Finland: OP Financial Group

For private customers: 

Q: How do I log in, using a private login, to OP Financial Group? 

A: OP offers web and mobile-based digital services:

For web-based online banking, you log in using the combination of:

1. An online service user ID, password and mobile key 
2. An online service user ID, password, key card list and SMS one-time password

For mobile banking, you can activate a mobile key which can be used with the online service user ID.

Q: Which of OP Financial Group retail products are accessible through PSD2?

A: All payment accounts where the user is the owner of the account.

Q: Any other information, relevant to private customers, I need to know?

A: AIS service might show accounts from which payments are restricted in all channels

For Business customers: 

Q: How do I log in using a business login? 

A: Similar to retail customers

Q: Which user credentials are needed for me as a business customer?

A: Business customers need to sign a separate contract for an online service user ID

Q: Which of your corporate products are accessible through PSD2?

A: All payment accounts accessible in OP's web and mobile bank.

Q: Any other information, relevant to me as a business customer?

A: It should be noted that you might not have the rights to initiate payments from the account, even in the bank's service. As a result, in the PSD2 channel you will only have access to the AIS service, but not to PIS/CBPII.

For OP Corporate customers:

If you are a corporate customer you need to keep in mind that if you are not the account holder, you will need additional access rights than the account holder (i.e. the company) to confirm requests sent by any registered/authorised Third Party Provider.

You can find instructions to the other access rights registrations on OP's website.

In English: https://www.op.fi/web/aspa/faq/corporate-customers/corporate-accounts

In Finnish: https://www.op.fi/web/aspa/ukk/yritykset/yritystilit

In Swedish: https://www.op.fi/web/aspa/vanliga-fragor/foretagskunder/foretagskonton

This information is based on communication between OP Financial Group and us. If you find contradictory information, please let us know.