Why do I need to sign a credit agreement before I can use OP Lasku?
OP Lasku always includes a credit agreement to ensure that paying by invoice and switching to payments in instalments if you so choose is effortless for you.
If you always pay the entire invoice at once, you never pay any interest. If you wish to pay in instalments, the unpaid part of the invoice is automatically transferred to payment in instalments. This way, you do not need to sign a separate credit agreement and agreement on payment in instalments.
You only need to sign the credit agreement the first time you use OP Lasku. After this, you can pay by invoice in online stores with just a few clicks.
What is meant by revolving credit?
With a revolving credit, you can make purchases in several online stores and pay for the purchases in one place. Credit is released for reuse when you pay off your previous purchases.
You always know how many invoices you have open and what is your monthly repayment. This way, you can easily manage your purchases and their repayment. You only pay the account service charge of €2.95 once a month even if you make purchases from several online stores.
Where can I pay with OP Lasku?
OP Lasku can be used to pay in online stores that accept it as a payment method. If this is the case, OP Lasku is listed as an option in the online store's payment methods. OP Lasku can currently be used in online stores whose online payments are handled by Paytrail or Visma Payments, and which accepted OP Lasku as a payment method. The number of online stores using OP Lasku as a payment method continues to increase.
How and when do I receive the invoice for my purchase?
You will receive the invoice to the email address you provided 14 days before the due date. You can also find the invoice in OP's online financing service.
What should I do if I can't find my invoice?
Each invoice has an interest-free payment period of 45 days, and you will receive the invoice to the email address you provided 14 days before the due date. In other words, if you made the purchase less than 31 days ago, your invoice is likely still on its way. You will also receive a reminder about the invoice by SMS three days before the due date. You can also find the invoice in OP's online financing service.
What should I do if I forgot to pay an invoice by the due date?
You should always pay the unpaid invoice as soon as possible. The penalty interest is charged in the invoice for the next month.
I returned some or all of the products, how will my invoice be corrected?
Thanks to the long interest-free payment period, you decide before paying whether you want to keep the product you ordered. If you wish, you can return a part or all of the purchase.
When returning purchases, always contact the online store directly. Information about the return is automatically forwarded to OP Lasku. You will receive an SMS from us about the return and a corrected invoice in your email. You can also find the invoice in OP's online financing service.
Online stores do not necessarily refund additional services subject to a charge, such as shipping and installation costs. Depending on the online store, you may still need to pay for these even if you have returned the product.
Why was my credit application for OP Lasku rejected?
Credit decisions are based on an overall assessment of the customer's repayment capacity. For the overall assessment, we will also check your credit history from the credit information register. If the rejection is due to an entry in your credit information file, we will let you know about this separately in the rejected credit decision.
If you receive a rejected credit decision in the automated decision-making process and want more information about the decision, you can contact our customer service.
- Email: auto.asiakaspalvelu@op.fi
If you are still dissatisfied with your decision, you can appeal the decision if you wish.
Where can I find the list of purchases I have made by invoice?
Information about your purchases is found on the invoice if the online store has forwarded the information to us. If the purchases are not listed on the invoice, you can find them in the order confirmation you received from the online store.
If you contact the online store about the purchases on the invoice, you may need the merchant reference number found on the invoice. The online store will be able to find your purchase details using the merchant reference.
How do I order an e-invoice?
Order an e-invoice in your bank’s online service. Information needed to order an e-invoice:
Payee/invoicer: OP Corporate Bank plc
Subject of invoice: OP Lasku
Invoicer-specific information: personal identity code
I received an SMS/email about an OP Lasku purchase despite never having selected OP Lasku as a payment method. What should I do?
Please contact our customer service by email at oplasku@op.fi or by phone at 010 252 5811. Call rate: local/mobile network rate. Call rates also apply to queueing.
How do I change my contact details?
Log in to OP's online financing service. In the service, you can change the email address and phone number used for billing.
I am not OP's customer. Can I still pay by OP Lasku?
Yes. OP Lasku is intended for customers of any Finnish bank. You can log in to OP's online financing service with your personal online banking user identifiers issued by any Finnish bank or Mobile ID.
