Cards

Frequently asked questions

My card does not work – What could be the reason?

Deactivating a card - Is your card lost or stolen?

My card is broken – How can I get a new one?

The card PIN does not work – The PIN has been locked

PIN code lost or forgotten – Reorder your PIN code

Cancel an unnecessary card

Increasing the card’s credit limit – How can I increase my credit card’s credit limit?

Card spending and withdrawal limits – How do I change the spending and withdrawal limits of a card?

Credit and debit facilities

FAQ about Apple Pay – What is Apple Pay?

If my bill contains transactions that I do not recognise, what should I do?

Change a card type - How can I change a card type, for example from OP-Visa to OP-Visa Gold?

Can I transfer credit from my credit card to my account?

Credit card bill due date – How can I change the due date of my credit card bill?

Use of credit card - How can I repay my credit card debt during the billing period?

Visa Secure – What does Visa Secure mean?

Use of credit card - How can I change the minimum monthly payment of my credit card bill?

Visa card details can now be automatically updated to ordering and streaming services

Miten lisään Plussa-ominaisuuden kortilleni?

Product Protection Insurance – What does it cover? How does the insurance work?

Contactless payment – Can I make contactless payments with OP’s card?

Paying for hotel accommodation and car rental – What card can I use to pay?

Paying online – What cards enable me to shop online?

Debit and Credit – What is the difference between Debit and Credit payments?

Payments at shops abroad – What cards can I use to pay for purchases overseas?

Paying a credit card bill – How can I pay my credit card bill or repay my credit card debt automatically?

My card does not work – What could be the reason?

If your card doesn’t work, the reason is usually the card’s spending/withdrawal limit, the available credit facility, reaching the card’s expiry date or the card becoming locked. If your card doesn’t work, you can usually solve the problem yourself.

Why isn’t my card working? Read more detailed instructions

Deactivating a card - Is your card lost or stolen?

If your card is lost or stolen, phone OP Deactivation Service immediately: 0100 0555 (24/7). When you call the deactivation service, you don't need your card's number; your personal ID is all you need. Your liability ceases at the time when you report your card lost or stolen, and you will not lose your money if anyone tries to use your card.

New card to replace the lost or stolen one

Your card stops working immediately once you report your card lost or stolen. If you find your card that you have reported lost or stolen, don't use it but wait for a new card.

You will be automatically ordered a new card and PIN when you call the Deactivation Service and report your card lost. You will receive the new card within a week or so.

My card is broken – How can I get a new one?

There may be dust on the chip. Wipe the chip slightly, say, on your shirt sleeve.

If wiping does not help, the chip may be damaged. Log into op.fi and order a new card 

The card PIN does not work – The PIN has been locked

PIN code lost or forgotten – Reorder your PIN code

You can reorder your PIN code yourself by logging into the op.fi service. Log in, select the card for which you need the PIN code and make the order (in Finnish). You will receive the PIN code in the mail within about three banking days.

Log into op.fi

If your PIN code is compromised (you know or suspect that an outsider has learned your PIN code), you must deactivate your card and order a new card, at which point your PIN code will also change. Deactivate your card immediately by calling OP’s Deactivation Service at 0100 0555 (24/7). You will be automatically ordered a new card and PIN code when you call the Deactivation Service.

Cancel an unnecessary card

When you have received a new card and seen that it works, you can cancel your old card.
 
If you have OP-Visa Electron, you can cancel it yourself by selecting Cancel card (Lopeta kortti) in the cards section.
 
To cancel other cards, log in at op.fi and message us.
 
Please specify in your message:
  • the card you want to cancel
  • the last four digits of the card to be cancelled, and
  • information that you’ll destroy your card yourself.
To destroy your old card, cut the card into pieces so that the chip and the magnetic stripe are destroyed.

Increasing the card’s credit limit – How can I increase my credit card’s credit limit?

You can increase the credit limit in the op.fi service or on OP-mobile.

Increase your credit card limit in the op.fi service

Read more about how you can increase your credit limit

Card spending and withdrawal limits – How do I change the spending and withdrawal limits of a card?

It is advisable to set spending and withdrawal limits for your payment card in the case of the loss of the card or fraud.
 
You can change the daily spending and withdrawal limits of your payment card yourself quickly and easily on OP-mobile or op.fi.
 
