Pivo - Siirto

Siirto payment

Pay your friend or in a webshop simply with a phone number – in real time
1

Money moves from one account to another within a few seconds

With the Siirto system, you can transfer money between OP and Nordea immediately, regardless of the time or day.

2

All you need is the payee’s phone number

To make a payment, enter a phone number instead of an account number. You don’t need to know the payee’s account number.

3

Safe to use

Siirto is a Finnish payment system in which all users are strongly authenticated.

Pay your friend or in a webshop simply with a phone number – in real time

Siirto is a Finnish mobile payment system that enables money transfers from one bank to another without a delay. Siirto is available for OP and Nordea customers on OP-mobile, Pivo and Nordea’s Siirto application. OP customers can enable Siirto on OP-mobile and Pivo.

Siirto app is a convenient way to pay your friend

Split a lunch bill with a friend, pay a second-hand purchase, arrange a group gift for someone's birthday or transfer money to your spouse without account numbers and online bank user IDs.

With a Siirto app, you can transfer money real time with a phone number. To make a payment, enter a phone number instead of an account number. Similarly, you can make a payment request simply using the phone number.

With Siirto app, you can pay easily and safely in webshops, too

You can pay with Siirto in many webshops, too. Paying online is easy: at the payment stage, choose Siirto as payment method, enter your phone number in the field reserved for it and confirm payment in the application you use.

Siirto is also a safe payment method: you don’t need to give information such as your credit card details on the webshop; instead, you confirm the payment in your own application.

In webshops that accept Siirto payments, you can find an orange Siirto logo on the list of payment methods.

Begin using OP-mobile and Pivo

As OP’s customer, you can activate the Siirto payment on OP-mobile or Pivo. You don’t need to be of age – all you need is your personal online bank user identifiers and a smartphone.

If you are not yet an OP customer, you can start using Pivo. On Pivo, you can pay your friend and online, no matter what bank you use.

Learn more about OP-mobile


This is how you can enable Siirto:

  1. Download OP-mobile or Pivo.
  2. Activate the app with your online bank user identifiers.
  3. Enable Siirto. On OP-mobile, you can do it under the More section. On Pivo, you can enable Siirto when activating the application, or later under the Maksuvälineet (Means of payment) section.
  4. You can now send and receive money in real time!

What is Siirto?

Siirto is a Finnish mobile payment system that enables money transfers between customers from one bank to another without delay. The payer doesn’t need the payee’s account number because the payment is delivered based on the payee’s phone number.
 
Siirto is available for OP and Nordea customers and can be activated on Pivo, OP-mobile and Nordea’s Siirto application. 

To whom can I send money with Siirto?

Siirto payments can be made and received by the customers of OP or Nordea who use a mobile app supporting Siirto (Pivo, OP-mobile or Nordea’s Siirto).

When will my payment reach the payee?

Siirto payments are delivered immediately – regardless of day or time.

Is sending or receiving Siirto payments subject to a charge?

Sending and receiving Siirto payments is free of charge for our private customers.

How do I know whether a payee uses Siirto?

When you select the payee, the app you are using will check whether the payee has enabled Siirto payments.
 
Pivo: If the payee has not enabled Siirto payments but uses Pivo, Pivo will deliver the payment as a normal person-to-person payment. These payments will arrive in the payee’s bank account within 1–2 banking days. If the payee has not enabled Siirto or Pivo, Pivo will tell you this.
 
OP-mobile: If the payee has not enabled Siirto payments, OP-mobile will then give you the opportunity to send the person a request to enable Siirto.

How much can I pay via Siirto?

500 euros during 24 hours or 15,000 euros during 12 months.

Which account is used for receiving and sending Siirto payments? Can I change the account?

You can decide which account will be used for both receiving and sending these payments.
 
Pivo: you can view and change the account in the Maksuvälineet (Means of payment) section.
 
OP-mobile: you can view and change the account in the menu More.

What do I need to make Siirto payments?

If you want to enable Siirto on Pivo or OP-mobile, you need:
 
  • a smartphone or tablet
  • online service user identifiers
  • a mobile phone number
  • a current account
Siirto is available for OP and Nordea customers.

Where can I view my Siirto payments?

Pivo: you can view all of your Pivo payments in Pivo’s payment history. To view your payment history, swipe to the right in Pivo’s main view or tap the list icon at the top of Pivo’s main view.
 
OP-mobile: you can view the Siirto payments in the menu More.

What is a payment request?

You can send a payment request to a person if you want them to pay you a particular amount.
 
Payment requests are sent from the same view as Siirto payments, but just select Request instead of Pay.
 
The recipient will receive a notification of your request, and you will see in your app when the recipient has approved your request.

Can I cancel a Siirto payment I have sent?

No, you can’t cancel Siirto payments.

What should I do if I lose my mobile phone?

It is not possible to make payments with Pivo or OP-mobile without logging in the application. Thus, it is not necessary to disable Siirto payments unless your OP user ID, your Mobile key PIN for OP-mobile or your Pivo access code have fallen into the wrong hands.
 
However, if you wish, you can disable Siirto payments by calling Nets blocking service, tel. 020 333 (24/7).
 
To disable your OP user ID, please call OP Deactivation Service, tel. 0100 0555 (24/7).

Are you looking for information on Siirto payments on Pivo?

The Siirto service is enabled by Automatia and the Siirto payment is provided by OP Customer Services Ltd.