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OP-Visa for students

If you are a student at a higher education institution or university, you can get an OP-Visa Credit/Debit card with a EUR 2,000 credit limit without ECTS credit requirements.

With a student’s credit card you can pay safely in any situation

The OP-Visa Credit/Debit perfectly fits the daily student life and potentially irregular income. The student’s credit card provides you with the flexibility of an average interest-free and free-of-cost payment period of 35 days.

Are you planning a student exchange or travel during your studies? Do you buy online? OP-Visa is an international credit card that works equally well at home, abroad and online.

When buying a flight with your card, your money’s safe if the airline goes bankrupt. Using a credit card for online purchases is also a good idea. That way, you’ll get your money back, for example, if you never receive the product.

You can apply for a students OP-Visa Credit/Debit if:

you are at least 18 years old
you use OP as your main bank
you are a student at a higher education institution or university.

Applying for a student’s credit card

Select ‘Apply for a card’ and log into OP eServices.
Fill in the credit card application details. In ‘Employment situation’, enter “Student”.
Once your application has been approved, you’ll get the card delivered directly to your home or office, depending on the delivery method you selected.

Apply for a card

Add K-Plussa to your student credit card

Remember to add the Plussa feature to your card when applying for it! As a student’s Plussa benefit, you can get a 5% cashback for your food shopping if you spend at least EUR 75 per month.

One free card for under 26-year-olds

If you are an OP customer and under 26 years old, you get our daily banking services with an OP-Visa Credit/Debit, OP-Visa Debit or OP-Visa Electron free of charge. In other words, you can have one card without needing to pay monthly charges.

If you are applying for a OP-Visa Credit/Debit card with a credit function and you already have an OP-Visa Electron, for example, you can close your old card. This way, you do not need to pay the monthly charge for your card.

How do I close a card I don’t need?

If you have two payment cards, you can cancel the second card any time.

You can cancel your OP-Visa Electron yourself on the op.fi service. To cancel other cards, log in at op.fi and message us.

Please specify in your message:

the card you want to close
the last four digits of the card to be closed, and
your affirmation that you will destroy the card yourself.

To destroy your old card, cut the card into pieces so that the chip and the magnetic stripe are destroyed.

Do not destroy your old card until you have received your new card and confirmed that it is working.

Download OP-mobile or Pivo

Download OP-mobile or Pivo from your application store. OP-mobile enables you to easily update your card details and monitor your transactions. With Pivo, you can pay for purchases of over EUR 50 using contactless payment by phone, and the Pivo student card gives you student discounts.

As an owner-customer you get additional benefits

Maximise the benefits of your credit card and become an owner-customer.

As an owner, the products you buy are protected by Product Protection Insurance up to EUR 2,000 for 180 days, whether you use your card’s debit or credit function.

Also learn more about:

Apply for a card

Apply for a student loan online

Our student loan enables you to focus on studies and on living your life outside of school. Read more.

Card features

Credit starting from 2,000 euros up to 20,000 euros, credit limit according to your need and repayment capacity.
You can choose whether your purchases will be debited using the debit side, or directly to your bank account, or using the credit side in which case you can use the card as charge card or use the card's credit facility.
An average of 35-day interest-free billing period is available to you.
You have four options to choose for the bill's due date: 7th, 15th, 23rd or the last day of the month.
K-Plussa feature is available for the card.
You can withdraw cash at checkouts in K-food stores and Tokmanni stores.
Its contactless payment facility enables you to pay for small purchases of a maximum of 50 euros quickly without keying in your PIN.
You can conveniently track your card transactions on OP-mobile, Pivo and OP eServices.
After you have opened Money Box and enabled Auto Save through card, your savings will add up every time you pay with your card’s debit function.

How much does the card cost?

As an OP cooperative bank's owner-customer you get the daily services, including OP-Visa card, a current account and OP eServices, for 3.95 euros per month. For owner-customers, the bank’s service fees are primarily charged from OP bonuses.
Without the daily services, an OP-Visa card costs 2.95 euros per month.
For customers under the age of 26, the daily services, including one card, are free of charge.
The interest rate is the 3-month Euribor + 7.95 percentage points if the credit has debt with interest.
The monthly account service charge is 3.50 euros if the credit has debt with interest.

The effective interest rate calculated for used credit of 2,000 euros is 13,08 % (1/2020) if the customer has a daily service package. This calculation is based on the assumption that the card’s monthly charge is 2,06 euros and the monthly account service charge 3.50 euros, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2 136,07 euros.

The effective interest rate calculated for used credit of 2,000 euros is 14.15% (1/2020) if the customer has no daily service package. This calculation is based on the assumption that the card’s monthly charge is 2.95 euros and the monthly account service charge 3.50 euros, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2,146.75 euros.

