Current account

Bank account for daily use

Best everyday bank account

Receive your regular income, such as salary or pension benefit, to a current account. Pay purchases, bills and loan repayments easily.

Included in daily banking services

Link a payment card and OP’s user ID to the account. Then you can do your banking on OP-mobile in English (or the service in Finnish or Swedish).

Follow your account transactions

Easily in English on OP-mobile. For an online bank statement, log into the service (in Finnish or Swedish).

Open a current account on OP-mobile

To open a new current account easily in English, log into OP-mobile and go to Accounts and cards.

Bank account for daily use

  • Current account is part of our daily banking services that also include a payment card and OP's user ID for digital services. 
  • Pay your bills, purchases and loan repayments easily from the current account. 
  • Transfer spare money from your current account to Growth return account or Money Box or buy fund units or stocks.
  • Use your money tracking-tool  My financial balance on OP mobile. It helps you get a clear picture of your income and expenses. 
  • Open a current account easily on OP mobile. You can also do it in the service (available in Finnish and Swedish). 

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.

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

The current account is subject to a monthly charge that is based on the list of service charges and fees. The service charge is debited monthly from your current account.

Current accounts are free of charge for customers under 26 years of age, and for accounts held at the OP cooperative bank where the holder is an owner-customer. If an account has several holders, it will only be free of charge if all account holders are owner-customers of the OP cooperative bank where the account concerned is held.  

Please note that each OP cooperative bank can have owner-customers. You can check your owner-customer membership by logging in to OP-mobile or service. 

A monthly charge is not debited from the current account that has been pledged or belongs to a death estate.


How to close your account, if you have an OP user ID

If you have OP’s user ID, in most cases, you can close your account by logging into (in Finnish or Swedish). In the service, you can close your Current Account, Money Box, Growth Return Account, Step-up Account, Special Purpose Account, Continuous High-yield Account or ASP Account.

You can’t close an account in the service if the account is your last one with OP, or it is a joint account. In these cases, read our more detailed instructions.

Log in (in Finnish or Swedish) and close an account

Read more detailed instructions

How to use an ID issued by another bank to close your account

Please contact our customer service through chat. You can contact our customer service through chat in Finnish or Swedish.

During the chat, you can use a user ID issued by another bank to verify your identity: in most cases, our customer service will be able to close your account during the chat, once you have verified your identity. 

If your account cannot be closed via chat, you can call our customer service.

Read more about closing an account

How to close your account if you do not have a user ID with any bank

If you would like to close an unnecessary account and you do not have a user ID with any bank, please contact our customer service by phone. Our customer service will advise you on how to close the account.

Go to customer service page

You can easily change the transaction limits for your accounts on OP-mobile and in the service. 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 transaction 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 transaction 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 transaction limits do not affect the amounts submitted to the payment service payable on the due date.

Read the instructions for changing the transaction limits of your account


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 your cards’ spending and withdrawal limits on OP-mobile and in the service. You can also call our Customer Service or visit an OP cooperative bank branch.

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

Go to customer service page

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.

OP cooperative bank owner-customers earn OP bonuses from:

  • Funds in savings accounts

  • Home loans, student loans and secured bank loans

  • Mutual funds and unit-linked insurance assets

  • Insurance premiums paid, such as home and motor vehicle insurance and continuous travel insurance

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

The account is granted by the OP cooperative bank.