You can set daily spending and withdrawal limits for:
 
  • cash withdrawals. This means how much cash you can withdraw with the card at an ATM in Finland and abroad or at a store check-out.
  • pre-authorised purchases. This means how much money you can use to make purchases with the card for example in stores and restaurants. 
  • online purchases and other distance purchases. This means how much money you can use to make purchases with the card online or for example over the phone.  
 
You can set all of the spending and withdrawal limits separately for credit and debit use.
 
New limits take effect immediately. You can make changes to the spending and withdrawal limits as often as you like.
 
If you, for instance, set the online purchase spending limit to zero (€0), your card cannot be used to buy anything online.
 
Change your cards spending and withdrawal limits at OP-mobile or op.fi (in Finnish)
 
You can make changes to the limits at an OP cooperative bank branch too or by calling our Customer Service
 

Credit and debit facilities

On OP’s payment cards, the credit card number is on the front of the card.

The debit card number and the CVC number are on the back of the card.

FAQ about Apple Pay – What is Apple Pay?

Apple Pay is a mobile payment service provided by Apple. You can add your OP’s Visa card to Apple Wallet to pay with Apple Pay in stores, online and in apps with just your Apple device. Read the FAQ about Apple Pay

If my bill contains transactions that I do not recognise, what should I do?

As soon as you get your  bill, check the transactions. Keep the receipts and documents of your Visa purchases until you check the bill. If your bill has an ambiguous or extra debit amount, please contact customer service. Make complaints as soon as possible. Please note that the payee’s name shown in the bill is not always equivalent to the merchant’s name.

Contact our customer service

Change a card type - How can I change a card type, for example from OP-Visa to OP-Visa Gold?

It is often advisable to change the card type, say, from a payment card to a credit card or a credit card with more additional services.
 
Learn more about OP's cards. When you find a card that best suits your needs, you can fill in a card application. You can also apply for the card by phone.
 
You will receive your card within 1–2 weeks.
 

When you have received a new card and seen that it works, you can cancel your old card.

If you have OP-Visa Electron, you can cancel it yourself by selecting Cancel card (Lopeta kortti) in the cards section.

To cancel other cards, log in at op.fi and message us.  

Please let us know in the message:
  • which card you want to close
  • the last four digits of the card to be closed and
  • information that you will destroy your card yourself.
When you destroy your card yourself, cut up it properly into several pieces so that the chip and the magnetic stripe are destroyed.
 
If your card application is rejected, please contact our customer service.
 
When applying for a new card, your old card’s credit limit may affect the credit limit granted to you. After you have started using your new card and closed the old one, you can increase your new card’s credit limit. 
 

Can I transfer credit from my credit card to my account?

At op.fi and on OP-mobile you can transfer credit from your OP-Visa or OP-Mastercard to your account.

Credit card bill due date – How can I change the due date of my credit card bill?

If you are a holder of the OP-Visa credit or OP-Mastercard, you can change the due date on OP eServices. As OP-Visa credit cardholder, you have four due dates to choose from: 7th, 15th, 24th or the last day of the month. You can also call our customer service to change your due date.

As holder of K-Plussa Maksuaika, you can call our customer service to change your due date.

Use of credit card - How can I repay my credit card debt during the billing period?

You can repay your credit card debt anytime you want if you do not to wait for the next credit card bill or want to pay the arrived credit card bill before the due date. You can repay the debt with an amount of your choice or pay it off.

If you want to repay your debt continually during the billing period, you should create a new payment template and save it for later use. For repayment, you need an account number and a reference number found in your credit card bill, as these details will remain unchanged for every repayment. You can save the added payment template as name of your choice, and making further repayments will therefore be easy.

You can also copy a payment from your previous repayment. Doing this is easy when you move to the repayment you made in your account transactions and select "Copy as payment". Then the account number of your credit account and the reference number you used will be automatically included in the new repayment. You only add the amount to your payment details with which you want to repay your credit card debt and confirm the payment.

Extra repayments are free of charge and you can repay your credit card debt as often as you like. Please note that your repayment will show in your credit account within a few business days.

In addition to extra repayment, you can transfer extra money to your credit account, or make an overpayment, for a purchase above your card's credit facility. You can make a maximum of 2,000 euros of overpayment to your credit account in which case your account's credit limit will increase by the same amount. Overpayment enables you, for example, to prepare for a larger purchase or ensure that your credit account has sufficient funds for a holiday trip. If your credit card has a limit of, say, 1,000 euros, you can transfer extra money worth 2,000 euros to your credit account and enable a 3,000 euro purchase through the overpayment you made.

Visa Secure – What does Visa Secure mean?

