Pay flexibly with cards
Payment and credit cards are an excellent way to pay in any situation. You can often pay for purchases of less than 50 euros as a contactless payment without the need to enter your PIN at all into the payment terminal. When you make a payment with an owner-customer card with credit facility, your purchase is automatically covered by Product Protection Insurance. The insurance is also valid for purchases made with the debit function of combination cards.
The credit card differs from the payment card in that you can get more time to pay for your purchase. If you pay your credit card bill in its entirety no later than the due date of the first bill, you will not incur interest or charges for paying with the credit card. If, however, you spread payments over several months, you will pay interest on the credit. The unquestionable advantage of the credit card is that if anything goes wrong with your purchase, you can apply for a refund from the credit card organisation.
Pay easily and securely with your phone
Mobile payments are gaining in popularity. Mobile payment means, for example, paying for purchases with a payment app in a smart phone or smartwatch. That you can use contactless payment for purchases of over 50 euros is counted among the advantages of mobile payments, which means that you do not need to touch a payment terminal. You can make purchases even if you do not carry a wallet with you. Mobile payment is also a convenient way to pay a debt or give a gift to your friend, only with a phone number. Moreover, you can make a mobile payment in many online stores. Because of its speed, it is in fact an extraordinary alternative.
Pay anywhere, anytime with OP-mobile
You can make many payments as a credit transfer too. On OP-mobile, in particular, it is convenient to make payments, say, while on the move. The majority of OP’s payments go to their payees instantly even if the payer’s bank is not the same as the payee’s bank.
Sometimes cash is the only option
Use of cash is constantly going down. However, we may need it sometimes. The most convenient way of withdrawing cash is at ATMs or store checkouts when you make a purchase. It is important to note that you cannot get back lost cash and no digital documentation, for example, of paying a debt with cash is left.