Current Account

Bank account for daily use

Best everyday bank account

Receive your regular income, such as salary or pension benefit, to a Current Account. Pay purchases, bills and loan repayments easily.

Included in daily banking services

Link one or several cards and OP's user ID to the account. Then you can do your banking on OP-mobile and on op.fi service.

Follow your account transactions

Easily in English on OP-mobile. For an online bank statement, log into the op.fi service.

Open Current Account

Do you want better interest on your savings?

Put your excess savings in the new Savings Account. The Savings Account pays better interest on your money than a Current Account. You can save in the Savings Account flexibly at your own pace and access your money at any time.

Learn more and open a Savings Account

As an owner-customer, you get 0.25% interest on your Current Account

An OP cooperative bank owner-customer with a Current Account with standard terms and conditions and owner-customer membership in the same OP cooperative bank will be paid interest. If the account has several holders, all account holders must be the same OP cooperative bank's owner-customers.

Moreover, you as an owner-customer also get personal customer daily banking services without monthly charges until 31 December 2025. This benefit includes a Current Account, the use of OP's user ID and digital services, and one or several cards. This benefit applies to both individual products and daily services packages. Its value depends on the products and services you use. The Current Account is currently free of charge for owner-customers at their own OP cooperative bank.

Bank account for daily use

Current Account is part of our daily banking services, which also includes payment cards and an OP user ID for digital services.
Pay your bills, purchases and loan repayments easily from the Current Account.
Transfer spare money from your Current Account to Growth Return Account or Money Box or buy fund units or stocks.
Use your money tracking-tool My financial balance on OP mobile. It helps you get a clear picture of your income and expenses.
Open a Current Account easily on OP mobile. You can also do it in the op.fi service.

Learn more about daily banking services

Opening an account as a customer of another bank

If you want to open an account and are not yet OP's customer, you can become OP's customer and activate banking services digitally as well. Daily banking services include a Current Account, diverse digital services, an OP user ID and a card. You will only need 15 minutes for digital customer onboarding, banking user identifiers issued by a Finnish bank and a phone on which you can receive SMSes. You will be able to transfer money to your new account the day after opening the account.

Read more about how to become a customer; become a customer or make an appointment with a bank branch through the link on this page:

Become OP’s customer | Switch banks

Deposit interest rate

A Current Account's interest rate is fixed 0.25% for an OP cooperative bank owner-customer. Earning interest requires that the account and owner-customer membership are with the same OP cooperative bank. If the account has more than one account holder, all account holders must be owner-customers at the OP cooperative bank that holds the account. For customers other than owner-customers, the deposit interest rate is fixed 0.00%.

Calculation and payment of deposit interest

The Current Account's deposit interest rate is calculated on the lowest balance of a calendar month. The lowest balance is based on the daily closing balance.

The deposit interest will annually be added to the account's funds on 1 December and it can be withdrawn before mid-December, unless otherwise agreed in the account agreement. You can check the interest payment day from your account agreement. You can find the electronic account agreement in My archive. The paper account agreement has been sent by post or given at the meeting.

Log in and go to My archive

Tax treatment

Tax at source is charged on each interest payment. You do not need to report the deposit and earned interest in taxation.

Check the interest on your account

You can check the interest rate on your account by logging in to op.fi service or OP-mobile using your OP user ID.

How to check the interest rate on your account in the op.fi service:

Log in to the op.fi service.
In the main menu, open the section Rahat (Money) and select Tilit and then Omat tilit (Accounts, My accounts).
After this, select Tilien tiedot (Account details) and Tietojen muokkaus (Edit details).
You then need to select the account whose details you want to view.

Log into op.fi and go to account details

How to check the interest rate on your account in OP-mobile:

Log in to OP-mobile.
Select the account whose interest rate information you want to view.
Go to Account settings by tapping the gear icon.
Select Account interest rate.

Account terms and conditions and the monthly charge

Terms and conditions

General Terms and Conditions for Accounts (applicable to new account agreements from 11 December 2024 and to all account agreements from 1 April 2025) (pdf)

General Terms and Conditions for Accounts (applicable to old account agreements until 31 April 2025, or the account agreements made before 11 December 2024) (pdf)

The General Terms and Conditions for Accounts for Personal Customers apply to current accounts. According to the terms and conditions, the bank has the right to change the account agreement, the terms and conditions, and the list of service charges and fees. The bank will inform you of changes as specified in the terms and conditions.

