Become an OP customer

As an OP customer, you get all your banking and insurance services from one bank, making your daily use of services easier. 


Once you've become our customer, you can also become an OP cooperative bank owner-customer and get benefits and valuable OP bonuses. As an owner-customer, you get discounts on banking, insurance and savings and investment services – and will have more to spend on other things.


As an owner-customer, you will also get daily banking services without monthly charges until the end of 2025, and you will earn 40% more OP bonuses compared to the normal level of 2022. 


Have a look at the banking services we offer and read more about the services that suit your life situation.ices that suit your life situation.

Get banking services digitally

Enable use of our daily banking services and get access to a Current Account, diverse digital services, an OP user ID and a card. 
You can submit an application digitally if

  • you are of age
  • you are a citizen of the European Economic Area (EEA) or a dual citizen who holds citizenship in Finland and another EEA country
  • you have a permanent address and domicile in Finland
  • your credit history is in order, and you do not have a voluntary credit ban
  • your name or personal ID code are not on a sanctions list.

You'll need Finnish banking user identifiers and about 15 minutes of time to fill in the application.

 

 

Did you receive a message from us and come to get your user ID?

Get user ID

Enable banking services for a child

Children and young people get daily banking services free of charge. You can open a Current Account for a child, and if the child is over the age of 7, you can also order a card and get an OP user ID for digital services for them. 
You can enable banking services for a child digitally if

  • the child has a personal ID code and registered name
  • you have an OP user ID
  • the child's other guardian has Finnish banking user identifiers
  • the child is a citizen of the European Economic Area (EEA) or a dual citizen who holds citizenship in Finland and another EEA country
  • the child has a permanent address and domicile in Finland
  • the name or personal ID code of the child or parent is not on a sanctions list.

You should reserve about 15 minutes for completing the application.

To order a card, you'll need the personal phone number of the child, and the child must have a valid identity card or passport.
If the child has more than one guardian, the other guardian must sign the completed application on the op.fi service.

Have you moved to Finland?

Get Finnish banking user identifiers. When you become OP's customer, you get a Current Account, an OP user ID for digital services and a card. 

To enable banking services, you'll need

  • a Finnish personal ID code 
  • a Finnish address that is registered to the Digital and Population Data Services Agency
  • a residence permit if you came to Finland from outside the EU
  • a valid ID document
  • to be aged 18 or over.

Fill in the preliminary information form below to start the process of enabling banking services. The information and documents you provide will be needed when you meet our staff at a bank branch. You’ll need to come to a bank branch and apply in person to properly activate your customer status.

Apply for a home loan

You can apply for a home loan to buy a home or transfer your existing home loan. 

The steps of the home loan application process:

  • start by filling in the loan application online
  • our expert will be in touch with you 
  • if you are buying a new home, let us know when you find a suitable home
  • you'll get a binding loan offer and can then make a purchase offer on the home.

If you are not an OP cooperative bank customer yet, you can use another bank's user identifiers to apply for a home loan.

Applying for a home loan does not obligate you to take out the loan and it is free of charge. Start by filling in a loan application.

 

Become a corporate customer

As our new corporate customer, the Corporate Services Starter Package is available to you, enabling you to conveniently manage your company’s banking matters.

You can fill in the application online if:

  • you have an OP user ID
  • your customer information is up to date in My profile
  • you are of age
  • you are authorised to sign for your company alone or together with another person
  • your company is currently in operation and is a limited liability company or you are a private trader 
  • your company is only liable to pay tax in Finland
  • your business consists mainly of non-investment activities.

 

Visiting a branch

If you can't enable new services digitally and need our experts' help, you can book an appointment with a branch.

Insurance
Insurance policies for all sorts of needs. Read more and calculate the premium!
        
    
    
    
    
                                                                                                                                            Talouden tasapaino OP
My financial balance
How much do you spend on necessities, how much on fun? Any money left over for savings? Check your financial situation on OP-mobile!
More benefits for owner-customers

As an owner-customer, you'll get 40% more OP bonuses than normal, until 31 December 2025.