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Security of online services

OP’s online services have been designed to support easy and secure use of services. Online services’ security features have been developed to prevent cybercrime. You will notice some of these features when using our services, whereas others run in the background.

Ensure that your connection is secure and check the certificate 

Always enter the address for the online bank ( in your browser’s address bar personally whenever logging into the online bank. Do not click links in emails or SMSes. Do not log into the online bank from the results page of a search engine (such as Bing or Google).   

Check the browser’s address bar to make sure that you are at the right address, and that the address is protected. Click on the padlock in the address bar to view the website’s digital certificate. Check the following information:   

  • The website's certificate has been issued to OP Financial Group (such as OP Osuuskunta).   
  • On the genuine OP website, the address in the address bar and certificate is or In the OP Identity Provider Service, the address   See the bottom of this page for a full list of addresses for services provided by OP. 
  • The certificate is valid   
  • The issuer/publisher of the certificate is Entrust.   

The example image is from a Edge browser on desktop (to view the certificate’s details, click Certificate):

Please note that the padlock icon and its content may differ, depending on your browser. 

Always check that the connection you’re using is encrypted and that you’re using the latest browser versions in order to ensure a secure and smooth use of services. 

See the list of supported browsers

All OP eServices is protected with the HTTPS connection, which encrypts data sent across the network in such a way that no unauthorised party can see your confidential information. Supported browsers automatically use the TLS encryption that protects HTTPS traffic.

Also, take special care to ensure that the data security of the computers or other devices you use to access OP’s online services is up to date.

You can log into OP’s online services securely with the online service user identifiers issued to you. Your user ID is personal. Never give or lend it to anyone else.

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.