OP's user ID for children and young people

As a child grows, also the need for banking services grows. We have suitable user IDs for children and young persons of different ages for handling banking matters – even independently. If the child doesn't have an account of their own, you can open an account and apply for a user ID during the same visit to a branch. A card, the user ID and digital services are free of charge to children.

What kind of services can children and young people use once they have a user ID?

A 7–14-year-old child can have access to OP's digital services for young people, allowing them to

  • check the balance and transactions of accounts to which they have access rights on OP-mobile.
  • use the OP Accessible online service to make payments from accounts to which they have access rights. A 7–14-year-old may not use the op.fi service. 
  • pay for online purchases from accounts to which they have access rights. 
  • confirm card payments for online purchases with Mobile key.

Guardians can restrict service use by controlling the access rights of an account and card. Digital services for 7–14-year-olds are more limited than those for older children, to ensure that they can practice their personal financial skills safely.

Children aged 12 and older can also be granted strong electronic identification. This allows them to use services on OP-mobile as well as MyKanta, Kela and Studyinfo (Opintopolku).

A youth aged 15 and older can be granted access to OP’s digital services for young people. A youth can

  • check the balance and transactions of 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. 
  • confirm card payments for online purchases with Mobile key.
  • confirm card payments with Mobile key.
  • with the guardian’s consent, manage investments independently. 

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

I am OP's customer, and my dependant is 7–14 years of age

 

  • The child can get an OP user ID from a bank branch. The guardian must visit the branch with the child. The child will need to bring a valid passport or identity card, whereas the guardian can also prove their identify with a driving licence. See which identity documents we accept
  • 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 an informal power of attorney is not considered valid for this purpose: authorisation must be granted formally online. Read more about how to deliver the 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. Book an appointment here 
I am OP's customer, and my dependant is 15–17 years of age

 

  • The young person can get an OP user ID from a bank branch. They will need to bring a valid passport or identity card to the bank. In addition to a passport or an identity card, the guardian can also verify their identify with a driving licence. See which identity 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, we'll need a separate consent from the guardian. Read more about independent investing for your people 
  • 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 can't give their 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 using the Opotti chatbot. See the instructions further down the page. 
  • Young persons aged 15–17 can also visit the 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 Opotti chatbot. Informal power of attorney is not considered valid for this purpose. See below for instructions.

The child or young person will need to bring a valid passport or identity card to the bank. In addition to a passport or an identity card, the guardian can also verify their identify with a driving licence. 

How to give consent via chatbot Opotti 

  • Begin a conversation with chatbot Opotti by clicking or tapping the orange button in the bottom right corner of this page. Opotti is available on weekdays 8–22. 
  • Answer Opotti’s questions. After the questions, Opotti will ask whether you want a bank employee to join in the conversation. Ask for a bank employee to join in. 
  • The bank 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. Go to investing for young people 

You can also call our Customer Service at 0100 0500 (Mon–Fri 8–16, local/mobile network rate)

OP-mobile and Mobile key for a young person

If a child or young person already has an OP user ID, they can use OP-mobile and Mobile key. The under-15s will be able to check their account information and card transactions on OP-mobile and confirm card payments in online stores with Mobile key. With the consent of their guardians, the over-12s will also be able to identify themselves with Mobile key on services requiring strong identification, such as Studyinfo, MyKanta or Kela.