My payment card doesn’t work – what should I do?

If your OP card doesn’t work, you can usually solve the problem yourself.

If the card doesn’t work, first check its settings 

  • Check that the card is valid. Depending on the card, validity (mm/yy) is marked either on the front or the back of the card. 
    Check the card’s spending and withdrawal limits on OP-mobile or the op.fi service under Omat kortit (My cards). Read instructions for changing the spending/withdrawal limits
  • The usage restrictions of the bank account linked to the card may also prevent you from using the card if you’ve made a large payment or credit transfer from the account on the same day. Check the account’s usage restrictions in the op.fi service, under Account details
  • Check that there are enough funds available for spending on the card or the account linked to the card. You can check the card balance on OP-mobile or the op.fi service. 

If you’re using a credit card, also check the following

  • Have you reached the card’s credit limit? Raise your credit limit on OP-mobile or the op.fi service under Omat kortit (My cards). Log into the op.fi service to increase the credit limit
  • An unpaid bill may prevent the use of a credit card. If you receive your credit card bill as an e-invoice, you can see the bills in the received e-invoices of the op.fi service. A credit card bill can always be paid using the same details. Log into the op.fi service to check received e-invoices
  • Have you paid the bill, but the payment isn’t showing in card transactions or the available credit yet? There’s a delay of approximately 1–2 banking days before a paid bill will show in the available credit facility. 

If contactless payment doesn’t work

  • Activate contactless payment for a new card by paying your first purchase using the card reader and your PIN. You must make your first payment with the side (credit or debit) on which you enabled contactless payment for the combination card. You can check and change the contactless payment side (credit or debit) of your card in My card on op.fi. If you change the contactless payment side, you must order a new card. 
  • If your purchase exceeds 50 euros, you must enter your PIN in the card reader to confirm the payment. However, you do not need to insert your card in the reader.
  • In order to prevent misuse, occasionally card payments must be confirmed with a PIN. If the card reader asks for a PIN or contactless payment fails, insert the card into the chip reader and confirm the purchases with your PIN. 
  • You can only make a certain number of consecutive contactless payments after which contactless will no longer work. To get contactless to work again, insert the card into the chip reader and key in the PIN the next time you’re paying your purchases with the card. Pay with the side (credit or debit) on which you enabled contactless payment.
  • So, even if you only use your card for small purchases, we recommend that you pay by using your PIN instead of contactless every once in a while. 
  • If contactless doesn’t work despite this, see additional instructions in the section My card is broken. 

Is the problem still unsolved? Also read the following.

 

In what situation did the problem occur?

 

Have you lost your card? Read the instructions.

If your card is lost or stolen, deactivate it by calling OP Deactivation Service (open 24/7)

Did you not find a solution to your problem?

Please contact our Customer Service so that we can solve the problem together. Write down the error message that you received at a card reader or on an online store’s page. 
At the beginning of your call, we’ll ask you to identify yourself by using your OP user ID. Also, have Mobile key or your key code list at hand. 

At the beginning of your call, we will ask you to identify yourself by using your OP user IDs. Also have your key code list available.

Customer service contact information for Private Customers

Customer service contact information for Corporate Customers

Help is also available, easily and without queueing, via the chat service (available in Finnish and Swedish). We’ll be able to help you best if you identify yourself with your OP's credentials when logging into the service.

How to prepare for possible card problems? 

Sometimes, problems with payment cards can’t be solved immediately. The easiest way of preparing for unexpected situations is having another payment card that you can use if your main card disappears or is damaged. A backup card will also come in handy if you forget your main card PIN or the card becomes locked. 

Also, we recommend that you start using OP-mobile and Mobile key. They will help you to solve card issues, wherever you are. 

Read more about cards offered by OP and choose a backup card that suits your needs

If you’re waiting for your new payment card to be delivered, you can use Apple Pay or Google Pay for paying your purchases if you have an Apple or Android device. You can add your card to Apple Wallet or the Google Pay app even before you receive the physical card. Read more about paying with Apple Pay

How to start using your new card?
Four easy steps how to start using a new card. Read more!
What is a credit card?