OP customer relationship
Accepted personal ID documents – How do I verify my identity at a branch?
You can find a list of the acceptable personal ID documents on the op.fi service.
Activating an OP user ID – How do I activate my new OP user ID?
The OP user ID comprises a username, a password, a key code list and a phone number that serves as your further confirmation number. If you become a customer through digital means, you will receive an SMS within two weekdays of filling in your application, containing instructions for how to activate your username and password. We will also send the key code list in a letter to your home. In connection with retrieving your username, you will also receive a one-time password. At your first login, you will be requested to change the password. Your new user ID is active immediately, and you can log in to OP’s digital services.
Digital customer onboarding – Who can apply for customer relationship with OP? In what situations is digital customer onboarding not possible? How do I withdraw my application?
You can become our customer without visiting a bank branch if you are an EEA citizen or dual citizen of at least 18 years of age, have a permanent address in Finland and a good credit history. For digital customer onboarding, you need a phone that can receive SMSes, and Finnish banking user identifiers. If you already have an OP user ID for taking care of another person’s banking or managing an association’s account, you do not need to reapply to become a customer. You cannot apply for customer relationship digitally if If you can't apply for customer relationship digitally, you can book an appointment with a branch to apply for customer relationship. If you wish to withdraw the digital application before you have been granted OP's user ID, please contact our customer service.
Benefits – How can I become owner-customer and enjoy benefits?
All our customers can become owner-customers, too. Join us online, by calling OP telephone service at 0100 0500 or by visiting your nearest OP cooperative bank branch. When joining us, you will pay an ordinary cooperative contribution, generally amounting to 100 euros. It is a one-time contribution – you won't have to pay anything else. If you become our owner-customer, you will own part of the cooperative OP and get valuable benefits as well as discounts from banking services, insurance premiums, and saving and investment services. As owner-customer, you will also earn value-for-money OP bonuses from your transactions – up to hundreds of euros a year.
Costs related to customer relationship – What does an OP customer pay?
As an OP customer, you will gain access to extensive banking services. The service charges depend on the services you, use and whether you become an OP cooperative bank owner-customer.
Digital customer onboarding – I’ve filled in the application in the op.fi service. How will my application process continue?
We will begin processing your application once you complete it in the op.fi service. Within two weekdays, you will receive instructions to activate your username and password. You will receive the key code list by post within one week of filling in your application. You can then activate an OP user ID. The other documents related to your customer relationship will be saved in op.fi under My archive.
Digital customer onboarding – What information am I asked to provide when I become OP’s customer?
You can join OP digitally by filling in an application in the op.fi service. In the application, we will ask you to provide your contact information and a mobile phone number to which we can send text messages concerning your customer relationship. Banks also have a statutory obligation to know their customers and verify their identity. We need to comply with the Act on Preventing and Clearing Money Laundering and Terrorist Financing to support secure customer transactions, and we therefore also ask questions related to funds in the account and tax liability. .You can fill in the application with Finnish banking user identifiers.
Moving my transactions – How can I transfer my income and expenses to the new bank?
If you sign power of attorney for switching a customer relationship, upon request we will move recurring debits on your behalf, free of charge. We will move your transactions to OP according to your plan, and if necessary, ensure that transactions through your current bank are stopped. We will transfer upcoming regular payments – such as recurring payment orders or direct payment agreements – from the account you are currently using to your new account, according to our agreement. If you have outstanding e-invoices, we recommend that you reactivate them yourself. Remember to inform any service providers whose recurring debits you want to move from the old account of the new account’s payment card number. To receive income (such as a salary or pension) in an OP account, you must provide your new account number to all parties who will make future payments into the new account.
New account number – Who to inform?
When you switch banks, your account number will change. Inform all those who make periodic payments to you, such as the organisations paying your wages or pension, of your new account number. Please note that, in many cases, you can provide your new account number online, by visiting the websites of pension payers, the Finnish Tax Administration or KELA, for example.
Online transactions – Can I use OP User ID in third party services?
In addition to OP’s services, you can use OP User ID to identify yourself in third party services, such as those provided by Kela and the Tax Administration. OP service user identifiers only give you access to all online and mobile services provided by OP.
OP bonuses – What are OP bonuses and how can I earn them?
If you are an owner-customer, you will earn OP bonuses based on your transactions. OP bonuses are then automatically used to pay for the services that you use. On OP’s digital services, you can see the amount of OP bonuses you have earned, for what they have been used and the available balance. Owner-customers earn OP bonuses through all transactions that entitle to bonuses, such as loan, savings, investments and insurance premiums. The amount of OP bonuses earned is calculated based on the owner-customer's monthly transactions. OP bonuses in the bonus account are automatically used for services determined by OP, such as banking services, insurance premiums, OP-Kiinteistökeskus real estate agent commissions and fees for legal services. Bonuses will automatically be either partly or fully used to offset charges and fees, depending on the amount of available bonuses.
Ordering services and products – How can I order a card for my brand new account?
When you become an OP user ID digitally, you will receive an account, OP’s user ID and a card. Learn about digital customer onboarding, and how to apply for a card Once you have become an OP customer, you can expand your range of services through OP’s digital services or by booking an appointment with an expert.
Recorded payment default, credit information register – What does recorded payment default mean and what does it affect?
A payment default is recorded in the credit information register in case you default on payments. This may affect your opportunities to get banking and insurance services but its effect on whether you get the service or not depends on the banking or insurance service, the number and nature of such default records. Information on the effects of a recorded payment default on a customer's eligibility for our services is available from our customer service. General information on payment defaults can be found on the website of FINE's Financial Ombudsman Bureau.
I’ve moved to Finland – How can I become a customer?
You can start the banking service activation process by filling in the form to submit the required information before having a meeting at the bank. After you have filled in the form, we will call you and schedule an appointment to meet you at a branch.
Switching banks – How can I change payment accounts?
When switching banks, you can choose to change your payment account to the new bank, free of charge. You can use power of attorney for switching a customer relationship to authorise the new bank to move your payment account. This will free you of having to handle the practicalities of the switch. If there are several account holders, everyone must give their consent to the payment account switch. Your new bank will Give your new bank the date from which your recurring payment orders will be debited from your new payment account. Please note that the earliest possible date is 13 days from the date on which the new bank receives all the details it needs. You old bank will Please note that the service cancellation date can be thirteen days from creation of the power of attorney, at the earliest.
Switching banks – I am about to switch banks. What information do I need for the meeting?
When you want to switch banks, go online and book an appointment for a meeting or online meeting. The meeting will last for around one hour. We will discuss the services which would suit you and the process of moving your customer relationship from your current bank to OP. If you are an entirely new customer for us, you can use our online service to become an OP customer in advance. Otherwise, the customer relationship will be created during the meeting. For smooth switching, we recommend that you bring the following information on your current banking services to the first meeting. If you're interested in a home loan, please also fill in an online home loan application in advance.