OP Duo

Best Price Protection provides cover if:

• You find the product paid with OP Duo in Finland elsewhere at a price that is over 50 euros lower within 30 days.
• The business where you found the product at a lower price has a brick-and-mortar store in Finland.

Best Price Protection does not provide cover if:

• You have found the same product outside Finland.
• The price difference is less than 50 euros.
• Products bought in a sale or, for example, in Black Friday or similar campaigns. See the terms and conditions for more detailed restrictions.

F-Secure's Identity Theft Help provides you with personal help in preventing identity theft and fraud, or investigating identity theft. 

You can call the service in the following incidents:

• you encounter malware or hacking 
• you have given your personal information to a suspicious caller or website 
• you have lost your passport, wallet, driving licence or some other critical document 
• you have received a suspicious email or phone call 

The purpose of the service is to offer advice to users on how to act when they fall victim to information leak, phishing, malware or hacking. As part of the service; F-Secure also offers guidance concerning certain events comparable with information leak in which, the user's wallet or passport, for example, has been stolen, as well as data security guidance. F-Secure or OP is not responsible for the correctness or comprehensiveness of the advice. The service is an advisory service and F-Secure or OP will not submit reports to authorities or send any other notifications on behalf of the user. Nor will they compensate for any financial losses.
 
How can I start using the service? 
The service will automatically be included in your OP Duo card from 1 December 2023.

Contact Identity Theft Help by calling at 0100 0510 (press 5: Identity Theft Help, Mon–Fri 8–18) to get personal help to clear up the situation. 

NOTE! If you suspect that your OP's credentials has fallen into the wrong hands, cancel them immediately by calling the OP Customer Service or, outside the opening hours, the OP Deactivation Service. 

Mastercard and Live Nation are jointly offering you the chance to enjoy various live events throughout the year. With your OP Duo card, you can buy event tickets in Mastercard's presale. You have the chance to buy tickets for your favourite artist's concert well before others have access to them, for example.

You can also use the benefits and discounts offered by the Mastercard Priceless programme both in Finland and abroad. Read more about Priceless below.

Your OP Duo card gives you access to advance ticket sales to your favourite events. Go to priceless.com/music, browse the events and make your choice. To use the benefit, pay for the tickets with your OP Duo card.

Your OP Duo card allows you to enjoy the benefits of the Mastercard Priceless programme in numerous events around Finland – and even abroad.

Priceless.com is a website and a loyalty programme only available to Mastercard cardholders. With your OP Duo card, you have access to experiences and discounts related to, for example, concerts, theatre, sports events, sights and restaurants in your home city or travel destination.

Choose and redeem the benefit with your card before the event or trip. The Priceless website is in English.

Accidents happen to all of us from time to time, from dropping a phone on the floor to spilling coffee on a laptop or breaking your brand-new glasses.

Product Protection Insurance covers purchases made with Duo against breakage. In other words, you won’t need to buy separate insurance for new items such as phones.

The insurance covers purchase you’ve made using OP Duo, or your purchases are insured whenever you pay with your OP Duo card. 

The insurance provides cover for the purchases for 365 days, or one year from the cardholder receiving the product.

Product Protection Insurance covers the purchases whether you pay for them online, at a brick-and-mortar location or through a service like Apple Pay.
 

Does the insurance have a deductible or maximum compensation amount?

In the event of loss, the insurance has a deductible of 75 euros. The maximum compensation per item is 2,000 euros.

If something happens, filing a loss report is simple on OP-mobile or at op.fi.

You can seek a refund from the credit card company if

• the product you purchased is lost in transit
• the product you purchased is not delivered to you
• there is a defect with the product that the vendor will not compensate you for, or
• the vendor has gone bankrupt.

For example, in a situation where a tour operator cancels your journey and does not compensate you for it, or an airline goes bankrupt before the start of your journey, you can seek a refund.

Under the Consumer Protection Act, credit card company cover for credit purchases is valid for any purchases you make with your credit card. You can make the purchase online, at a brick-and-mortar location, or through a service like Apple Pay, in Finland or abroad.

In other words, using the credit feature gives you better cover for your purchases than other payment methods.

Does the cover for credit purchases have a deductible or maximum compensation amount?

The credit card company cover for credit purchases does not have a deductible or maximum compensation amount.

Under the Consumer Protection Act, you can apply for a refund from your credit card company if a retailer breaches a sales contract for a purchase made with credit. The credit card company cover for credit purchases provides you with cover for different breach-of-contract situations with the vendor, such as when a product you purchased is lost in transit.

As an owner-customer of an OP cooperative bank, you have 365-day credit card company cover for debit and credit purchases, which insures your card purchases once you receive the product, providing cover against breakage of the product, for example.

If you encounter a situation where a vendor is in breach of a contract, issue a complaint to the credit card company by following the instructions.

Read the instructions for issuing a complaint

You can apply for OP Duo if

• you are at least 18 years old
• you use OP as your main bank
• you have regular income from pay or a pension
• your financial standing is sufficient and you have managed your personal finances well
• you live permanently in Finland.

Apply for the card easily online. If you are an OP customer, log into op.fi and fill in the application. Once your application has been approved, you’ll get the card delivered directly to your home or office within 1–2 weeks, depending on the delivery method you selected.

You can link your card to Apple Pay, Google Pay, Samsung Pay or Garmin Pay. These payment apps let you make payments in stores, online and in apps with just your smartphone. 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.

You can enable Apple Pay, Google Pay, Samsung Pay or Garmin Pay if you have personal customer’s OP's credentials. Note that you need to be at least 13 years old to use Apple Pay and at least 16 years old to use Google Pay, Samsung Pay or Garmin Pay.

Read more about mobile payments

OP-mobile

Log in to OP-mobile and select Accounts and cards. Select the card for which you want to view benefits. The benefits and additional services are opened with the Card benefits button.

You can also find your benefits in OP-mobile’s Customer info view under Customer info and benefits.

Op.fi service

Log in to the op.fi service and select My cards. Select the card for which you want to view benefits. The benefits and additional services are opened on the Benefits tab.