Accounts

Frequently asked questions

Account access rights – How do I add and remove access rights to my account?

You can grant access rights to your account to another person by sending us an online message. To send an online message, log into op.fi.

Please indicate the following information in the online message

  • number of the account to which the access rights will be added
  • name and personal ID of the person to be authorised.
  • scope of the access rights: authorised to use the account at an OP bank branch alone or both at an OP bank branch and OP eServices.

If the holder of the access rights is not yet OP’s customer, the authorised person must visit a bank branch to activate the access rights.

You can remove another person’s access rights to your account by sending us an online message. Please indicate in this online message your account number and the name of the person whose access rights will be removed.

Send an online message

Account balance and interest certificates – When do I need them and how can I order one?

The account’s balance certificate shows the current day’s balance at the moment of query, in the case of death the balance on the date of death and in the case of a distribution the balance on the date of distribution. You may need a balance certificate for the distribution of an estate, pledging or for other cases where your wealth has to demonstrated. You can check the account’s current balance free of charge on OP eServices.

The account’s interest certificate shows the deposit interests that have accrued on the account by the said date but which have not yet been paid to the account. You can check the paid interests yourself on OP eServices or from a copy of bill.

The most convenient way to order a balance and interest certificate is by an online message. To send an online message, log into op.fi. Please indicate in the online message the account number and the date for which the certificate is needed. Note that ordering the account’s balance and interest statement is subject to a charge.

Send an online message

Account transaction limits – How do I change my account’s transaction limits? When paying a bill, I receive a notification about exceeding my account’s transaction limit. How can I pay the bill?

You can edit your account’s transaction limits by logging into op.fi.
 
Note that changing your account’s transaction limits requires further confirmation, so please have the phone linked to your further confirmation close by when making the change.
 
 
Note that you can also set separate daily withdrawal/spending limits to a card linked to this account.
 

Go change the withdrawal/spending limits for card payments 

Received a notification about exceeding your account’s transaction limit when paying a bill? The notification means that your account’s usage limits restrict the amount of payments and withdrawals per day. To change the usage limits, go change the account’s transaction limits and try to make the payment again in a while.

Bank statements and receipts – How can I save or print out a bank statement/receipt?

Authorities often need receipts or bank statements for certain account transactions for the purposes of taxation, for example. You may also need to attach a bank statement to a Kela application.We have drawn up guidelines that you can use to easily save or print out bank statements or receipts on the op.fi service.

Go and read the guidelines
 

BIC – What is my account’s BIC?

OP cooperative banks’ BIC (or SWIFT) is OKOYFIHH, and it is the same for all OP accounts. If you need the BIC of a bank that is not an OP cooperative bank, you need to check it from the payee or the payee's bank.

Closing an account – How do I close an unnecessary account?

You can close the following accounts by yourself on the op.fi service: Current Account, Growth Return Account, Step-up Account, Special Purpose Account, Continuous High-yield Account and ASP Account. However, you can’t close your last remaining account or a jointly owned account by yourself on the op.fi service. If any services are linked to your account to be closed, such as a card, or if there are unconfirmed payments, the service will direct you to carry out the measures necessary to close the account and/or to send an online message.

Please note that the account’s balance must be positive or at least 0.00 euros for you to be able to close the account by yourself. You also must select an account to which the funds of the account to be closed will be credited. The account to be credited must be selected even if the balance of the account to be closed is 0.00 euros. After closing the account, you can save a bank statement of the closed account, if needed.

Close your unnecessary account at op.fi

Closing an account by online message

If you can’t close an account by yourself on the op.fi service, send us an online message.

Select Tilit ja maksut (Accounts and payments) as the online message subject. Please indicate in the message the account number of the account to be closed and the account number of the account to which any remaining funds will be transferred. If any services have been linked to your account, such as a card and/or eServices Agreement, please state that you also want us to either close these services or transfer them to another account. If you wish to transfer the services to another account, please specify the number of the account that the services are to be linked with. If you wish to close your card, let us know the last four digits of the card.

Please note that it’s not possible to close an account if there are any pending or unconfirmed payments or e-invoices. The account must have sufficient funds to cover service charges. If the account to be closed is a joint account, we need a request for closing the account from all account holders.

Send an online message

Joint account – How do I open a joint account? What if I want to add another holder to my account, how can I do that?

A Joint Bank Account is a current account dedicated to paying your household expenses. Keeping up with family finances is easy with an account for the purpose.

Read more about the Joint Bank Account and opening it

Adding another holder to an account

The most convenient way of adding another holder to your account is by sending an online message. To send an online message, log into op.fi.

The holder who will be included in the account will sign the account agreement on the Electronic Signature Service or at a bank branch. It is possible to sign the account agreement electronically, if the holder to be included in the account is already a customer of the same OP cooperative bank and they have OP eServices user IDs.
 
Copy the other one of the texts below in the online message, and fill in the missing details:
 
“Please include (name and personal ID code) as the other holder of my account (account number). Both of us use the account separately (OR account).”
OR
“Please include (name and personal ID code) as the other holder of my account (account number). We use the account only together at a bank branch (AND account).”
We will update the details when we have received the future account holder’s signature in the account agreement.
 
If necessary, the person about to become the other account holder can book an appointment for a meeting at a bank branch. A valid personal ID document must be presented at the meeting.
 
 

Money transfers – How long does it take to transfer money from one account to another?

Transfers between OP’s accounts, Siirto payments and incoming SEPA Instant Credit Transfers are made immediately. Inter-bank SEPA payments mostly arrive on the same day if the payment has been made on a weekday before 14.00. International payments normally arrive within 2–6 weekdays. If they are made as urgent payment orders, they arrive 1–2 days earlier.

Monthly charge for an account – How is the monthly charge for a current account and basic payment account debited?

The monthly charge for a current account and basic payment account will be debited from the account as of 1 November 2020 in connection with any other service charges debits.

Monthly charge for an account – What types of accounts and customers does the monthly charge for a current account apply to?

A monthly charge for an account will apply to all current accounts and basic payment accounts in accordance with the list of charges and fees as of 1 November 2020. No monthly charge will be debited:

  • from owner-customers*
  • from customers aged under 26
  • for pledged accounts
  • for the current accounts of death estates

*Free of charge for owner-customers in that OP cooperative bank in which all holders of the account have an owner-customer membership.

Naming accounts – I have many accounts; can I name them how I want?

You can name your accounts by logging into op.fi.

By naming your accounts shown at op.fi the way you want, you can separate the accounts from each other easily. The account name will be changed only on op.fi and OP-mobile.

Go to Tilin tiedot (Account details) to name your accounts Press the button Muokkaa (Edit) next to the account name.

You can choose which of your accounts are shown in Päivittäiset raha-asiat (Daily banking services) and in which order. In Omat tilit (My accounts), you can see all your accounts from which you can choose up to five accounts to Päivittäiset raha-asiat (Daily banking services).

Go change the order of your accounts

Opening an account – How do I open an account for my child or godchild?

The most convenient way of opening a current account for your child or godchild is by logging into op.fi.

Read more about children’s current account and opening it

Preauthorisations – What are they and how can I monitor them?

Preauthorisations ensure that your account has enough money for paying your purchases. The seller puts a hold on the purchase amount on your card as a preauthorisation before the actual payment transaction takes place. Note that even though the preauthorisation is not a payment transaction you cannot use the funds put on hold. The preauthorisation is removed when the money is debited.

You can monitor the preauthorisations in Transactions Feed, where you will see any preauthorisations and check their contents. Click on the word katevaraus (preauthorisation) to see more details of the purchase events that make up the preauthorisation.