OP Debit

You can get an OP Debit card if you have an OP account and are at least 15 years old.  

For people under 26, one card and daily banking services are free of charge. For other OP customers, the monthly charge for OP Debit is 2.75 euros. For owner-customers, the bank’s service charges are primarily paid from OP bonuses. 

Take a closer look at our list of service charges and fees 

How to apply for a card for 7–17-year-olds

You can apply for a card online if you are an OP customer and you have an OP User ID. 

1. The child must have a valid passport or identity card as well as a personal phone number for verification of identity. You will need these to fill in the application.
2. Fill inthe application together with the child. 
3. The other parent, if any, or parents sign the application using their own banking user ID. This can be done with another bank’s user ID too.
4. The debit card and its PIN will arrive at home within 1–2 weeks.

Activate banking services for a child

For the young person to be able to pay with the card online, or add it as the preferred payment method in apps or services, they will need a personal OP’s user ID.

Read more about OP User ID for young persons 

• The OP Debit card has no credit feature. Purchases are always debited from your account within a couple of days. 
• The card is free of charge if you’re under 26 years. 
• The K-Plussa feature is available for this card. 
• You can withdraw cash at checkouts when making a purchase in certain stores, including K-food stores and Tokmanni. 
• You can use contactless payment for all card purchases. Purchases of over 50 euros have to be confirmed by entering your PIN in the card reader, but you do not need to insert your card in the reader.
• You can track your card transactions conveniently on OP-mobile (in English) or on the op.fi service (in Finnish or Swedish). 
• If you open Money Box and enable Auto Save through card, your savings will add up every time you pay with your card. Note that Money Box is only available for customers over 18, because it allows investing in mutual funds. 

For under 26-year-olds, there is no charge for our daily banking services. This includes one debit card, current account, OP-mobile and the op.fi service (in Finnish and Swedish). 

• It’s advisable to set spending and withdrawal limits for OP Debit as protection against card loss or misuse. In addition, you can set transaction limits to the account, to restrict card payments. 
• You can set daily security limits for the card's use: for cash withdrawals, swiped payments, and online and in-app payments. 
• The new spending and withdrawal limits will take effect immediately after you have changed them on OP-mobile or op.fi. You can also change these limits by calling OP Customer Service at 0100 0500 (Mon–Fri 8–16) or by visiting a bank branch. 

Visa Secure (formerly Verified by Visa) increases security of online payments. To verify the cardholder's identity, the user is asked to confirm card purchases with OP's user ID. This strong identity verification effectively prevents misuse of cards. 

You can link your card to Apple Pay, Google Pay, Samsung Pay or Garmin Pay. These payment apps let you make payments in stores, online and in apps with just your smartphone. You don’t need your card or card details at the time of payment. 

With Apple Pay, Google Pay, Garmin Pay and Samsung Pay, you can always use contactless payment without a PIN, even for purchases over 50 euros.

You can enable Apple Pay, Google Pay, Samsung Pay or Garmin Pay if you have personal customer’s OP's credentials. Note that you need to be at least 13 years old to use Apple Pay and at least 16 years old to use Google Pay, Samsung Pay or Garmin Pay.

Read more about mobile payments

• When paying at a store with this card, you can withdraw up to 200 euros in cash. 
• Cash withdrawals with OP Debit are free of charge. 
• A preauthorisation hold is made for the cash withdrawal, to make sure that there is money in the account. Withdrawing cash at a store works like withdrawing cash at an ATM. Your bank statement will show the details of all payments and all cash withdrawals you have made with the card. 

General Terms and Conditions for Payment Cards >

The card is granted by OP Retail Customers Plc. Apple Pay is provided by Apple. Google Pay is a trademark of Google LLC. Samsung Pay is provided by Samsung. Garmin and the Garmin logo are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.