Payments and invoices

Barcode and virtual barcode – What is the bill’s (virtual) barcode?

A bill may include a barcode that can be used to enter payment details instead of typing them in by hand. The barcode can be read, for instance, with the OP-mobile barcode reader.

The virtual barcode refers to the series of numbers often presented beneath a barcode. If you receive bills by email, you can easily copy the barcode number and paste it in the virtual barcode field at op.fi or on OP-mobile. In this way, you do not need to type in all the payment details by hand. First, select the barcode, then the virtual barcode.

Bills of death estate – How to pay them?

A death estate’s bills are paid differently before and after the execution of estate inventory. Prior to the execution of estate inventory, a distributee of the estate can alone pay bills addressed to the estate that are related to the execution of estate inventory, burial and management of the estate’s property, such as maintenance charges. The distributee must visit a bank branch in person to pay the bills, so that the bank can ascertain the payer’s right to attend to the estate’s matters and that the bill is indeed addressed to the estate. The distributee can also terminate any e-invoices and direct payments that do not belong to the estate. The distributee is to present an extract from population register as proof of being party to the estate.

After the execution of estate inventory, the joint administration of the estate by the distributees comes into force. After this, they will represent the estate together. Usually, the estate will authorise one of the distributees to attend to the estate, and the authorised distributee is granted access rights to the account. Then bills can be paid in the way chosen by the payer, for example, on the op.fi service.

Read more about handling banking matters for an estate

Bounced payment – How can I edit a bounced bill?

A payment bounces if you do not have enough funds on your account for paying the bill. The bank will automatically try to debit your account on the due date and the following two weekdays. The payment will show in confirmed payments (Hyväksytyt maksut) as awaiting funds. You cannot make changes to the payment, but you can copy it as a template for a new payment, in which case you can pay the bill by using another account or edit the due date. After you have copied the payment, or if you do not need a copy, you can delete the payment awaiting funds.

If you do not have enough balance after three days and you have not deleted the payment, the payment will bounce and will not be debited automatically from your account. The bounced payment will be shown for six days, during which it cannot be edited or deleted. You will be notified of the bounced payment and charged a fee for this in accordance with the list of service charges and fees.

Log into op.fi to check the payment’s status (in Finnish)

Difference between direct payment and e-invoice – is there any?

The main difference between direct payment and e-invoice is the bill’s delivery method: you receive notices of direct payments by post at home, whereas e-invoices are delivered directly to the online service. When you use direct payment, the payee posts you a printed notice of the payments to be debited to your account on the due date. You do not need to do anything yourself.

You can order e-invoices on the op.fi service and OP-mobile and select automatic confirmation. When using e-invoices, however, you can change payment details, such as the payment date or payment account. Use of e-invoices is easy, secure and flexible.

Log into op.fi to order an e-invoice (in Finnish)

E-invoice image and details – Where can I find e-invoice itemisation?

You will find the e-invoice image in E-laskuarkisto (E-invoice archive) on the op.fi service. Select the e-invoice of interest and view the details. In the same view, you can tap the link to see a printable version of the bill.

Log into op.fi to see the content of your e-invoices (in Finnish)

E-invoice – How to change the due date or the notification or confirmation method?

If you wish to change the due date of a specific e-invoice, you can do that easily by logging into the op.fi service or on OP-mobile. You can edit both confirmed and unconfirmed payments prior to their due dates. Find the e-invoice whose payment details you wish to change, open the payment and save the needed changes. If you want to delay the payment of an e-invoice, contact the payee to arrange the matter before changing the due date.

On the op.fi service, you can change the settings of a certain payee’s e-invoice in E-laskujen hallinta (Manage e-invoices).

If you wish to make changes that apply to all payees’ future e-invoices, such as the notification method or archiving, edit e-invoice settings in Oma profiili (My profile). You can order notices of e-invoices also from the OP-mobile settings.

Log into op.fi to manage e-invoices (in Finnish)

E-invoices – How can I cancel an e-invoice order?

To see your existing e-invoice orders, go to E-laskujen hallinta (Manage e-invoices). If for some reason you do not want to receive e-invoices from a specific originator any longer, select the e-invoice you want to remove by clicking on it and click Poista e-laskutilaus (Delete e-invoice order). You will then receive the bills in the manner you have agreed. Deleting an e-invoice order does not cancel the e-invoices that have arrived or the related unconfirmed or pending payments. You can delete these payments yourself in E-laskuarkisto (E-invoice archive).

