Frequently asked questions about online bank

By using the opening service of the online bank you can open your online bank if it is locked due to an incorrect or forgotten password. The implementation of the opening service and its usage is free of charge. 

You can start using the opening service in your online bank by following the instructions below:

• Log in to online bank and select 'Oma nimesi' (your name) at the top 
• Select 'Lukkiutuneiden verkkopankkitunnusten avaus'
• Add you phone number 'Lisää puhelinnumerosi'
• Activate the service 'Aktivoi palvelu käyttöön'

If your online bank is locked due to an incorrect password, the text 'Verkkopankkitunnuksesi on lukittu. Voit avata ne tästä.' will appear on the online bank's login page. You can use the link to unlock it when you have the opening service of a locked online bank in use. Please follow the instructions below.

1. Select 'Voit avata ne tästä.'
2. Enter your personal identity code in format ddmmyy-xxxx or business identity code in format xxxxxxx-x.
3. Enter your username.
4. Enter the verification code you received on your phone.
5. Enter the security number of the key code card that the system requests.
6. Select 'Avaa'.
7. You will receive a notification 'Käyttäjätunnuksen avaus onnistui'. (The opening of the username succeeded).

You can open your personal online bank via an opening service link, which you can find when logging in to the online bank. The link to the opening service is visible if the service is in use and the online bank has been locked due to a wrong password.

To unlock your online bank, you can also visit your nearest branch or provide strong identification in our customer service, either at the number +358 20 764 0600 or in our website’s chat service, using another Finnish bank’s personal banking codes or a mobile ID. When you visit our branch, please remember to bring a personal ID, which can be either a passport or a personal ID card.

The barcode scanner has been changed due to accessibility requirements. New instructions for using the barcode scanner:

• Click on the "lue viivakoodi” button
• In the window that opens, click on the "viivakoodi" field
• Scan the barcode with the scanner

Activate a new key code card before your current key code card runs out. You can also activate a new key code card when you are logged in to the online bank with the OmaVahvistus app. You will receive a new key code card by post well before the old one runs out and your online bank will remind you to switch to the new one. 

Follow these instructions:

Activate a new key code card in your online bank from the "Asetukset" gear icon next to your name and select ”Vaihda avaintunnuskortti”. If the card is not activated in time and your online banking codes are locked, please contact the bank. We are happy to help you. If you have personal bank credentials to another domestic bank or a mobile certificate, we can activate a new key code card in our customer service after identification.

Account statements can be found in the online bank’s top menu under Tilit ja kortit -> Verkkotiliote.

The online account statement is a digital version of the paper account statement. Each month’s online account statement appears automatically in your online bank on the day immediately following the account statement period’s cutoff point. The printed online account statement is an official document just like the paper account statement, and is approved by the Tax Administration and Kela, for example.

The online account statements are automatically archived in your online bank and you can easily find all of the online account statements you have received this year and in the previous year all in one place. Tilit ja kortit -> Verkkotiliote. If you need older account statements, they are available in the online bank for an additional fee.

From OmaMobiili you can find the online account statements from current and previous year free of charge as well, underTalous -> three dots in the upper right corner -> Verkkotiliotteet.

When you use the key code card to make payments or to log in to your online bank, an additional authentication is required by text message. The additional authentication service is also required in registration of the OmaVahvistus app.

When you log in to your online bank in a browser with a key code card you can enable the additional authentication service upon logging in. The online bank offers the service automatically when you log in, if you don't use the service yet.

If you log in to your online bank in a browser with OmaVahvistus app, the online bank doesn't offer the service automatically. You can start using the additional authentication service by selecting “Ota lisävahvistaminen käyttöön” under your name.

Check whether you have copied an old transaction from before 28 October 2018 as a template for the new payment. This would mean that the wrong, old account number has been copied as the debit account and it is not possible to make payments with an old account number. By clicking on the debit account, you can choose the new debit account’s number for the payment template.

If you also have personal online bank credentials of another Finnish bank or a mobile certificate provided by the telephone operator for identification purposes, you can reset OmaSp's online bank password by contacting our customer service by phone at +358 20 764 0600 or in the chat on our website.

If you cannot identify yourself with another bank's credentials or mobile certificate, you must go to the nearest OmaSp branch to reset your password. At the branch, remember to bring a valid identity document, i.e. passport or identity card.