Credentials – key to OP’s services

Your user ID enables you to log into OP’s services, confirm online payments for various service providers, sign documents such as agreements and applications, and authenticate yourself on many authorities’ online services.

When authenticating yourself or paying with your user ID, please make sure that the service you’re using is secure. When you authenticate yourself electronically by using a strong electronic authentication method (such as the Mobile key or key code list with an SMS confirmation), using the service is secure for you.

You can recognise OP’s authentication and online payment buttons from OP’s logo. You can recognise OP Identity Provider Service from the URL address and certificate appearing on the browser’s address bar. They ensure that you are on the correct site.

Your user ID is your ID document when you’re online

Your user IDs are personal, never give or borrow them to anyone else. Using your user ID is equal to your signature. Agreements, orders, applications and messages signed with your user IDs are binding on you. When you authenticate yourself or confirm transactions with your user ID, always make sure that the service you’re using is secure.

User IDs provided by OP

Depending on your agreement with us and the services you use, you may have an OP eServices user ID, OP service user ID or Corporate eServices user ID.

OP eServices user ID

The eServices user ID is a strong electronic authentication credential registered in the Finnish trust Network (FTN) and approved by the Finnish Transport and Communications Agency. This user ID enables you to pay on online services and authenticate yourself, not only on OP’s digital services, but also on public sector services such as

OP service user ID

With the service user ID you can authenticate yourself, confirm transactions on OP’s digital services and make payments on websites that have OP’s online payment buttons.

Corporate eServices user ID

With this user ID you can authenticate yourself on OP Corporate eServices and do transactions for one or several companies.

Identification means included in user IDs

You can log into services and confirm transactions using your username, password and key code list. Sometimes a further confirmation is also needed when you want to view account details or confirm payments. We will then send you an SMS containing the details required for further confirmation. Please make sure you have linked your personal phone number (so-called further confirmation phone number) to your user ID.

On OP-mobile or OP Business mobile, you can activate the Mobile key. You can then log into these apps and confirm transactions with your Mobile key PIN. On these mobile apps, you can also authenticate yourself using fingerprint or face login, depending on your mobile device. To enable the Mobile key, you need your username, password and key code list. Your personal phone number also needs to be linked to your user ID as a further confirmation phone number.

Remember to hold on to your username, password and key code list also in the future, even if you mainly do your transactions with the Mobile key.

Instructions for use of online user identifiers username, password, key code, key code list

Always check the website address and certificate

  • The address on your browser's address bar begins with https://
  • The website's certificate has been issued to OP Financial Group (e.g. OP Osuuskunta)
  • The certificate contains OP’s domain name
  • The issuer/publisher of the certificate is Entrust, DigiCert or Symantec
  • The certificate is valid

Username and password

When logging into the service, enter you username and password. It pays to commit your username to memory because it will always remain the same.

For reasons of security, OP eServices ask you to change the password when you log into the service for the first time. We recommend that you change your password on a regular basis.

Key code and key code list

The service asks you to enter one key code in random order when you

  • log into the service
  • confirm a payment or payments
  • sign agreements.

Find the string of numbers on the key code list that matches the bank's number, type it into the field in the screen and select Jatka (Continue). The key code can be found on your list next to the bank number on the right.

Replace your key code list with a new one before you have used up all the pairs of numbers. For this purpose, you need three unused pairs of numbers.

We will automatically send you a new list of key codes when you have 20 codes left. It will be delivered by mail to the address available in our customer data.

How do you activate a new key code list?

You can change your key code list on OP eServices or OP-mobile. Log into the service and select

  • (available only in Finnish): Oma Profiili > Turvallisuus > Tunnukset > Avainlukulistan vaihto
  • OP Accessible ( Service management > Replace key code list

You need your current key code list with three unused pairs of key codes left and a new key code list that indicates the number of the key code list. That number has ten digits.

User identifiers are personal

The use of online user identifiers is equivalent to your signature and all orders given, messages sent, applications submitted, and agreements concluded using your identifiers are binding on you in relation to the bank or other service provider.

If you would like another person to be able to do your daily banking on your behalf, you can grant this person access right to your account. The persons you have authorised can use your account with their own user IDs, for example pay bills. To grant access right to your account in the service, select: Tilin tiedot (Account details) - Omistus ja käyttöoikeudet (Ownership and access rights).

Go to account details (requires login)

Below is a list of all services provided by OP that you can access with your user ID. 

  • Banking and insurance services for corporate customers (Corporate eServices)
  • Banking and insurance services for private customers (in Finnish and Swedish)

  • OP Accessible

  • OP's Electronic Signature Service

  • Vendor Service

  • Cash Management Service

  • Ordering a Corporate eServices user ID

  • OP Loan


  • OP Rahoitus

User identifiers enable you to authenticate yourself and make secure online payments. At the moment of authentication and payment, you will be transferred to an OP service. You can recognise it from the OP logo as well as the address and certificate on your browser’s address bar.

  • OP online payment: This service enables you to pay your purchases at a webshop from your bank account.,

  • OP Identity Service Broker and OP Identity Provider Service: These services enable you to authenticate yourself to a service provider’s service.,

  • OP Confirmation Service: This service enables you to authenticate yourself to services and confirm your card payments.

  • When you’re in an external provider’s service, this address opens and enables you to confirm payments directly from your account and confirm account information queries 


When you authenticate yourself with your personal user identifiers to our telephone service, you can manage your banking affairs by phone.

  • Private customer banking services 0100 0500
  • OP Corporate and Payment Services at 0100 05151

To use our apps for smartphones and tablets, you need to download them from your device’s app store. Before downloading, make sure that the app is published by OP (OP Osuuskunta or OP Ryhmä)


  • for Android 
  • for iPhone, iPad

OP Business mobile

  • for Android
  • for iPhone, iPad  

Pivo mobile wallet

  • for Android
  • for iPhone, iPad

Aside from the abovementioned OP services, you can use your credentials on such payment order and account information services that comply with the Payment Services Act.