Our APIs go beyond banking

Find new business opportunities and improve customer experience with OP’s best-in-class APIs.

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Create services in diverse fields


Traditional banking is going through a big shift as PSD2 obliges European banks to open their APIs. This is a great opportunity for us to collaborate with FinTechs and startups to think beyond banking and expand the payment and account services we offer our customers.


Accounts V3.0

Effortless access to account and transaction information.



Payment APIs allows you to initiate and confirm SEPA payments between participants.


Consumer Financing

Integrate consumer financing seamlessly into your online and offline customer experience.


Payment Highway

Payment Highway offers Finland’s best app payment experience. The APIs enable one-click payments and recurring charging in-app and on the web.

Wealth management APIs will transform saving and investing


We strive to make investing accessible to wider customer groups with new distribution arrangements. Our mutual fund and stock APIs allow your customers to trade OP’s mutual funds and in the coming weeks also stocks listed in OMX Helsinki, and track the value of their investments within your service.



APIs for user's fund information and creating redemption and subscription orders.



APIs for user's holdings information.


Financial Instruments

Trade stocks listed in Nasdaq Nordic.



Open new custodies for stock trading.

Mobility is a business field enabled by new technology and culture


New technology and a cultural shift are enabling more creative mobility services such as OP Kulku and DriveNow. Sharing economy permits expansive data which can be used for improving safety and reducing emissions linked to traditional transportation.



Branches API provides your customers with up-to-date information on the closest bank branches.

DriveNow Logo


DriveNow is a free-floating car sharing service in the capital area of Finland. DriveNow API allows users to see the real-time location and pricing of cars. More information on the API at api@op.fi.

We will be releasing APIs in diverse services


Reach the user directly with new health services.


Housing services that adapt to everyone's needs.


A seamless insurance provider that connects to multiple services.

Register now and start creating innovations

Access our APIs and sandbox environment

Collaborate with our advisors and business partners or join startup programs

Visibility and new business through our 4+ million customer base

PSD2 sandbox launched

PSD2 sandbox launched

Accounts V3.0 is live!

Accounts V3.0 is live!

OP's wealth APIs put to the test at Ultrahack

OP's wealth APIs put to the test at Ultrahack