OP Business Debit

• If you have an OP user ID, you can change the self-selected PIN for your new OP Business Debit card on the op.fi service if you like. To view and edit your card's details, go to Omat kortit (My cards) and select the card you want to edit, then go to Asetukset ja tiedot (Settings and details). 
• You will get a message to OP's digital services when your card is about to be renewed. You can make the changes, free of charge, within two weeks from the date of the message. After that, these changes will be subject to a charge specified in the list of service charges and fees. 

• It is advisable to set spending and withdrawal limits for your OP Business Debit-card in case of loss of the card or fraud.
• You can set such daily limits for withdrawals, card purchases requiring pre-authorisation hold and online payments and other distance purchases.
• You can set and change the limits in OP customer service or at an OP member cooperative bank.
• New limits take effect immediately.
• We recommend that you change these limits whenever you need.
• You can't edit spending and withdrawal limits in OP's digital services.

Visa Secure is a service that enhances online payment security. Both the seller and the buyer are reliably identified on the service. To see whether an online store uses this service, look for the Visa Secure logo. 

When paying online through Visa Secure, you will confirm your purchase via secure internet connection with Mobile key on OP-mobile or with the key code list. When you confirm your purchase with the key code list, we will send you an SMS for further confirmation to the phone number linked to your user ID. Identification requires that the cardholder has given their valid mobile phone number to OP.

If you don't have OP's user ID, you can confirm card payments you make online with Mobile key. You can start using Mobile key for confirming card payments online by logging into OP-mobile with another bank's user identifiers. This service will not cause you any extra costs. 

Additional information:  

Smooth online payments with your card >

How to use Mobile key if you don’t have OP’s user ID >

You can link your card to Apple Pay, Google Pay, Garmin Pay or Samsung Pay. These payment apps let you make online and in-app payments with just your smartphone or smartwatch. You don’t need your card or card details at the time of payment.

With Apple Pay, Google Pay, Garmin Pay and Samsung Pay, you can always use contactless payment without a PIN, even for purchases over 50 euros.

When adding OP Business Debit -card, you need to use your OP's personal customer’s credentials. Note that usage cannot be enabled with your OP Corporate User ID. If your card has been granted only for making deposits and not for payments, you cannot use mobile wallets with the card.

By opening a corporate account with credit facility your company will gain working capital, which it can use according to need up to the agreed maximum amount, i.e credit limit.

Choose the best alternative for your company's banking and insurance business and monitoring. The choice of the most suitable channel depends on the systems your company uses, the nature of its operations as well as its invoicing volumes and the like.

Has the card used by your company got lost? Contact our deactivation service as soon as possible.