OP business account 2026: price list and monthly fee

The cheapest OP plan (Yrityksen palvelupaketti (business service package)) costs €12.90 per month (starting price). OP states the price as from €12.90/month (October 2026). Components: business account €2.50, statement €0.90, OP Business Debit €3.50, receiving e-invoices €0.00 and digital business services €6.00/month. Per-transaction charges (invoice payments, e-invoices, Web Services) are charged separately according to the price list. No opening fee for an application made online; an opening fee may be added to one made at a branch. The page does not say whether the price includes value added tax. The service package is offered by the local cooperative bank.

Yes. An online application (about 20 min) works for an adult with signing authority when the company is an active sole trader or limited company, liable to tax only in Finland and with a business ID (Y-tunnus); identification with the credentials of any Finnish bank. OP says it automatically checks the credit information of all company representatives from Suomen Asiakastieto's register, but does not say outright whether a payment default entry prevents opening. Housing companies, real estate companies, registered associations, road cooperatives, joint-ownership associations and pharmacies cannot open an account online, but by appointment at a branch. The account of a registered association is opened by a signatory who is an OP customer.

Yes. The package includes an e-invoice address. OP says that payments, invoicing and financial monitoring are handled in op.fi and the OP mobile app. Service in Finnish, Swedish or English.