Why pay by credit card?

Paying with a credit card brings you many benefits – read our tips for payments and using your card.

A credit card enables flexible payment

Each month, you'll receive a bill for your credit card payments, meaning payments made using the credit facility. You can decide to pay it with a single payment or in instalments.

  • If you pay the bill in full, you'll avoid additional charges. The average interest-free billing period is 35 days. 
  • You can pay your bill in smaller monthly payments, too. In this case, interest and an account charge will be added to your bill in accordance with the terms and conditions for payment cards.

You get additional purchase protection

When you pay by credit card, the credit card company acts as a buffer between your money and the online store. The sum is charged from the credit account linked to the card, not directly from your bank account as in debit card payments.  
In accordance with the Consumer Protection Act, when you pay by credit card you get Purchase Protection Insurance, just in case problems occur. For example, you can seek a refund from the credit card company if goods ordered online don’t turn up, or your travel agent goes bust before your trip. 

Read more about filing card-payment complaints

As an owner-customer, you also get Product Protection Insurance for your OP credit card. This covers purchases – made with the credit or debit feature – for at least half a year against breakage, loss and theft. 
Read more about Product Protection Insurance


Strong identification protects payment 

Within the EU, the Payment Service Directive requires strong identification from the customer whenever account information or payment services are used. Strong identification applies to purchases paid using the debit or credit side of the card.
After entering your card details, you’ll be automatically forwarded to OP’s identification service, for identification using Mobile key or your OP User ID. After identification, you can accept the payment and await delivery with peace of mind.  

Read more about identification

Remember to only use your card details when paying by yourself in a reliable online store. Never confirm a transaction with Mobile key or a key code if you are unsure about the transaction or do not recognise it. The bank personnel or the authorities will never ask for your username or password for online banking, full card number or card PIN.

How to use your payment card safely 

Checking your card transactions is easy  

It’s easy to track and check card payments from the credit card transactions or the bill on OP-mobile and the op.fi service. It’s advisable to have recurring payments taken from a credit card so they don’t get mixed up with the other daily expenses. 

Enable OP-mobile notifications and avoid surprises. With notifications, you will immediately know when an amount is debited from your card or, say, your card payment fails. Real-time notifications improve your security and bring you peace of mind.
If you notice credit card transactions that you don’t recognise, deactivate your card immediately by calling OP’s Deactivation Service on 0100 0555 (open 24/7). Note that the name of the store where you made a purchase is often different from the name shown in the itemisation of transactions. So, also check the paid amounts and dates.

Read more about notifications on OP-mobile 

Read more about OP Deactivation Service

See how to file a complaint

Remember to set spending and withdrawal limits for your card  

Sometimes, a card can get lost or be stolen no matter how careful you are. Spending and withdrawal limits will protect the card against misuse in such cases. 
It is worth setting spending and withdrawal limits that correspond to your daily use of your card. You can set daily spending and withdrawal limits for cash withdrawals, swiped payments, and online and in-app payments. If you rarely make online purchases, the limits for online purchases should be kept small. If you set the limit to 0 euro, your card can’t be used for online purchases at all. 
You can change the limits easily, whenever you wish, on OP-mobile or the op.fi service. The new limits will take effect immediately. 

Check the spending/withdrawal limits of your card

Read more about changing your card’s spending and withdrawal limits

What is a credit card?
Henkilö muuttaa maksukortin turvarajoja puhelimella OP-mobiilissa.
Set daily spending limits on your card