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

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

You can close an unnecessary account by informing us of this in an online message. Select as the message subject Tilit ja maksut - Tarpeettoman tilin lopetus (Accounts and payments – Close an unnecessary account). 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 a card and/or eServices Agreement has been linked to your account, please state that you also want us to close your card and OP eServices or to transfer of these services to another account.

You will find more detailed instructions for closing an unnecessary account when you send the online message.

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.

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.

Bank statements and receipts – How do I order or print a bank statement/receipt?

Authorities often need receipts or bank statements for certain account transactions for the purposes of taxation, for example.

Receipts

You can browse your account transactions for the past 24 months free of charge in Transactions Feed. You can also easily print the receipt you need. Just click the relevant transaction and select Toiminnot - Avaa kuitti (Functions – Open receipt). To search transactions by the recipient’s name, click Etsi tapahtumia (Search transactions).

Bank statements

To print a bank statement on OP eServices, go to Päivittäiset raha-asiat – Tiliote (Daily banking – Bank statement). You can print the bank statement on OP eServices by selecting first a specific period (1 day – 1 year). When you have selected the period, you can download the bank statement to your computer or open it in a new window.

Online bank statements are available on OP eServices free of charge for the past six years. If you need older bank statements or receipts or if you want them to be printed at a bank branch, we can deliver those to you at your request. This service is subject to a charge based on the list of service charges and fees. You can request the bank statement or receipt in an online message. Select as the message subject Tilit ja maksut - Kuittien ja tiliotteiden tilaus esimerkiksi verotusta varten (Accounts and payments - Ordering receipts and bank statements for example for taxation purposes). Please note that bank statements older than 10 years cannot be retrieved.

Online bank statements open into a pop-up window. To open them, you must allow pop-up windows in your browser.

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.

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. 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.

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.