How to obtain an OP user ID for a child or young person

Banking services for children and young people are improved in spring 2022 as we begin to offer mobile services for minors on OP-mobile. 

Underage persons who have OP's user ID can continue using OP's digital services and download OP-mobile from their device’s app store.

If your underage child does not have an OP user ID, you can get one from an OP bank branch. Please note that this needs the consent of all the child’s guardians. An informal power of attorney is not considered valid for this purpose. See the instructions on this page.

What must you and your dependant do? 

If your dependant does not yet have an OP user ID, see below how to apply for an ID and instructions for visiting the bank.

I am OP's customer and my dependant is 7–14 years of age
  • The child receives an OP user ID from the bank branch. The guardian must visit the bank branch with their child. You will both need to bring a valid personal ID document with you. Read more about accepted personal ID documents
  • If the child has another guardian who does not visit the bank with you, you will need their authorisation in order to receive the user ID. Please note that informal power of attorney is not enough: authorisation must be granted formally online. Read more about how to deliver a power of attorney to the bank
  • After you have a power of attorney from the other guardian, visit or book an appointment at a bank branch. 
I am OP's customer and my dependant is 15–17 years of age
  • The young person receives an OP user ID from the bank branch. They will need to bring a valid passport or ID card to the bank. Guardians also need to bring along a valid personal ID document to handle banking services at a bank branch. See which ID documents we accept     

  • If the young person visits the bank branch alone, the guardians must give their advance online consent to the granting of a user ID. If only one of the guardians visits the bank branch, the other must give their consent in advance. The guardians can give consent at op.fi using the general power of attorney. Informal power of attorney is not considered valid for this purpose. Read more about giving consent

  • If the young person needs an OP user ID to manage investments, see the instructions on our website 
  • After the guardians have given their consent, the young person can book an appointment or visit the bank branch.  
I am not an OP customer but my dependant is

If your dependant needs an OP user ID but either of the guardians cannot give consent at op.fi, do as follows:   

  • At least one of the guardians of the child aged 7–14 must visit the bank branch with their child. The absent guardian must grant power of attorney beforehand, online. Please note that informal power of attorney is not considered valid for this purpose. The power of attorney can be granted easily with the Opot chat feature. See instructions below. 
  • Young persons aged 15–17 can also visit the bank branch alone. In this case, both guardians must give their online consent before the young person visits the bank. If one of the guardians visits the bank branch, it is enough that the other give their consent beforehand. Consent can be given via the Opot chat feature. Informal power of attorney is not considered valid for this purpose. See instructions below.  

The child or young person will need to bring a valid passport or ID card to the bank. The guardian must also bring a valid ID card. 

How to give consent via the Opot chat feature 

  • Begin a conversation with Opot from the orange button at the bottom right corner of this page. Opot is available on weekdays 8–22.  
  • Answer the Opot’s questions. After asking some questions, Opot will ask whether you want a human employee to join the conversation. Ask for a human employee to join. 
  • The employee will send the consent or power of attorney to OP’s Electronic Signature Service for you to sign. 

If the young person needs an OP user ID to manage investments, see the instructions on our website 

If required, you can also call our customer service on 010 252 9626 (Mon–Fri 8–16, local/mobile network rate).  

 

How to ensure that things go smoothly at the bank branch

  1. Ask for consent or a power of attorney from the other guardian ahead of time 
    If the child or young person has a second guardian who cannot attend the visit to the bank, you will need their consent or power of attorney to agree on digital services and receive a user ID issued by OP. Guardians can give their consent or grant power of attorney either online or at the branch — see above for instructions. Informal power of attorney is not considered valid for this purpose.
  2. Book an appointment 
    You can visit most of our bank branches without an appointment. However, check your bank’s opening hours and appointment policy on our website 
    If you don’t want to wait in queue or if your bank requires an appointment, you can book an appointment for 30 minutes online. When booking, select “Activating op.fi for a minor” as the topic.

    Thirty minutes is enough for activating OP’s digital services for a minor. In the case of several minors or if you wish to, for example, open an account, use the ”Managing affairs for minors and the young” specifier when booking an appointment online and then select “Office” as the type of meeting. Book an appointment here   
  3. Check that your personal ID is valid and bring it with you 
    Your dependant will need to bring a valid passport or ID card to the bank. The guardian must also bring a valid personal ID. Read more about accepted personal ID documents   

What kinds of services can children or young people access once they have a user ID?

OP’s digital services for young people can be made available to children aged 7—14. A child with a user ID can

  • Use OP-mobile to view accounts to which they have access rights.
  • Use OP Accessible to make payments from accounts to which they have access rights.
  • Make online payments from accounts to which they have access rights. 
  • Confirm a card payment with Mobile key, if their card can be used for online payments.

Guardians can restrict the use of services by controlling the access rights of the account and card. Digital services for children between these ages are more limited compared with older children to ensure they can practice personal finance skills safely. 

Young persons aged 12 and older can also be granted strong electronic identification. This allows them to use services in OP-mobile and op.fi as well as My Kanta Pages, Kela and Studyinfo (Opintopolku).

Access to OP’s digital services can be granted for youths if they are at least 15 years old. A young person can

  • View their own accounts on OP-mobile and the op.fi service.
  • Use accounts, for which they have access rights, to make payments on OP-mobile and the op.fi service. 
  • Use Mobile key to make online purchases from accounts to which they have access rights.
  • Confirm card payments with Mobile key.
  • With the guardian’s consent, manage investments independently.

After turning 15, young persons can practice personal finance skills with a wider range of services than before. Young persons gain access to even more services once they turn 18.

Where can you find more information?

In addition to the chat feature, our customer service is available by phone on 0100 0500 (Mon–Fri 8–16, mobile/local network rate).