Our APIs go beyond banking

OP Developer Sandbox is now open. We are determined our APIs make OP the best partner for developers and fintech start ups.

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Utilise our data in these services

We are developing a range of API products that exceed traditional industry boundaries. As our collaborator, you will be able to create solutions utilising our expertise and customer base.

Banking logo

Banking is OP’s largest business segment providing customers with a comprehensive range of products and services. In the coming years, we will see a big shift in banking as the PSD2 obliges European banks to open their APIs. We consider this as a great opportunity to collaborate with FinTechs and start-ups in expanding the services we offer to our customers.

We provide corporate customers with financing, payment transaction and cash management services, investment services, and expert services related to business development. As a corporate partner, we seek to promote the success and internationalisation of Finnish business.

Accounts
Accounts

Account APIs provide read-only methods to access your accounts and transactions information.

Payments
Payments

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

Payment Highway
Payment Highway

The smoothest service for card payments and mobile wallets. Payment Highway APIs enable one-click payments and recurring charging in apps and on the web.

Open Payment Highway

Documentation

Mutual funds offer a convenient way of getting started with investments by packing a set of underlying assets into a single product. These assets can be for example stock exchange listed shares, bonds, or real estate. Wide selection of funds makes it possible for the customer to find the right solution matching his or her expectations of risk, desired return on investment, and intended holding period. Funds consist of carefully constructed set of investments and take away the need for you as a customer to spend time on managing the portfolio. The relative ease and simplicity of mutual funds have made them the most popular investment product on the retail market.

Our APIs for mutual funds open new possibilities to embed the concept of saving and investing as part of other service experiences. We offer a set of APIs allowing you to invest in funds, view your current ownerships and their development, as well as redeem ownerships. Unlike many other products, mutual funds do not have a minimum investment limitation, hence making it possible to accumulate savings over time also through very small one time transactions. Mutual fund APIs make investments accessible to wider customer groups with innovative new distribution arrangements.

Funds

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

Holdings

APIs for user's holdings information.

Documentation

OP’s strategy goes beyond financial services towards becoming a diversified services provider. Part of the strategy is to develop business models that will reshape markets in mobility.

By launching OP Kulku, OP took its first step in Mobility Services. Considering that customers expect more services in mobility, OP is seeking new ways to offer an even broader range of services to meet the high requirements of its private and corporate customers.

Branches

Find the nearest OP branch.

Documentation

Extending health and wellbeing to form OP’s fourth business line is an integral part of OP’s strategy. Apps that track health and fitness activity are becoming more and more popular among consumers.

In cooperation with OP’s partner companies, health and wellbeing business has great potential of improving customer experience, cost-efficiency and service availability. This is a great opportunity to collaborate with us in a field with huge customer potential.

Buying a home is becoming an experience beyond applying for a mortgage. OP provides services in home loans and insurance policies. They will be modernised by investing in digital and mobile service models.

Considering that customers expect more digital services, OP is seeking new ways to offer an even broader range of services to meet the high requirements of its private and corporate customers.

OP is Finland’s leading non-life insurer. In claims services, OP has partnership agreements with firms representing over 20 industries, such as healthcare services providers, car repair shops, building renovation firms and household appliance retailers. This ensures excellent customer experience, cost-efficient claims services of uniform quality and their easy availability.

Non-life Insurance aims to be the most innovative player in the sector and to modernise the Finnish non-life insurance business. This is a great opportunity to collaborate with us in a field that is undergoing constant transformation.

"Unique, refined data offered by developer-friendly APIs. Business partnerships for mutual benefit. That’s the kind of things we’re working for." Kirsi Saarikko, OP Insurance

Investing becoming automated – investment tips to be provided by a Facebook bot?

Investing becoming automated – investment tips to be provided by a Facebook bot? logo

Beyond PSD2: Taking APIs and Partnerships to the Next Level

Beyond PSD2: Taking APIs and Partnerships to the Next Level  logo

Open Banking Startup Partnership Program

Open Banking Startup Partnership Program logo

Start your collaboration with OP

Leave your contact details and kickoff your collaboration with Finland’s largest financial group. As our collaborator, you will get expert support in your API and Product development. We will keep you updated on new features in OP Developer.