How do I change my invoice to instalments?
The invoice you received shows the minimum amount you need to pay by the due date. If you pay the minimum amount or some other amount other than the invoice total, the unpaid part is automatically converted to instalments, with the next invoice due in one month's time.
When paying, please note that the reference number when paying in instalments is always different to the one on the original invoice.
When you pay in instalments, always use the reference number in the monthly instalment invoice to ensure that the payment is entered directly for the correct invoice.
How much does OP Lasku cost?
We charge an account service charge of €2.95 for the use of OP Lasku, including when paying in instalments. If you receive several invoices in one month, you only pay the account service charge once. The account service charge is not charged when you do not receive invoices. In other words, you only pay for your use of OP Lasku.
When paying in instalments, the total interest rate is 18.50% (1/2025)*.
*OP Lasku is a revolving credit. The annual percentage rate of charge for a loan of 1,000 euros is 25,3% when the credit interest rate is the reference rate under section 12 of the Interest Act + 15.00% (18.50% in January 2025), and the account service charge is 2.95 euros per month. The estimated total amount payable would be 1,375,57 euros. This calculation assumes that the entire credit is used, the credit interest rate, fees and charges remain constant throughout the credit term, and the credit is repaid in minimum monthly instalments of 27.78 euros, meaning that the credit term is 36 months. The credit is granted by OP Corporate Bank Plc, Gebhardinaukio 1, FI-00510 Helsinki.
What is the account service charge for the use of OP Lasku?
When you pay in instalments using OP Lasku, an account service charge of €2.95 is added to the billed sum. You only pay the account service charge once even if you make several purchases and receive multiple invoices in the same month. The account service charge is only applied to the first invoice of the month.
The account service charge is also not charged when you do not receive invoices. In other words, you only pay for your use of OP Lasku. The account service charge is not a monthly charge for using OP Lasku.
Will I incur charges on OP Lasku if I don't use the service?
No. You do not pay anything when you don't use OP Lasku. OP Lasku remains on standby should you use it again.
I don't want to pay in instalments. Can I still use OP Lasku as a payment method?
Yes, you can. In this case, you should pay off the invoice in full. This way, the payment is not broken into instalments.
Can I pay more than the minimum repayment listed on the invoice?
Yes, you can. With OP Lasku, you can influence your repayment period by paying the invoice in instalments of your choice. You can pay any sum between the minimum repayment and the invoice total using the reference number on the invoice. The remaining payable amount is always shown on the invoice.
Which reference number should I use when paying invoices sent from OP Lasku?
The first invoice for each purchase (PURCHASE) contains the reference number that is used when paying for the purchase. If the invoice is broken into instalments with an interest applied to the payable amount, the invoices (INSTALMENT) have a reference number that is different to the first invoice. The invoices also include a merchant reference. This number is used when communicating with the online store and is not intended to be used when paying OP Lasku invoices.
I want to pay with OP Lasku in online store x, is this possible?
OP Lasku can be used to pay in online stores that accept it as a payment method. OP Lasku can currently be used in online stores whose online payments are handled by Paytrail or Visma Payments, and which accepted OP Lasku as a payment method. The number of online stores using OP Lasku as a payment method continues to increase.
What should I do if I can't pay the minimum monthly repayment?
Email us at oplasku@op.fi and explain your situation. We will contact you.
Can I change the due date of invoices when paying in instalments?
The due date when paying in instalments is determined by the date of the original purchase. The due date cannot currently be changed when paying in instalments.
I want to cancel my OP Lasku agreement, what should I do?
OP Lasku is free of charge if the credit facility has no billable events. If you want to cancel the credit, message us in OP's online financing service with the subject "Muu asiakkuuteen liittyvä aihe" (Other subject related to customer relationship). After we have processed the termination of your credit, its information is no longer shown in OP's online financing service. The termination of the credit agreement will be updated to the Positive Credit Register within a few days. Please note that after cancelling OP Lasku, you will no longer be able to use OP Lasku as a payment method.