Become our customer digitally

A Current Account, a wide range of digital services, OP's user ID and card – start using our daily banking services.

Current Account forms the basis of your daily banking services

As an OP cooperative bank owner-customer, you will now get 0.25% interest on your Current Account. Accrual of interest requires that the account and owner-customer membership are with the same OP cooperative bank.

Wide range of digital services will keep you on track of your finances

As an OP customer, you will have access to comprehensive services helping you manage your finances and save. These include My financial balance and Money Box.

OP's user ID is the key to digital services

With an OP user ID, you can log into OP's services, confirm online payments, sign documents and applications and identify yourself on authorities' online services.

Conveniently apply for a card when opening an account

Read more about the different options and choose the card that suits you best. You can also use your card with the Apple Pay and Google Pay apps.

 

Become our customer

Did you receive a message from us and come to get your user ID?

Get user ID

You make the most of your banking and insurance services and OP bonuses as an owner-customer

You can become an OP cooperative bank owner-customer at the same time as you become an OP customer. In that way, you will get discounts on banking and insurance services as well as OP bonuses which only owner-customers can earn. They will be automatically used to cover your banking service charges and insurance bills.  Owner-customer prices and benefits are valid only in the bank whose owner-customer you are.

As an OP cooperative bank owner-customer, you will get daily banking services without monthly charges until the end of 2025.

In addition, as an owner-customer, you will earn 40% more OP bonuses until the end of 2025 compared to the normal level of 2022.

Read more about owner-customer benefits

Smooth daily transactions on OP's digital services

As our customer, you will have access to our digital services that will make your daily life easier. You can use these services with your OP user ID. 

To make your use of services as easy as possible, enable OP-mobile and Mobile key on your smartphone or tablet. On OP-mobile, you can handle your banking and insurance matters, like payments and loan repayments, cards, loss reports and much more – whenever or wherever you want.

Read more about OP's digital services 

Select the card that suits you best 

You can choose between three cards designed for different needs. Select the one that you find most suitable for you. You make the most of the cards as part of daily banking services. The daily services include one or two cards, a Current Account, a range of mobile services and OP's user ID that serves as a digital identity card.

Check out our card recommendation for you

OP Gold
Credit / Debit
OP Gold
Most popular
Owner-customer’s daily services package with OP Gold card
until 31.12.2025
€0 per month
Normal price €8 per month
Charge for others €13.25 per month
FEATURES
Credit limit
2 000 - 20 000 €
Purchase Protection Insurance
Purchase Protection Insurance in accordance with the Consumer Protection Act
Product Protection Insurance
365 days for owner-customers
Travel Insurance
Yes
Additional services for travelling
Two free visits per year to an airport lounge, rental car insurance and emergency cash advance.
Event ticket insurance
Max. €1,000 per month
Own customer service
24/7
OP Classic
Credit / Debit
OP Classic
 
Owner-customer’s daily services package with OP Classic card
until 31.12.2025
€0 per month
Normal price €3.95 per month
Charge for others €8.45 per month
FEATURES
Credit limit
2 000 - 20 000 €
Purchase Protection Insurance
Purchase Protection Insurance in accordance with the Consumer Protection Act
Product Protection Insurance
180 days for owner-customers
OP Debit
Debit
OP Debit
 
Owner-customer’s daily services package with OP Debit card
until 31.12.2025
€0 per month
Normal price €3.95 per month
Charge for others €8.25 per month
FEATURES
Age / suitability
For those aged over 15

How to become a customer

  • Fill in the application. You will need about 15 minutes of time, banking user identifiers issued by a Finnish bank and a phone on which you can receive SMSes. You will be able to transfer money to your new account the day after opening the account.
  • You will receive an SMS within two days. In the SMS, you will be instructed to return to this service and verify your identification again to get your OP user ID. You will receive your key code list and card by post.
  • The services are now available to you. You can transfer money to your new account right away. After you have received the OP user ID, you can log into OP's digital services. All your agreements will be saved in the op.fi service.

Can I fill in the application on the op.fi service?

You can fill in the application digitally if

  • you are aged 18 or over and are legally competent
  • you are a citizen of the European Economic Area (EEA) or a dual citizen who holds citizenship in Finland and another EEA countrY
  • you have a permanent address and domicile in Finland
  • your credit history is in order and you don't have a voluntary credit stoppage
  • your name or personal ID code are not on a sanctions list.

After you have become our customer, we will help you terminate the services of your current bank. To do this, you will need the details of your current banking services.

If you can't apply online to become our customer, book an appointment with a branch.

Book an appointment

For more information on how we process personal data, see the Privacy Notice in OP Financial Group cooperative bank’s customer data file.

See our Privacy Notice