OP-mobile

OP Pohjola

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

Banking authentication looks being intentionally made hard to use. The app doesn't allow authenticating with boimetrics, you are forced to use yet one more PIN 👎 Web authentication intentionally does not record your id, you are forced to remember 7-digit number 🙄 (while any attacker reads it from the browser immediately anyway). OP likely says "this is for your security", which shows utter incompetence, fortunately other banks understand it.

It's bad ... My old phone have just die..... So after attempting to log in from new phone - I can't use mobile key from old one.... And log in with id just doesn't work 🤦🏻 NFC doesn't read anything from chip from id card 🤦🏻(phone NFC work fine). No any manual mode🤦🏻 No option to log with phone number and own bank logins and passwords 🤦🏻🤦🏻🤦🏻 Now I have to go to city ~46 km away just to log in to own bank service 🤦🏻🤦🏻🤦🏻🤦🏻 Also very poor app functionality itself (((( that's sad.

Hi, I'm a user of your Android banking app. Unfortunately, the app doesn’t work on my device and displays an error message. It appears that your app is using Google's Play Integrity API to block usage on operating systems that are not certified by Google. This measure does not improve security, as Google certification of the operating system does not contribute to that. Very old devices with serious, unpatched vulnerabilities still pass these checks, while GrapheneOS, the operating system. -T

What’s new

We're continuously improving OP-mobile. Download the latest version of the app from your device's app store to get updates and to use new features.