Frequently asked questions TOP5


What is an online balance statement?

An online balance statement is a numbered balance statement valid for accounting purposes. You can apply for an online balance statement, with a certain period or with an online balance statement number, via OP’s online services. An online balance statement can also be found in accounting records on OP Business mobile and the service.

E-invoicing on the service?

E-invoicing is included in the service and OP Business mobile.

Where can I find my company’s e-invoice address?

Your company’s designated administrator can check the e-invoicing address by logging into the service and going to Payments and invoicing -> E-invoicing address and storage of invoices or, on OP Business mobile -> Customer relationship -> E-invoicing address.

Can a company receive a notification by SMS or email when an e-invoice has arrived?

This functionality is not available to companies.

You can send and receive your company’s e-invoices at for corporate customers and on OP Business mobile. The service for sending e-invoices is subject to a charge. Invoices can also be sent via File Transfer on

  • If your company has less need to send or receive e-invoices, it pays to use the e-invoice service on the service or OP Business mobile. OP Business mobile also enables you to send invoices to customers by email, and to deliver reminders and credit notes.
  • If your company has been using a financial management application for e-invoicing, you can continue sending e-invoice data via File Transfer.

OP Corporate User ID: what is it and where can I get one?

What is it?

An OP Corporate User ID is a personal ID that enables logins to the service for corporate customers, OP Business mobile and Pohjola Insurance’s online services. Users can use the same ID to manage banking and insurance for several companies.

An OP Corporate User ID consists of a username, password and key code list. It is free of charge.

If you have an OP Corporate User ID, you cannot use your personal user ID to log into our online services for corporate customers.

Where can I get one?

Go to or your nearest OP cooperative bank branch to get an OP Corporate User ID.

To apply online, you need a personal online bank user ID from OP or another bank, which we will use to verify your identity.

Order an OP Corporate User ID

OP’s eInsurance Services for companies, from where and how can I login?

You can login to eInsurance Services by using your personal online bank user identifiers. Your company’s users can also themselves apply for personal identifiers for Corporate eServices online that can be used to login to the service.

Login to the service is by means of the eInsurance Services for companies button in the login section on OP’s or A-Insurance’s website.  If your company is user of OP eServices for small corporate and institutional customers or Corporate eServices, you can also move to eInsurance Services via banking services.

In order to be able to login into or use eInsurance Services for companies, your company must have an eInsurance services agreement and you must have access rights granted by your company’s administrator to the eInsurance services.

File transfer on OP eServices for small corporate and institutional customers at

What is File transfer at all about?

Your company can manage its payment transactions through File transfer when your financial management system does not support the use of Web Services.
File transfer enables the user authorised by your company to send and retrieve payment data for financial management software use.

How can I activate File transfer?

You can activate it at your own OP cooperative bank. File transfer can be used by your company’s users to whom have been given the related right at the bank.

What should I do if sending a file fails?

This may be caused by a number of reasons:

  • File size: You can simultaneously send a maximum of 10 files. The maximum size of several files to be sent is 10 megabytes.
  • File format: Check whether the file you have sent is in the format that you had selected for sending.

Error message:

“Failed to send the file.
Sending the following files failed XXXX.
Correct the file and send it again.
The maximum permitted size of e-invoices is 9,765 kilobytes”

The error message shown is a standard message displayed irrespective of the error. A more detailed description of the error can be found in the file error reply shown on the File transfer front page after the invalid sending.

In what format should I save files on the service?

Users should ask their ledger specialist what file name and file name extension the ledger software reads and saves the file exactly under that name and its extension as the software reads it.