Product Protection Insurance Covers card purchases with OP-Visa’s credit and debit facilities

Your purchases are insured regardless of whether you pay for them with the card’s credit or debit facility.

Coverage from blunders for 180 days

Your card purchases are covered for six months from the time of purchase in Finland, abroad and in online stores.

Free-of-charge insurance only for owner-customers

Product Protection Insurance is only included in the OP-Visa cards held by OP cooperative bank’s owner-customers and in joint cards linked to them.

Product Protection Insurance protects your card purchases from blunders

Sometimes all sorts of things happen, the phone slips from your hand or coffee spills on your laptop. Luckily, Product Protection Insurance covers card purchases made with OP-Visa from blunders for six months. You can enjoy this benefit for owner-customers by actively purchasing with your OP-Visa card.

Product Protection Insurance is a free insurance for owner-customers who have an OP-Visa Credit/Debit combination card, OP-Visa Gold, OP-Visa Platinum, or an OP-Mastercard. Joint holders of any of these cards are also entitled to the benefit, if the principal card-holder is an owner-customer. The insurance cannot be bought separately.

Coverage for your purchases, also those made abroad or online

Product Protection Insurance covers your purchases paid with OP-Visa’s credit and debit facilities in Finland, abroad and in online stores. The insurance covers purchases that conform to the terms and conditions for 180 days from the time when the card-holder acquires the item.

Product Protection Insurance may provide cover, for example, if your brand-new spectacles get broken, your new tablet falls to the floor or ground and gets broken or the screen of your mobile phone is damaged. The deductible is EUR 75, and up to EUR 2,000 is compensated for an individual item.

Insurance benefit for owner-customers

By becoming our owner-customer you are entitled, in addition to the Product Protection Insurance, to, for example, daily banking services at a lower cost and you earn value-for-money OP bonuses which offset banking service charges and insurance premiums. You can also buy, sell and switch many of our funds with no charges.

Product Protection Insurance is issued by Pohjola Insurance Ltd.

Learn more about Product Protection Insurance terms and conditions (pdf) (pdf)

Learn more about Product Protection Insurance product description (in Finnish) (pdf)

Set spending and withdrawal limits for your card

It is advisable to set spending and withdrawal limits for OP-Visa in the case of the loss of the card or fraud.
You can set such daily limits for withdrawals, card purchases requiring pre-authorisation hold and online payments and other distance purchases. Set the limits both on the credit and debit side.
The new spending/withdrawal limits will take effect immediately after you have changed them on OP-mobile or at op.fi as well as in customer service during its opening hours.
We recommend that you change these limits whenever you need.

Please note that the account may have a spending/withdrawal limit that restricts card payments, in addition to spending/withdrawal limit linked to the card.

Where to change the spending and withdrawal limits?

You can set the limits easily at op.fi and on OP-mobile. You can also call OP telephone service or visit an OP cooperative bank branch to change the limits.

Pay securely online Visa Secure (formerly Verified by Visa)

Visa Secure (previously Verified by Visa) is a service that enhances online payment security. Both the merchant and buyer are reliably authenticated on the service. To see whether a webshop uses this service, look for the Visa Secure logo.

How to pay online purchases using your card

Withdrawing cash at a checkout with OP-Visa

When paying for your purchase with your card, you can withdraw a maximum of 200 euros with the card.
The withdrawal fee for OP-Visa Credit is two euros plus 2,75% of the amount withdrawn.
Cash withdrawals with OP-Visa Debit are not subject to a charge.
Cash withdrawal is subject pre-authorisation hold, i.e. the same principle applies to such cash withdrawals as that to ATM cash withdrawals. You can see both the purchase and the cash withdrawal itemised on you bank statement. Credit withdrawals are also itemised in your Visa bill.

Do you want to close a second card?

If you have two payment cards, you can cancel the second card any time.

You can cancel your OP-Visa Electron yourself on the op.fi service. To cancel other cards, log in at op.fi and message us.

Please specify in your message:

the card you want to close
the last four digits of the card to be closed, and
your affirmation that you will destroy the card yourself.

To destroy your old card, cut the card into pieces so that the chip and the magnetic stripe are destroyed.

Do not destroy your old card until you have received your new card and confirmed that it is working.

Owner-customer benefits and OP bonuses through banking services

Owner-customers earn OP bonuses from:

Funds in savings accounts
Home loans, student loans and secured bank loans
Mutual funds and unit-linked insurance assets
Insurance premiums paid, such as home and motor vehicle insurance and continuous travel insurance

OP bonuses are used for the bank’s service charges and insurance premiums.

Estimate how much OP bonuses you could earn

Terms and Conditions

The card is granted by OP Card Company Plc.