All cards

Compare cards

Compare the features of OP's cards and find a card that best suits your needs.

Combination cards

Debit cards

Credit cards

topical
price benefit

Use your owner-customer benefits

As an OP cooperative bank owner-customer, you get daily banking services without monthly charges until the end of 2025. The benefit also applies to the OP Gold card. The normal price of the card is €8/month for owner-customers and €13.25/month for other customers.

Combination cards – debit and credit card in one

Pay from your bank account or credit.

credit / debit

OP Classic

Owner-customer’s daily services package with OP Classic

€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

Read more

credit / debit

OP Gold

Most popular

Owner-customer’s daily services package with OP Gold

€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

Read more

credit / debit

OP Platinum

Owner-customer's daily services package with OP Platinum

€53 per month

Charge for others €55.50 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, comprehensive

  • Additional services for travelling

    Unlimited visits to airport lounges, rental car insurance, emergency cash advance and emergency assistance services.

  • Event ticket insurance

    Max. €3,000 per month

  • Data and Identity Theft Protection

    Security for identity theft and online transactions

  • Own customer service

    24/7

  • Selected benefits

    Travel, food and drink, shopping, wellbeing, culture and sports benefits.

Read more

Debit cards – smooth payments for everybody

You pay directly from your bank account.

debit

OP Debit

Owner-customer's daily services package with OP Debit

€3.95 per month

Charge for others €8.25 per month

FEATURES

  • Age / suitability

    For those aged over 15

Read more

debit

OP Basic

Owner-customer’s daily services package with OP Basic

€3.95 per month

Charge for others €8.25 per month

FEATURES

  • Age / suitability

    For those aged over 7

  • Balance check

    Yes

Read more

Credit cards – flexibility for your finances

A smart option as a second card.

credit

OP Duo

OP Duo as part of the daily services package for owner-customers

€2 per month

For other customers €4 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

  • Best Price Protection

    Best Price Protection ensures that you won’t pay too much for your purchases.

  • Identity Theft Protection support

    Identity Theft Protection will help if your details fall into the wrong hands.

Read more

credit

K-Plussa Maksuaika

Charge €0 per month

FEATURES

  • Credit limit

    1 000 - 10 000 €

  • Purchase Protection Insurance

    Purchase Protection Insurance in accordance with the Consumer Protection Act

  • Product Protection Insurance

    365 days for owner-customers

Read more

Features found in OP cards

BASIC FEATURES

  • Mobile payment

    Apple Pay, Google Pay, Samsung Pay, Garmin Pay

  • K-Plussa

    Yes, can be linked

  • Contactless payment

    Yes

Check out our card recommendation for you

The Card guide will help you find a suitable card. Simply answer a few questions and the Card guide will recommend a card that suits your needs.

Example calculations of OP’s credit cards

Example calculation for credit of OP Visa cards: 

The effective interest rate calculated for used credit of 2,000 euros is 19,04% (10/2024). The calculation does not take into account the owner-customer's or other discounts. This calculation is based on the assumption that the card’s monthly charge is 2.95 euros and the monthly account service charge 3.50 euros, free of charge e-invoicing is in use, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2,186.80 euros.  

Example calculation for credit of OP Duo credit card:

The effective interest rate calculated for used credit of 2,000 euros is 20,40% (10/2024). The calculation does not take into account the owner-customer's or other discounts. This calculation is based on the assumption that the card’s monthly charge is 4 euros and the monthly account service charge 3.50 euros, free of charge e-invoicing is in use, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2,199.40 euros. 

Example calculation for credit of K-Plussa Maksuaika credit card:

The effective interest rate calculated for used credit of 1,500 euros is 21.00% (10/2024). 
This calculation is based on the assumption that the card’s monthly charge is 0.00 euros and the monthly account service charge 5.00 euros, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. 
The estimated total amount payable is 1 652,99 euros.

Card and daily services

You can make the most of the cards as part of the daily banking services. The daily services include one or two cards, Current Account, versatile mobile services and OP's user ID serving as a digital identity card.

As an owner-customer, you will get discounts on banking and insurance services as well as OP bonuses earned through your use of services. OP bonuses will be automatically used to cover, for example, banking service charges and insurance bills.

 

Palveluntarjoajat

OP Gold

Travel insurance, rental car insurance and event ticket insurance are issued by Inter Partner Assistance SA / AXA. The LoungeKey service is provided by Visa. Product Protection Insurance is issued by Pohjola Insurance Ltd. 

OP Platinum

Travel insurance and Product Protection Insurance are issued by Pohjola Insurance Ltd. Rental car insurance and event ticket insurance are issued by Inter Partner Assistance SA / AXA. Data and Identity Theft Protection services are provided by F-Secure.The lounge services are provided by Visa/Collinson.

OP Duo

Best Price Protection is issued by the insurance company Inter Partner Assistance SA/AXA. Identity Theft Protection is provided by Tenerity AB. Product Protection Insurance is issued by Pohjola Insurance Ltd. 

Apple Pay is provided by Apple. Google Pay and Google Wallet are trademarks of Google LLC. Samsung Pay is provided by Samsung. Garmin and the Garmin logo are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

The card is issued by OP Retail Customers plc which also acts as the policyholder of insurance products included in the card and other additional services’ contract customer.