OP's user ID for children and young people

As a child grows, also the need for banking services grows. We have suitable user IDs for children and young persons of different ages for handling banking matters – even independently. If the child doesn't have an account of their own, you can open an account and apply for a user ID during the same visit to a branch. A card, the user ID and digital services are free of charge to children.

What kind of services can children and young people use once they have a user ID?

A 7–14-year-old child can have access to OP's restricted digital services for young people, allowing them to

  • check the balance and transactions of accounts to which they have access rights on OP-mobile.
  • use the OP Accessible online service to make payments from accounts to which they have access rights. A 7–14-year-old may not use the op.fi service. 
  • pay for online purchases from accounts to which they have access rights. 
  • confirm card payments for online purchases with Mobile key.

Guardians can restrict service use by controlling the access rights of an account and card. Digital services for 7–14-year-olds are more limited than those for older children, to ensure that they can practice their personal financial skills safely.

Children aged 12 and older can also be granted strong electronic identification. This allows them to use services on OP-mobile as well as MyKanta, Kela and Studyinfo (Opintopolku).

A youth aged 15 and older can be granted access to OP’s digital services for young people. A youth can

  • check the balance and transactions of their own accounts on OP-mobile and the op.fi service.
  • use accounts, for which they have access rights, to make payments on OP-mobile and the op.fi service. 
  • confirm card payments for online purchases with Mobile key.
  • confirm card payments with Mobile key.
  • with the guardian’s consent, manage investments independently. 

How to obtain a user ID for a child or young person

My dependant is 7–14 years of age
  • The child can get an OP user ID from a bank branch. The guardian must visit the branch with the child. The child will need to bring a valid passport or identity card, whereas the guardian can also prove their identify with a driving licence. See which identity documents we accept
  • If the child has another guardian who doesn't come to the bank with you, you will need their authorisation to receive the user ID. Informal power of attorney is not considered valid for this purpose. Instead, a power of attorney must be granted on the op.fi service. Go to power of attorney and log in with OP's or another bank's user ID. 
  • After you have a power of attorney from the other guardian, visit or book an appointment at a bank branch. Book an appointment here 
My dependant is 15–17 years of age
  • The young person can get an OP user ID from a bank branch. They will need to bring a valid passport or identity card to the bank. The guardian can prove their identify with a passport or an identity card, but also with a driving licence. See which identity documents we accept
  • If the young person visits the bank branch alone, the guardians must in advance give their online consent to the granting of a user ID. If only one of the guardians visits the bank branch, the other must give their consent in advance. The guardians can give consent on the op.fi service, using the general power of attorney. Informal power of attorney is not considered valid for this purpose. 
  • Copy this text in the power of attorney and fill in as required: 
  • Go to general power of attorney and log in with your OP user ID. If the guardian has no OP user ID, giving consent is possible by calling our Customer Service or by visiting a bank branch. 
  • If the young person would need to manage their investments with their OP user ID, we'll need a separate consent from the guardian. Read more about independent investing for young people  
  • After the guardians have given their consent, the young person can book an appointment or visit the bank branch.     

OP-mobile and Mobile key for a young person

If a child or young person already has an OP user ID, they can use OP-mobile and Mobile key. The under-15s will be able to check their account information and card transactions on OP-mobile and confirm card payments in online stores with Mobile key. With the consent of their guardians, the over-12s will also be able to identify themselves with Mobile key on services requiring strong identification, such as Studyinfo, MyKanta or Kela.