Cards

Frequently asked questions

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

Account balance – Check that your account has sufficient funds to make the payment.

The merchant’s card reader – The device may suffer a temporary connection problem. When paying abroad, the salesperson must make a confirmation phone call to the customer’s credit card company in case the purchase exceeds a certain amount. Sometimes the payment fails because of this because the salesperson does not make the call.

Card expiry date – check that your card is valid.

Daily spending/withdrawal limits – The spending/withdrawal limits may have been exceeded. You can set and change the limits in the Daily banking services section when you choose to change your card’s spending/withdrawal limits. You can also change them at an OP cooperative bank branch or by calling our OP telephone service at 0100 253 1333.

Please note that your account may have a limit that is higher than the spending limit set for the card. You can change your account’s limits online under Basic account information or by visiting an OP cooperative bank branch.

The card PIN does not work – The PIN has bee locked. If your card’s PIN has been locked either at POS or petrol pumps, you can unlock your PIN at an Otto ATM. If your PIN has been locked at an Otto ATM, you will have to go to a bank branch to unlock it.

Online shopping fails – Check that you have entered all card details correctly. Please note that the card’s string of numbers must be typed without space characters. Also check whether you have set a spending limit for online purchases. You can check and change the limits in the Daily banking transactions section at op.fi when you choose to change your card’s spending limits.

My card is broken – You can replace your damaged card with a new one by calling your bank, via an online message or by visiting a bank branch in person.

Paying with OP-Visa Electron – Given that a pre-authorisation is performed real time for OP-Visa Electron payments, offline terminals, such as those on trains and aircraft, do not support OP-Visa Electron.

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

You can replace your damaged card with a new one by calling your bank, via an online message or by visiting a bank branch in person.

PIN-koodi unohtunut tai kadonnut - Tilaa uusi tunnusluku

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

If your card’s PIN has been locked either at POS or petrol pumps, you can unlock your PIN at an Otto ATM. If your PIN has been locked at an Otto ATM, you will have to go to an OP bank branch to unlock it.

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

You can increase the credit limit for your credit card in the Daily banking services section when you choose to increase the credit limit. You can also do so by visiting a bank branch or, provided you authenticate yourself electronically, by calling our telephone service.

OP-Visa Debit Mobile – What is OP-Visa Debit Mobile all about?

OP-Visa Debit Mobile is a payment card to be ordered to the smartphone that works in the Pivo application. With the mobile card, you can pay for purchases at points of sale accepting contactless payments at home and abroad, and the purchases are debited directly to the current account linked to the card. The mobile card is a card unconnected with the customer’s other cards. The card has no physical version and it does not enable its holder to pay online or withdraw cash. You can apply for OP-Visa Debit Mobile to be downloaded to Android under Pivo’s main menu “Apply for mobile card”.

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.

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

If you are a holder of the Visa Credit card, you can change the due date on OP eServices. As Visa Credit cardholder, you have four due dates to choose from: 7th, 15th, 24th or the last day of the month.

As holder of OP-Mastercard or K-Plussa Mastercard, you can choose whether your credit card bill's due date is the 1st, 8th, 16th or 24th day of the month. You can change the due date of OP-Mastercard's bill at an OP cooperative bank branch or by calling OP telephone service, 010 253 1333. You can change the due date of K-Plussa Mastercard's bill by calling customer service, 010 252 7020.

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, you can change the minimum monthly payment of your credit card bill at an OP cooperative bank branch or by calling our telephone service, 010 253 1333. You can change the minimum monthly payment of K-Plussa Mastercard's bill by calling customer service, 010 252 7020.

Withdrawal limits - How can I change spending and withdrawal limits for my card?

You can change the daily spending and withdrawal limits of your OP-Visa cards at OP eServices by going to Private customers > Cards > Change card spending and withdrawal limits. Alternatively, you can change them on OP-mobile, at an OP cooperative bank or by calling OP telephone service at +358 10 253 1333. For the OP-Visa Debit Mobile card, you can change these limits also on the Pivo app. For OP-Mastercard, however, the spending and withdrawal limits can only be changed on OP eServices, at a bank branch or by calling the telephone service.

Please note that the account too may have a spending limit that restricts not only cash withdrawals and account transfers but also card payments. You can change the spending/withdrawal limits on OP eServices or by visiting a branch.

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.

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.

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 25 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.

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 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.

Verified by Visa – What dos Verified by Visa mean?

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 Verified by Visa

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

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

As soon as you get your Visa 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 OP-Visa 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.

OP-Visa customer service (Mon.–Fri. 8 am–6 pm)

Customer service in Finnish (09) 6964 6015
Customer service in Swedish (09) 6964 6215
Fax: +358 9 6964 9600