OP-mobile

OP Ryhmä

About this app

OP-mobile is an easy and secure app for managing your main banking and insurance, wherever you are. You can also have your company’s banking services at hand. You can use Mobile key to identify yourself for OP's digital services and public services, and confirm payments for online purchases.

Frequently Asked Questions

Question: Why does OP-mobile ask permissions to use my device's other applications, such as contacts, camera or phone?
Answer: Here's why OP-mobile needs permissions, by application:

• Contacts: to get the payee's phone number for a Siirto payment
• Location: to locate the nearest branch office and Otto ATM and to provide directions
• Phone calls: to enable you to call directly from OP-mobile the customer service numbers of OP's banking and insurance services
• Photos/Media/Files: to save receipts of payments and account transactions from OP-mobile to your device
• Camera: to scan a bill's barcode
• Phone status: because using the Mobile key requires device information.

Question: Why can't I use OP-mobile with the Developer Preview, LineageOS or other unofficial operating systems for Android?
Answer: We can only guarantee the app's secure use for officially released Android versions.

Question: Why doesn't fingerprint authentication work in my device?
Answer: In some devices, possible shortcomings in fingerprint functionality implementation may prevent enabling fingerprint authentication on OP-mobile.

Question: Where can I find my salary data?
Answer: To view your salary data on OP-mobile, go to Money > Accounts and cards >Salary data.

Question: My device is rooted. Will OP-mobile function normally on my device?
Answer: Use of the Mobile key and fingerprint authentication is prevented in rooted devices for data security reasons.

Question: Why does Google Play say that OP-mobile is not available in my country even if I am in Finland?
Answer: Google determines availability of apps based on the country setting of the user's Google Account. If the country setting is other than Finland, OP-mobile is not available.

Question: Why is OP-mobile not available outside Finland?
Answer: You can download OP-mobile from the app store in a restricted range of countries. OP-mobile is available in the EU and EEA countries. The General Terms and Conditions for OP User IDs and OP eServices define that the OP user IDs and digital services are meant to be used in the Finnish market, and that the laws of Finland apply to this agreement. In practice, US Export regulations prevent us from displaying the application worldwide. In addition, there are countries where it is not allowed to make the application available.

Ratings and reviews

UPDATE1: 1 star because apparently this can't be used on a rooted or open source operating system. UPDATE2: Adding one star because dark mode was added. Thanks for adding it! Still missing possibility to use on open source OSes, also investments section is missing view for past/ongoing transactions for e.g. investment funds. UPDATE3: Removing a star because can no longer take screenshots. UPDATE4: Cannot give more than 1 star for security reasons.

Has been working quite well, but updates tend to make it worse. The latest negative surprise was that it does not allow screenshots any more. Now a browser session must be used to capture the screen, which is clumsy and less safe than using the app.

Very nice and usable app, it has improved quite well over time and has been well taken care of. Something that's missing that would make it better is to be able to use a fingerprint to accept payments instead of the pin code. At the very least make the custom number keypad less obvious (or make it a setting) when pressing the numbers. It makes the pin code less secure to use on the go as anyone can easily see it.