Log into op.fi to manage e-invoices (in Finnish)

E-invoices – How do I order an e-invoice?

To order an e-invoice, go to Tilaa e-laskuja (Order e-invoices) on the op.fi service or on OP-mobile. Search and select the originator and make sure that the billing item is correct. If you want e-invoices with different billing items (such as for phone and broadband subscription) from the same company, please note that you need to order separate e-invoices for these. If the company does not appear on the list, it does not yet offer an e-invoice service.

Log into op.fi to order an e-invoice (in Finnish)

E-invoices – I have already ordered an e-invoice but keep getting paper invoices. What should I do?

If you keep getting paper invoices even though you have ordered an e-invoice, cancel the order by selecting E-laskujen hallinta (Manage e-invoices) and the e-invoice you want to remove, and click Poista e-laskutilaus (Delete e-invoice order). Make a new e-invoice order on the next banking day at the earliest to ensure that the invoice details are correctly transmitted.

Log into op.fi to manage e-invoices (in Finnish)

Extra payments – I accidently paid a bill twice. What should I do?

Check first whether both payments have already been made from your account. If one payment has been made and the other is waiting for confirmation, you can remove the extra payment from your account. If the payment has already been made twice, contact the payee to get the excess payment back. The bank cannot refund payments made from an account. If you cannot settle the matter with the payee, we can investigate the details of your erroneous payment (subject to charge). In this case, call our telephone service.

Log into op.fi to check the payments (in Finnish)

Further confirmation – My phone number for further confirmation is incorrect. How can I change it?

If you want to change your phone number for further confirmation, please call our customer service. Keep your user identifiers for OP eServices at hand. If you want to change the number at a bank branch, take a valid ID card or passport with you.

To add a phone number for further confirmation, log into op.fi (in Finnish)

Check the contact information for OP customer service 

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.

Check the list of charges

For more information on international payments, call our customer service.

Check the contact information

International payments – How can I make an international payment?

Making an international payment differs considerably depending on the destination country. To make an international payment, go to the menu Päivittäiset raha-asiat (Daily banking) and select Uusi maksu (New payment). The payment is automatically identified as an international payment when you enter a foreign account number or change the currency from euro.

Log into op.fi to make a new payment (in Finnish)

Money transfer into a wrong account – I transferred money into a wrong account, what should I do to get the money back?

Are you the payee or the payer of the incorrect payment? If you are the payer and the money has not yet been transferred from your account, you can edit the payment in confirmed or unconfirmed payments by logging into op.fi. If the money has already been transferred, the best way to proceed is to contact the payee. If you do not know the payee, you can call our telephone service and ask the clerk to find it out (subject to charge).

If you made the payment to a closed account, the money will be redirected to the payee’s new account, if the payee has made arrangements for this. Otherwise, the money will be refunded to your account within a few days. If the reference number or message was incorrect, you should contact the payee to clear up the matter. If the payment amount was incorrect, you can agree on its refunding or crediting by contacting the payee. If you misspelled the payee’s name, don’t worry. In Finland and the European SEPA area, euro-denominated amounts are always transferred based on the account number. The incorrect name is only shown to you.

If you are the payee, contact the payer so that the payer can make an inquiry on the payment. Please note that payments are transferred with a lag.

Log into op.fi to check the payment's status (in Finnish)

Payment envelope – How do I pay bills with a payment envelope?

You can pay your bills using the payment envelope instead of paying them at a bank branch. The idea of the payment envelope is that you can leave your bills in the envelope in the post box and OP will make the payment for you. Please send your bills well in advance, or no later than 9 working days before the due date. This is how you can ensure that the post can be delivered to OP and OP has time to process your bill. This service is subject to a charge specified in the list of service charges and fees.

You can get payment envelopes and credit transfer forms from your nearest OP cooperative bank branch or order them to be delivered to your home by calling our customer service. Instructions are printed on the payment envelope. Please note that you must have a current account with OP so that you can use OP’s payment envelope. Put only payment orders, or bills or credit transfer forms, in the envelope.

Check the contact information

Check the list of charges

Payment template – How can I create a payment template (maksupohja)?

You can use this template for making new payments. To create a payment template, log into op.fi. If the originator offers an e-invoicing service, you can also order an e-invoice, which ensures that the invoice details are updated automatically.

Log into op.fi to create a payment template (in Finnish)

Problems with money transfers – I made a payment but the payee did not receive the money, why is this?

