Accounts

Frequently asked questions

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

You can add or remove access rights to your account at op.fi if your account is one of the following: current account, growth return account, step-up account, special purpose account, continuous high-yield account or fixed-term high-yield account. If your account has several account holders or if you are underage, you can’t change your account access rights.

To add or remove access rights in the op.fi service, select: Tilin tiedot (Account details) - Omistus ja käyttöoikeudet (Ownership and access rights).

Go to account details

What to do if you can’t add or remove access rights yourself

Message us on OP-mobile or at op.fi. Select Tilit ja maksut (Accounts and payments) as the topic of the message.

To add access rights, include the following in your message:

  • number of the account to which the access right will be added
  • name and personal identity code of the person obtaining an access right
  • the scope of access rights: 1. rights to obtain information, 2. extensive access rights and rights to obtain information.

If the holder of access rights is not yet OP’s customer, the person must visit an OP branch to prove their identity and activate the access rights.

You can also remove another person’s access rights to your account by messaging us. Include in your message your account number and the name of the person whose access right you wish to remove. Example text: I want to remove the access right of (name) from my account number (account number).

 Send a 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?

Closing an account via self-service on the op.fi service

If you have OP’s user ID, in most cases, you can use the op.fi service to close the following account types, on a self-service basis: Current Account, Money Box, Growth Return Account, Step-up Account, Special Purpose Account, Continuous High-yield Account and ASP Account.

Please note that the op.fi service is available in Finnish and Swedish.

Close your account

It is not possible to close an account via self-service if, for example, the account is your last one with OP. In such a case, contact our customer service by sending us a message through the op.fi service or OP-mobile. 

Read more about closing an account

Closing an account with another bank’s user ID

Please contact our customer service through chat. You can contact our customer service through chat in Finnish or Swedish.

During the chat, you can use a user ID issued by another bank to verify your identity: in most cases, our customer service will be able to close your account during the chat, once you have verified your identity. 

If your account cannot be closed via chat, you can call our customer service.

Read more about closing an account

Closing an account without any bank’s user ID

If you would like to close an unnecessary account and you do not have a user ID with any bank, please contact our customer service by phone. Our customer service will advise you on how to close the account.

Go to customer service page

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 of current account – How is the monthly charge 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 of current account – To whom the monthly charge apply?

The current account is subject to a monthly charge that is based on the list of service charges and fees.

Learn more about the list of service charges and fees

Current accounts are free of charge for customers under 26 years of age, and for accounts held at the OP cooperative bank where the holder is an owner-customer. If an account has several holders, it will only be free of charge if all account holders are owner-customers of the OP cooperative bank where the account concerned is held.  

Please note that each OP cooperative bank can have owner-customers. You can check your owner-customer membership on OP-mobile at More - Owner benefits, and Owner-customer and benefits (Omistaja-asiakas ja edut) at op.fi or through our customer service. Please note that the op.fi service is available in Finnish and Swedish only.

Go to owner-customer and benefits section

A monthly charge is not debited from the current account that has been pledged or belongs to a death estate.

Our current accounts have been subject to charges since 1 November 2020. We announced the monthly charge for current accounts in a message or letter we sent in August 2020 concerning changes to our service charges and fees.

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 the Transactions Feed (Tapahtumavirta) when you have logged in to the op.fi service. Please note that the Transaction Feed is only available if you log in to the op.fi service in Finnish or Swedish. In the Transactions Feed you will see any preauthorisations and you can check their contents. Click on the preauthorisation (katevaraus) to see more details of the purchase events that make up the preauthorisation.

Opening an account for a child – In what situations is it not possible to open an account online?

It is not possible to open an account online if

  • you do not have an OP user ID.
  • the other guardian/parent does not have online bank user identifiers at any Finnish bank
  • the child has more than two guardians
  • a district court has issued a decision on the child’s guardianship.

In these cases, you can open an account for the child by booking an appointment at your bank branch.

Book an appointment