Monthly charge

The Current Account is subject to a monthly charge that is based on our list of charges and fees valid at the time. The Current Account is free of charges

for OP cooperative bank owner-customers, if all account holders are owner-customers at the same OP cooperative bank where the account was opened
for customers aged under 26
if the account has been pledged
if the account belongs to a death estate

See the valid list of charges and fees

Check your owner-customer membership

Deposit guarantee

Savings on the account are protected by a statutory deposit guarantee. The maximum compensation for guaranteed deposits is EUR 100,000 for the deposits made in a single deposit bank. OP Financial Group member banks are considered a single bank from the perspective of the deposit guarantee.

Set safe transaction limits for your account

You can easily change the transaction limits for your accounts on OP-mobile and in the op.fi service. Considering that such daily limits make it safer to use the account, you should set them. You can change the limits temporarily when you make bigger purchases, for example.

You can set two types of transaction limits for your account:

For the biggest possible one-time withdrawal
For the total daily withdrawals, or the maximum amount of money you can withdraw within one day.

The transaction limits relate to:

cash withdrawals
real-time credit transfers and
card payments which are automatically checked against during payment whether the account has sufficient funds.

The transaction limits do not affect the amounts submitted to the payment service payable on the due date.

Read the instructions for changing the transaction limits of your account

Also set spending/withdrawal limits for each card

It is advisable to set card-specific spending/withdrawal limits with which you specify daily limits for cash withdrawals, POS payments and online payments.

You can change your cards’ spending and withdrawal limits on OP-mobile and in the op.fi service. You can also call our Customer Service or visit an OP cooperative bank branch.

You can set the limits separately for your card's debit and credit sides.

Go to customer service page

Change your cards' spending limits (requires login)

Electronic payslip

E-salary is an electronic payslip on OP-mobile and on the op.fi service. To use the service, you will need your OP user ID.

Using the service requires that your employer has an agreement about it with the pay slip provider. To find out your pay slip provider, ask your employer.

Benefits of the electronic payslip

Payslips are always kept safe, and you can easily browse them.
The payslips are stored in an electronic archive for 18 months.
You can print the payslips out whenever needed or save them to your own computer.
An electronic payslip is eco-friendly and a free service for the employee.

Owner-customer's OP bonuses and benefits from banking services

As an OP cooperative bank owner-customer, you get OP bonuses that decrease your banking and insurance service charges. As an OP cooperative bank owner-customer, you get 40% more OP bonuses compared to the normal level of 2022. We will continue the familiar benefit until the end of 2025.

OP bonuses come from

funds in savings accounts
home loans, student loans and secured bank loans
mutual fund units and unit-linked insurance
paid insurance premiums, such as home and motor vehicle insurance and continuous travel insurance.

OP bonuses are tax-free. Because of that they are automatically used for loan service and origination fees and insurance premiums, among other things.

How to close your account if you have an OP user ID

If you have OP’s user ID, in most cases, you can close your account by logging into op.fi or OP-mobile. In the op.fi service, you can close your Current Account, Money Box, Savings Account, Growth Return Account, Step-up Account, Special Purpose Account, Continuous High-yield Account or ASP Account. On OP-mobile, you can close your Current Account, Savings Account, Growth Return Account, Step-up Account, Special Purpose Account and Continuous High-yield Account.

You can’t close an account in the op.fi service or on OP-mobile if the account is your last one with OP, or it is a joint account. In these cases, read our more detailed instructions.

Log in and close an account

How to use a user ID issued by another bank to close your account

You can log into the op.fi service using another bank’s identifiers too and close your account via the service.

Log in and close an account

You can also contact us via chat at op.fi (in Finnish). During the chat, you can use a user ID issued by another bank to verify your identity: in most cases, our customer service will be able to close your account during the chat, once you have verified your identity.

If your account cannot be closed via chat, you can call our Customer Service.

How to close your account if you do not have a user ID with any bank

If you would like to close an unnecessary account and you do not have a user ID with any bank, please contact our Customer Service by phone. Our Customer Service will advise you on how to close the account.

Go to Customer Service page

Opening an account as a customer of another bank

If you want to open an account and are not yet OP's customer, you can become OP's customer and activate banking services digitally as well. Daily banking services include a Current Account, diverse digital services, an OP user ID and a card. You will only need 15 minutes for digital customer onboarding, banking user identifiers issued by a Finnish bank and a phone on which you can receive SMSes. You will be able to transfer money to your new account the day after opening the account.

Read more about how to become a customer; become a customer or make an appointment with a bank branch through the link on this page:

Become OP’s customer | Switch banks

The account is provided by OP cooperative bank.

Opening a Current Account for a child

You can open an account while the child is still young, even right after the child’s birth. Open an account conveniently online.