OP Basic

• OP Basic is a secure debit card which has no credit feature. The card will be linked to the cardholder's bank account. Consent from the parents is required for a card granted to a minor. 
• When paying with an OP Basic card, the payment reader will always contact the bank to check that there is money in the account. If the payment reader can’t connect to the bank, it won’t be able to check the account and won’t accept the card payment. That’s why this card doesn’t always work on trains, ships or aeroplanes.
• You can use contactless payment for all card purchases. Purchases of over 50 euros have to be confirmed by entering your PIN in the card reader, but you do not need to insert your card in the reader.
• The K-Plussa feature is available for this card. 
• Withdrawing cash is possible at checkouts when making a purchase in certain stores, including K-food stores and Tokmanni. 
• With a personal OP user ID, the child or young person can conveniently track their spending on OP-mobile. 

• One card is free of charge for those under 26 years.
• For other customers, the monthly charge for OP Basic is 2.75 euros.
• The charge of an individual OP member cooperative bank may differ from this recommended charge.
• For owner-customers, the bank’s service fees are primarily charged from OP bonuses.

Take a closer look at our list of service charges and fees 

It’s advisable to set spending and withdrawal limits for the card as protection against card loss or misuse. You can set daily security limits for the card's use: for cash withdrawals, swiped payments, and online and in-app payments. 

A 15-year-old can change their card’s spending and withdrawal limits on OP-mobile or in the op.fi service if they have a personal OP’s user ID. Without a user ID, the spending and withdrawal limits can be changed by calling OP Customer Service at 0100 0500 (Mon–Fri 8–16) or by visiting a bank branch. 

Parents can change their child’s spending and withdrawal limits if they each send a similar message to the bank via OP’s digital services. Note! In addition to the card’s spending and withdrawal limits, the account too can have a transaction limit that restricts card payments. 

Read more about a card's security limits

Visa Secure (formerly Verified by Visa) increases security of online payments. To verify the cardholder's identity, the user is asked to confirm card purchases with OP's user ID. This strong identity verification effectively prevents misuse of cards. 

How to pay online purchases using your card

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

• When paying at a store with this card, the cardholder can withdraw up to 200 euros in cash.
• There is no fee for withdrawals made with OP-Visa Basic. 
• A preauthorisation hold is made for the cash withdrawal, to make sure that there is money in the account. Withdrawing cash at a store works like withdrawing cash at an ATM. The bank statement will show the details of all purchases and all cash withdrawals made with the card.