Accounts and payments

Frequently asked questions

Accepted personal ID documents

Your identity is verified each time you visit a bank. We do this to ensure that we are taking care of your business confidentially, with you and no-one else.

If damaged or old information in your document prevents us from verifying your identity (we cannot, for example, identify you reliably from the picture), we cannot accept the document.

If you do not have an acceptable document for identity verification, your identity can be verified at the police station. For more information, go to www.poliisi.fi.

You can use the following documents for proving your identity at a bank

Documents accepted by OP cooperative banks for the verification of identity, excluding verification for OP eServices user identifiers (strong electronic authentication credential).

Following documents issued by a Finnish authority are accepted, if valid:

  • driving licence issued to a Finnish citizen, a temporary licence is not acceptable
  • ID card issued after 1 March 1999
  • passport, sailor's passport, diplomatic passport
  • alien’s passport or refugee travel document
  • health insurance card with a photograph (KELA card)

Following documents issued by a foreign authority are accepted, if valid:

  • national passport issued by a foreign official
  • ID card issued by an authority in an EEA country, Switzerland or San Marino that is accepted as a travel document

You can use the following documents for proving your identity if your business concerns OP eServices user identifiers

OP eServices user identifiers are a strong electronic authentication credential issued by OP Financial Group that you can also use in services provided by other parties, such as Kela and tax authorities.

Following documents issued by a Finnish authority are accepted, if valid:

  • driving licence issued to a Finnish citizen after 1 October 1990 (until 2018), a temporary licence is not acceptable
  • ID card issued after 1 March 1999
  • passport, diplomatic passport
  • alien’s passport or refugee travel document whose holder's identity has been reliably established

Following documents issued by an authority in an EEA country, Switzerland or San Marino are accepted, if valid:

  • passport, diplomatic passport
  • ID card accepted as a travel document

Recorded payment default, credit information register – What does recorded payment default mean and what does it affect?

A payment default is recorded in the credit information register in case you default on payments. This may affect your opportunities to get banking and insurance services but its effect on whether you get the service or not depends on the banking or insurance service, the number and nature of such default records.

Information on the effects of a recorded payment default on a customer's eligibility for our services is available from our customer service.  General information on payment defaults can be found on the website of FINE's Financial Ombudsman Bureau.

 

IBAN, BIC, international payments – How can I make a payment abroad?

You can easily make international payments anywhere in the world on OP eServices.

On OP eServices, you can make an euro-denominated payment by selecting New payment. There is no service charge for euro-denominated bills to EU countries. Euro-denominated payments are made using the international bank account number (IBAN) and the bank identification code (BIC). The payment is delivered within one banking day, after which the receiving bank will transfer the payment to the payee.

If you are paying in a currency other than euro or if the payment goes outside SEPA, select International payment. Then you need to select a payment method. If you select Payment order, the payment will be delivered in 3 to 6 banking days. If the payment is urgent, select Urgent payment order, and the payment will be delivered 1 to 2 banking days faster. These payments are subject to a charge, but its size depends, for example, on whether the payee pays all charges.

For more information on international payments, call our Telephone Service OP 010 253 1333.