Siirto paymentSend money easily and securely, with just a phone number.
All you need is the payee’s phone number
To make the payment, you only need the payee’s phone number – you don’t have to know their account number.
Money moves from one account to another in a few seconds
The Siirto payment enables transfers of money in real time, regardless of the time or day, as long as the receiver's bank supports real time payments.
Safe to use
Siirto is a Finnish mobile payment system where all users are strongly identified. You always know with whom you exchange money.
Siirto already has over 1 million users in Finland
Over 1.2 million people in Finland already use Siirto payments. Join them and enable Siirto payments on OP-mobile!
Enable Siirto payments on OP-mobile
To enable Siirto payments, open OP-mobile and go to More. You don’t need to be of age – you only need to have online bank user identifiers and a smartphone.
How to enable Siirto payments
- Download OP-mobile on your smartphone. Log in using your OP user ID and the key code list.
- On OP-mobile, go to More.
- Select Settings.
- Select Siirto payments and follow the app’s instructions.
Siirto payment is convenient in many situations
Siirto payments can be used for many purposes. You can pay your share of a group gift, transfer money to your spouse or child or pay a purchase on an online flea market with just a phone number. There’s no need to remember any account numbers. With the Siirto payment, you can send any amount up to 3,000 euros.
With Siirto, you can also pay in many online stores and apps. As OP’s customer, you can pay with Siirto in all online stores which offer Siirto or Pivo as a payment method. Online payment with Siirto is not only easy but also secure: you don’t need to give your payment card details or personal ID code to the online store.
Siirto also lets you make a donation to selected charities which currently include Red Nose Day, the Finnish Red Cross, Salvation Army and Hope ry. For detailed donation instructions, visit the charities’ websites.
What is Siirto?
To whom can I send money with Siirto?
When will my payment reach the payee?
Is sending or receiving Siirto payments subject to a charge?
How do I know whether a payee uses Siirto?
How much can I pay via Siirto?
Which account is used for receiving and sending Siirto payments? Can I change the account?
What do I need to make Siirto payments?
- a smartphone or tablet
- online service user identifiers
- a mobile phone number
- a current account