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International payments

Are you planning to make a payment to a foreign bank account? The easiest way for you to make international payments is to use your online bank. It allows you to make payments anywhere in the world.

At 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 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 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.

The acronym SEPA stands for the Single Euro Payments Area. SEPA enables paying and receiving euro-denominated payments within European countries on the same terms as in one's home country.

IBAN means the International Bank Account Number. The Finnish IBANs begin with the country code FI and always contain 18 characters.

BIC is the Bank Identification Code, and it is used together with IBANs. Each OP Financial Group member bank's BIC is always OKOYFIHH. BIC is not required for domestic payments.

SEPA direct debit is designed for paying euro-denominated bills within the Single Euro Payments Area. SEPA direct debit can be used for recurring or non-recurring payments when the payee has no other suitable billing methods available.  However, we do not recommend SEPA direct debit as the primary billing method.

The payer gives directly the biller a mandate to bill their account. It is the biller's responsibility to authenticate the issuer of the mandate, for example to verify the bank account number or the access right to the account.  

To enable automatic billing from the account, the payer must also conclude an agreement of a SEPA direct debit service with his bank and issue a SEPA direct debit mandate on the account for the bank.
The direct debit is visible on OP eServices at least two days before the bill's due date. If no direct debit mandate has been issued on the account, the payer can pay the bill himself on OP eServices or at a bank branch.
The payer can claim a refund of a debited payment during eight weeks on a no-questions-asked basis and, within 13 weeks, if an unauthorised direct debit has been made. The refund claim is made to the bank.

SEPA direct debit is a chargeable service. Each SEPA direct debit is subject to a charge based on the bank's list of service charges and fees.

If you are about to receive an international payment – whether from SEPA or outside – the easiest way is to request it directly to your account. Notify the payer of your IBAN and your bank's BIC.

Each OP Financial Group member banks' BIC is always OKOYFIHH. You can see your own IBAN on OP eServices and on your bank statement.

If the criteria for a SEPA credit transfer are met, the money will be transferred to your account free of charge.  Payments coming from outside SEPA are subject to a charge based on Group member banks' own list of service charges and fees.

List of service charges and fees, international payments