Best banking services for young people

We provide daily banking services for young people aged 15–17 free of charge.

Account for a young person’s money

A personal bank account is the basis of banking. You can open an account for a young person easily online, or the young person can open it themself for their earnings.

Debit card for easier everyday life

A card can be linked to the account, meaning that purchases will be debited directly from the account. It is also possible to pay using a phone if the card is linked to mobile payment apps.

Using online services is easy with OP's user ID

With the user ID, a young person can use OP-mobile and the op.fi service, pay online and in apps and use important services such as Kela, My Kanta Pages and the joint application system and entrance exams for schools.

Activate banking service for a young person

Did you come to sign the application?

Sign the application

A child’s own account and card will help them to manage spending and saving

OP Debit, which is suitable for young people, can be used to pay for purchases in Finland, abroad and online. When a young person pays with a card, the card's balance is checked and the payment is debited directly from the account.

The card works in locations without Internet access, such as aircraft. Then, the account balance may be exceeded. It pays to set spending and withdrawal limits for a young person's account enabling a secure daily use. However, the young person can change the card’s withdrawal and spending limits with their personal user ID.

When an OP user ID is activated for a young person, they can personally monitor their account transactions and balance on OP-mobile and op.fi service, and confirm payments online through applications and when using services. They can also log into services requiring strong identification, such as the op.fi service, Kela and My Kanta Pages.

The card held by a person aged at least 13 years can be linked to Apple Pay. When the person has turned 16 years, their card can also be linked to Googly Pay, Samsung Pay and Garmin Pay.

How to activate banking services for 15–17 year olds

Make sure that the young person has a valid personal ID document (passport or ID card) and personal phone number.
You open an account and apply for a card by filling in an application together with the young person.
A parent or parents sign the application using their own banking user ID.

The debit card and its PIN will arrive at home within 1–2 weeks.

This is how to a young person gets OP's user ID

If the young person also wants to have OP's user ID, they must be picked up from a branch. When you have activated other services on the op.fi service, book an appointment with a branch. Select “Personal customer - Daily banking services - Minor's accounts, cards and user IDs” as the subject. Mention that the young person wants to have OP's user ID. Book an appointment
With the parents' consent, the young person can visit a branch alone. Consent can be given while activating other banking services for the young person. A parent or parents can also join the appointment.
Please take a personal ID document with you. The youngster must take an ID card or passport. A driving licence can serve as a personal ID for the parents. Read more about accepted personal ID documents
At the appointment, OP's user ID will be given to the young person right away.

Can I fill in the application on the op.fi service?

Yes, you probably can. In the cases below, you can fill in the child's application:

You have another Finnish bank's user identifies.
The other parent has another Finnish bank's user identifiers.
If you apply for a card for a child or young person, they must have an ID card or passport issued by a Finnish authority.
If you apply for a card for a child or young person, they must have a phone in personal use, the number of which can be verified when you fill in the application.
- If the child has no personal phone number or the phone is a watch phone, visit a branch to apply for the card. Read more detailed instructions› link
The child or young person must be a Finnish citizen or dual citizen when the second nationality is in a Nordic country, in addition to Finland.
The name or personal ID code of the child's or young person's parent is not on a sanctions list.

Tips for parents

Let’s join forces to help children and young people to manage their finances. A healthy credit history and finances will be critically important to their future.
Please note that the child or young person’s user ID will enable them to view all accounts to which they have access rights.
If a parent or parents have access rights to a child’s or young person's account, they can view the account on OP-mobile or the op.fi service with their user ID. The parent can also make credit transfers into the child’s or young person's account and monitor account transactions.
Please note that the child or young person can't use the op.fi service with their user ID. With their user ID, they have access to the OP Accessible online service.
We recommend that both parents grant power of attorney for managing a child's or young person's banking affairs. Power of attorney will be needed later, for example, to change the card's spending/withdrawal limits via Customer Service. Power of attorney can be granted through the op.fi service. Please contact OP’s Customer Service if one of the parents does not have an OP user ID. You can also use another bank’s user ID for signing power of attorney. Link: Log in and go to Powers of attorney
A parent can change the spending and withdrawal limits of their child’s or young persons' card by logging into the chat service, by message on OP-mobile or at op.fi, by calling OP Customer Service or by visiting a branch. Please note that this can only be done if you have a power of attorney from the other parent. You can also send the same messages on OP-mobile or the op.fi-service. In the message, you should indicate the card's details to be changed and the cardholder's information, as well as the desired change.
Parents can also jointly set transaction limits on their child’s account to restrict its use. If necessary, they can request changes by sending the same messages on OP-mobile or at op.fi, with a power of attorney, or by visiting a branch.
The best way to manage a child's or young person’s account and spending is to keep only a reasonable amount of money on the child's or young person’s account.

Powers of attorney

Parents can also jointly set transaction limits on their child’s account to restrict its use. If necessary, they can request changes by sending the same messages on OP-mobile or at op.fi, with a power of attorney, or by visiting a branch.