IBAN-muotoinen tilinumero muodostuu kotimaisesta tilinumerosta ja BIC-koodi on pankin tunnistetieto.


IBAN is a payee’s account number in international format that replaces national account numbers. IBAN stands for the International Bank Account Number.

IBAN format

The account number in IBAN format consists of a country code for Finland (FI), two-digit checksum and a domestic account number. For example, national account number 500094-20028730 is FI49 5000 9420 0287 30 in IBAN format.

BIC in connection with IBAN

BIC is a bank’s identifier data that is often used together with IBANs. The acronym stands for Bank Identification Code.

BIC for OP’s customers is always OKOYFIHH. BIC is not needed for SEPA credit transfers.

Always use IBAN format

The old account numbers in BBAN format are no longer in use on the op.fi service and OP-mobile, so please use account numbers in IBAN format in all payments you make.

If you only know the account number in the old BBAN format, you can convert it into IBAN format when making payments at op.fi.