Cards and card use

Are you planning to apply for a new payment card or credit card? See available options and apply easily for a new card. Here you'll also find support and tips for using OP cards.

My card details

Log in and edit your card settings or use the quick shortcuts in unexpected situations. In the card settings, you can change the card's spending and withdrawal limits, increase its credit limit or check the card's PIN.

Edit card settings

Card lost or stolen

How to change card spending and withdrawal limits

How to increase card credit limit

Additional information on card billing

FAQ about cards

Benefits and news

Price benefit

Use your owner-customer benefits

As an OP cooperative bank owner-customer, you get daily banking services without monthly charges until the end of 2025. The benefit also applies to the OP Gold card.

Learn more about OP Gold

OP Gold is credit card for students

You can apply for OP Gold if you study at a university or university of applied sciences.

Card is the best payment option when travelling

OP’s Visa cards and Mastercards work reliably everywhere in the world. When abroad, paying with a card is also more inexpensive and safer than paying in cash.

Tips for using the card

Two cards are worth having

Pay for daily shopping with one card and use the other for online buys and streaming services. This will give you a clearer picture of how you spend your money.

Read more about the benefits of having two cards

Mobile payment

You can link your card to Apple Pay or Google Pay. These payment apps let you make online and in-app payments with just your smartphone.

Why pay for purchases by credit card?

A credit card gives greater flexibility in unexpected situations and provides extra payment protection. Credit card company cover for credit purchases helps if problems occur.

Enable OP-mobile notifications

With the help of OP-mobile notifications, you'll immediately know about payments made with your card. You'll notice instantly if your card payment fails or there's an attempt to misuse your card.

Free Product Protection Insurance covers your card purchases

The owner-customer's Product Protection Insurance covers products against breakage or theft. The insurance is valid when you pay with an OP credit card using either the credit or debit feature.

Read more about Product Protection Insurance

Add K-Plussa to your card

Reduce the number of cards in your wallet by adding Plussa feature to your OP payment card. You can add the Plussa feature to all OP cards free of charge.

Example calculation for credit of OP Visa cards:

The effective interest rate calculated for used credit of 2,000 euros is 19,04% (10/2024). The calculation does not take into account the owner-customer's or other discounts. This calculation is based on the assumption that the card’s monthly charge is 2.95 euros and the monthly account service charge 3.50 euros, free of charge e-invoicing is in use, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2,186.80 euros.

Example calculation for credit of OP Duo credit card:

The effective interest rate calculated for used credit of 2,000 euros is 20,40% (10/2024). The calculation does not take into account the owner-customer's or other discounts. This calculation is based on the assumption that the card’s monthly charge is 4 euros and the monthly account service charge 3.50 euros, free of charge e-invoicing is in use, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2,199.40 euros.

Example calculation for credit of K-Plussa Maksuaika credit card:

The effective interest rate calculated for used credit of 1,500 euros is 21.00% (10/2024).
This calculation is based on the assumption that the card’s monthly charge is 0.00 euros and the monthly account service charge 5.00 euros, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 1 652,99 euros.

The cards are granted by OP Retail Customers Plc.