At op.fi you can make a euro-denominated, foreign currency or non-SEPA payment the same way you would make a payment within Finland, by selecting Uusi maksu (New payment). When you type a foreign account number as the payee’s account number, the service identifies the payment as an international payment. There is no service charge for euro-denominated bills to EU countries.
How to make a payment in euros?
You can make euro-denominated payments by using the international bank account number (IBAN) and the bank identification code (BIC). To make the payment, go to op.fi and use the New payment function. If you make the payment before 14.00, the payment will generally show on the payee’s account already on the same banking day.
How to make a non-euro payment?
Payments outside SEPA and non-euro payments are paid at op.fi by selecting New payment and the payment method payment instruction. The payment will usually be delivered within one week. If the payment is urgent, select New payment and the payment method urgent payment instruction. Your payment will then be delivered 1 to 2 banking days earlier than as a regular payment instruction.
The service charge for an international payment depends on whether the payer pays all charges incurred by the banks. If you make an international payment to an EEA country, the payer and the payee shall each pay their own bank’s charges, i.e. the charges are divided (SHA). This is the most recommendable way of making an international payment. When making a payment to a country outside the EEA, you can also choose to pay all the payment charges (OUR), meaning that the payee will receive the payment in full.
Earned OP bonuses are used to pay service charges for international payments.
For more information on international payments, contact OP customer service.