If the details are correct and two banking days have passed since the transfer, please call our telephone service to clear up the matter. If the payee's account number is incorrect, contact the payee. If this is not possible, call our telephone service so that we can investigate the matter (subject to charge). If the payment reference number or message is incorrect, clear up the payment with the payee.

Log into op.fi to check the payment details (in Finnish) 

Receipt – How can I get a receipt of a payment?

To print a receipt of your payments, click the relevant payment in the Transactions Feed and open the receipt by selecting Toiminnot – Avaa kuitti (Functions – Open receipt).

Log into op.fi to print a receipt (in Finnish)

Received money transfer – How do I redeem a money transfer?

To redeem a received money transfer, log into op.fi.

You can also redeem the money transfer at any OP cooperative bank branch, subject to a charge. To get the money transfers directly to your account in the future, please state your account number to the payee.

Log into op.fi to redeem a received money transfer (in Finnish)

Recurring payment – How do I create a recurring payment?

Do you want to create a new recurring payment or edit or delete an existing payment? To create a new recurring payment, select Uusi maksu (New payment) and enter the payment details. Select then Maksun lisätiedot (Supplementary information) and Toistuva (Recurring). The options are Viikottain (Weekly), Kuukausittain (Monthly) and Kuukauden viimeinen päivä (Last day of month).

If you want to edit or delete an existing recurring payment, you can do that by opening the e-invoice in either confirmed or unconfirmed payments, depending on the status of the e-invoice. The changes made affect all upcoming payments. You will see the deleted payment in confirmed payments for two weeks.

 Log into op.fi and create a new payment (in Finnish) 

Reserve account – How do I set a reserve account that is used, for example, for e-invoices?

If you set a reserve account for your accounts, you can make sure that your automatically debited e-invoices can be paid even if the chosen payment account has insufficient funds. Log into op.fi and select Account details and Edit reserve account. The reserve account may be another current account or an account to which you have access rights. The reserve account can only be used for payments that are debited on a specific due date. Real-time payments or card payments will not be debited to the reserve account.

Log in and set a reserve account (in Finnish)

Same invoice twice – I received the same invoice twice. What should I do?

Contact the originator and ask whether both invoices are relevant. If only need to pay one of them, you can delete the other.

In the case of insurance premiums, the invoice sometimes needs to be corrected due to a change in the insurance contract. The corrected invoice you have received explains that it replaces an earlier invoice.

SEPA Instant Credit Transfer – What is a SEPA Instant Credit Transfer?

The SEPA Instant Credit Transfer is a real-time SEPA credit transfer that banks in Europe offer to their customers at an accelerating pace. The SEPA Instant Credit Transfer is available on the payee’s account within a few seconds from confirmation. OP’s customers can receive payments in their euro payment accounts on a real time basis from other banks, provided that the payer’s bank transmits the payment as a real-time SEPA Instant Credit Transfer to OP. In account transactions, the payment is labelled as a SEPA Instant Credit Transfer.

Banks operating in Finland and elsewhere in Europe will adopt the service based on their own schedule. In the future, you will thus be able to make your payments yourself as a SEPA Instant Credit Transfer on OP eServices or OP-mobile.

 

SEPA – What is a SEPA payment?

SEPA payment, or SEPA credit transfer, is a credit transfer in compliance with the European credit transfer standard that can be used for making any type of euro payment within the single euro payments area (SEPA).

A SEPA credit transfer always includes the bank accounts of the payer and payee in the international IBAN format. IBAN (International Bank Account Number) is an international account number.

Strange payments – Strange payments have been made from my account. How can I find out what these are?

The payee shown on the account can sometimes be hard to recognise. In particular, the company name shown for card payments can be completely different from the name used for running the business. You can make a Google search, for instance, to find out the company’s contact details. The payment may also have been made via a payment service provider (Paytrail Oy, Checkout Finland Oy). In those cases, you can ask for further information from their customer service.

Direct payment – How can I pay bills when at home?

If you want to pay your bills when at home but you do not have any digital channels, you can start using direct payment. In direct payments, the bank will manage your bills for you on the bill due date and you will receive a confirmation of the paid bill by post. No charge is involved in the direct payment.

If you want to start using the direct payment option, call OP’s telephone service to agree on it. Keep the latest bill close at hand to check the details needed for the payment. Direct payment authorisation applies to future bills.

Contact our customer service