Visa Secure (formerly Verified by Visa) is a service jointly developed by the international Visa, Nets and banks that enhance online payment security. When you use an OP’s Visa card* to pay for an online purchase and are about to pay for your purchase, you go to the op.fi online service where you acknowledge our purchase with your personal online service user identifiers.

If you are user of OP-Visa Business Card designed for corporate customers, you will be sent a one time password (OTP) to your phone at the time of payment. The OTP enables you to authenticate yourself and confirm the payment. The service requires no separate activation.

Use the secure online payment service whenever you make purchases at a webshop that uses Visa Secure.

*OP’s Visa cards are OP-Visa, OP-Visa Gold, OP-Visa Platinum, OP-Visa Debit and OP-Visa Electron.

Use of credit card - How can I change the minimum monthly payment of my credit card bill?

If you like, you can change the minimum monthly payment of your credit card bill, or the minimum amount you must repay on your credit card debt on the due date of your choice.

You can change the minimum monthly payment of your Visa Credit card bill on OP eServices.

As holder of OP-Mastercard or K-Plussa Mastercard, you can change the minimum monthly payment of your credit card bill at an OP cooperative bank branch or by calling our customer service.

Visa card details can now be automatically updated to ordering and streaming services

All OP-Visa cards have been linked to the Visa Account Updater service. The service makes it possible to update payment card details securely and automatically to ordering and streaming services.

The service makes your day-to-day life easier and ensures seamless use of services, for example when your OP-Visa card is renewed.

Many service providers are already using Visa Account Updater and more are joining in constantly. 

Miten lisään Plussa-ominaisuuden kortilleni?

Voit lisätä Plussa-ominaisuuden maksuttomasti OP-Visa Credit/Debit-, Gold-, Platinum-, Debit- tai Basic-korttiin tai OP-Mastercad-luottokorttiin kätevästi OP:n verkkopalvelussa.

Tee näin:

  1. Kirjaudu op.fi:hin
  2. Valitse "Omat kortit" ja listalta kortti, johon haluat liittää ominaisuuden
  3. Valitse K-Plussan kohdalta "Liitä"
  4. Täytä lomake
  5. Valmis! Korttisi saapuu toimitustapasi mukaan kotiisi tai konttoriin.

 

Product Protection Insurance – What does it cover? How does the insurance work?

Product Protection Insurance is a free insurance policy for owner-customers for products purchased with an OP credit card with credit/debit function. 

The insurance comes ready with all owner-customer credit cards, OP-Visa, OP-Visa Gold, OP-Visa Platinum and OP-Mastercard

The insurance protects your purchases for 180 days. Product Protection Insurance may cover, for example, if your new glasses or table computer is broken, or your phone screen is damaged. The deductible is 75 euros, and the maximum compensation for each item is 2,000 euros.

In the event of loss or damage, file a loss report

If the product is defective, contact the seller. If the product breaks down for any other reason, file for compensation from Product Protection Insurance. File a loss report in OP-mobile or op.fi. You can also report the loss by calling our Claims Settlement service line. Read more on how to report losses

Contactless payment – Can I make contactless payments with OP’s card?

Contactless payment facility is automatically included in all our payment cards. You can recognised a contactless payment card on the basis of the contactless wave symbol. You can use contactless payment for all purchases of less than 50 euros.

Paying for hotel accommodation and car rental – What card can I use to pay?

Paying with a credit card is the most common practice and it is also often the only acceptable payment method.

Paying online – What cards enable me to shop online?

You can make online purchases with all OP’s payment cards. The merchant determines acceptable payment methods.

Debit and Credit – What is the difference between Debit and Credit payments?

Debit payments are debited to a bank account and Credit payments to a Visa account.

Payments at shops abroad – What cards can I use to pay for purchases overseas?

You can use all OP’s payment cards to make payments abroad. Please note that the way your card works differs by country and region.

Paying a credit card bill – How can I pay my credit card bill or repay my credit card debt automatically?

You can pay your credit card bill as an e-invoice, using the bill's barcode on OP-mobile or by manually entering the bill's payment details on OP eServices.

If you want the amount in your credit card bill to be repaid automatically from the account of your choice on the e-invoice due date, you can change the settings of the e-invoices you have ordered. In such a case, you can select whether the e-invoice amount is automatically paid in full or whether an individual credit card bill amount is repaid up to the euro limit you have set. If you set a euro maximum for the e-invoice, you will get a separate e-invoice for the amount above the maximum on OP eServices that you need to confirm.