as a credit card, the balance of credit with interest of OP-Visa and OP-Mastercard cards

OP bonuses are used for the bank’s service charges and insurance premiums.