OP-mobile is a convenient and secure app for managing your banking and insurance matters whenever and wherever you are. Beginning its use is quick and easy. Going everywhere with you, OP-mobile is in fact now the most popular daily transaction channel offered by OP!

OP customers can download and use OP-mobile free of charge and login with their online bank user identifiers.

OP-mobile enables you to:

• log in and confirm transactions with the Mobile key
• make transfers between your own accounts without confirmation
• pay bills using a barcode
• pay your friend or at an online store with the Siirto payment simply with a phone number
• view your account balance and salary data
• view your loan details and make extra loan repayments
• trade in stocks without confirmation
• buy insurance and view your insurance data
• file a loss report rapidly
• search for instructions and help in the case of a loss, damage or accident
• show your travel insurance card in the destination country's language
• increase the OP-Visa card’s credit limit

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 are screenshots blocked?
Answer: Screenshots may contain information subject to bank secrecy. Since screenshots are stored in the device's cache, sensitive information may remain there for a long time after you have logged out. All screenshots are blocked to help guarantee that the user's information is only shown to the user who is logged in.

Question: Why can't I use OP-mobile with Android Developer Preview versions?
Answer: We can only guarantee the secure operation of OP-mobile 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. Otherwise the use of OP-mobile in rooted devices is not prevented. For data security reasons, however, we recommend you to unroot your device.

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.
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What's New

The latest OP-mobile version includes login with the Mobile key which fulfils the requirements of the Payment Services Act. Now you can log in and confirm securely with the Mobile key!

The account transactions view, in turn, is now even more versatile. You can add your recurring income and see an estimate on how long your spendable funds will last, calculated based on your income and average spending.
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Additional Information

June 11, 2019
Current Version
Requires Android
5.0 and up
Content Rating
Offered By
OP Ryhmä
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