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

Become our customer digitally

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.

Read more and get banking services for a child

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.

Fill in the form

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.

Apply for a home loan

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.

Read more about services

Visiting a branch

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

Book an appointment

Switching your bank to OP

When you want to switch your bank to OP, you can do so by filling in the application digitally in the op.fi service. After becoming our customer, we will go over your needs and open the banking services you need. You can authorise us to end your services in your old bank by filling in a power of attorney to transfer the customer relationship together with the bank's expert.

Read answers to frequently asked questions about becoming our customer and switching banks

If you would like to transfer your home loan or apply for a loan, start by filling in the loan application. Become our customer after you have accepted the loan offer.

Apply for a home loan from OP

Service providers and additional information

Current Account
The account is provided by OP cooperative bank.

Owner-customer
Owner-customer membership is provided by OP cooperative bank.

Loan
The bank loan is granted by an OP cooperative bank.

Insurance
The insurance is issued by Pohjola Insurance Ltd.

Subscription management service
The service is provided by Minna Technologies in cooperation with OP Retail Customers plc.

My financial balance
My financial balance service is provided by OP Retail Customers plc.

OP-mobile
OP-mobile service is provided by OP Retail Customers plc.

OP's user ID
Service is provided by OP Financial Group.

The cards are issued by OP Retail Customers plc, which also acts as the policyholder for insurance products included in the card and as the contract customer for other additional services.

More information about fixed-term benefits for owner-customers in 2025
The benefit applies to individual products and daily services packages. The value of the benefit depends on the products and services you use. For example, the price of the daily services package for owner-customers starts from €3.95 per month and for owner-customers aged under 30 from €0 per month. In 2024 and 2025, OP bonuses are calculated by multiplying your annual service transactions in euros by 0.0035. In normal years, the factor is 0.0025.

Termination of owner-customer relationship

Owner-customer terminates the membership

The owner-customer has, at any time, the right to terminate their owner-customer membership by informing their OP cooperative bank of this in writing. The owner-customer membership termination date is the date on which the OP cooperative bank has received the termination notice.

Death of owner-customer

An owner-customer membership will terminate on the death of the owner-customer. In the distribution or partition of the deceased person’s estate, the death estate can transfer the deceased person’s owner-customer membership, generally either to widow/widower or heir.

Becoming an owner-customer and membership cooperative contribution

Becoming an owner-customer and member contribution

Your current customer relationship and any user ID in your use affects you becoming an owner-customer.

If you are an OP cooperative bank’s customer and have OP’s user ID, you can become an owner-customer by logging into the op.fi service. Become an owner-customer
If you are an OP cooperative bank’s customer but you do not have OP’s user ID, start by booking an appointment Book an appointment
If you are not an OP cooperative bank’s customer but you have another bank’s user identifiers and are interested in becoming an OP cooperative bank’s customer, become our customer online Become our customer digitally

Membership cooperative contribution

When joining us, you will pay an ordinary cooperative contribution as a one-time contribution, no other payments exist. In most banks, the amount of the membership cooperative contribution is 100 euros. You can find the amount of the membership cooperative contribution on the owner-customer application and in your OP cooperative bank.

If ever you decide to stop being an owner-customer, your membership contribution will be refunded to you in full. The cooperative contribution will be refunded after one year has lapsed from the end of the financial year during which the owner-customer membership was terminated.

However, OP cooperative banks have the right to refuse to refund the contributions according to the bank's rules. You can check the rules of the OP cooperative bank on the bank's op.fi page or in the head office.

Who can become an owner-customer?

Any person, entity or foundation using OP Financial Group’s services, irrespective of their nationality, can become an owner-customer.

Child as an owner-customer

A child can become an owner-customer. All guardians of the child sign together their underage child’s application for an owner-customer membership. By doing so, the parents also give their consent that their child will begin to earn OP bonuses.

If the membership contribution is paid using proceeds of the child’s own work, the child can him/herself sign the membership application and pay the membership contribution.