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Oma Säästöpankin asiantuntija

Frequently asked questions about customership

This page contains answers to common questions about our online bank.

OmaSp Customership

  1. Identity document

    To become our customer, you will need one of the following valid
    travel documents issued by a foreign authority. 

  2. Right of residence in Finland 

To prove your right of residence in Finland, you will need a valid residence permit card issued in the EEA (incl. San Marino and Switzerland).

You need a Finnish personal identity number to open and use banking services. To get a strong electronic authentication feature for online banking you have to verify your identity on a passport or identity card issued in the EEA.

In addition, before opening bankin services for you, we need your customer information and an explanation of your tax liability and your foreign tax number (TIN). 

When handling banking services with us, you need an authorized translator. A first-class customer experience is close to our heart.

As a customer, you are obligated to update your customer data and provide the bank with the requested information. This lets us serve you reliably and securely. The bank’s intention is to ensure that the customer receives secure banking services and to prevent irregularities. More information is available from this link.

Asiakkaan tunteminen

The bank must have sufficient information about its customers' financial activity, its scope and the grounds for using the bank's services. The bank's duty is to ask about its customers' financial status, tax liability and political influence. If necessary, the customer will be asked more information about the origin and intended use of the funds coming into the account, as well as documents that confirm the origin and intended use of the funds.

By requesting customer information, the bank's employee can assess the suitability of the product or service for the customer and at the same time meet the requirements set by the anti-money laundering and terrorist financing regulations. By acting in this way, the bank is able to understand the basics of its customers' usual activities and to detect and investigate unusual activities. The bank has a legal obligation to monitor the customer's use of banking services, so that the bank can detect any unusual or abnormal transactions and react to them.

Why does the bank ask

IBAN, i.e. the International Bank Account Number, consists of a country code in line with the ISO standard and an account number that can contain both numbers and letters. An IBAN account number always starts with a two-letter country code. In Finland the country code is FI. 

The BIC code is an ISO-certified code used as a unique identifier for financial institutions and companies or organisations. Oma Savings Bank’s BIC code is ITELFIHH.

The person you were trying to reach was busy or unable to get to the phone, which is why your call was transferred to our customer service.

You can also take care of your banking through our customer service. Our customer service’s direct number is +358 20 764 0600.

Your name will be updated automatically from the Digital and Population Services Agency’s Population Information System. We will supply you with a new card with your new name when we have received the updated information. Please note that it can take two to three weeks to update your name.

As a personal customer, your address information will be updated automatically from the Digital and Population Services Agency’s Population Information System after you have submitted a notification of move.

Service providers are responsible for the payment options they offer. Please note that you can always pay with your card if Visa is an option. Oma Savings Bank’s cards are a secure and easy way to pay for online purchases if the payment button is missing.

Oma Savings Bank’s collection department takes care of contacts concerning debt arrangements, corporate restructuring, collection or bankruptcy issues and measures such as applications for judgement, enforcement and bankruptcy matters.

We ask that you send all messages related to collection to the collection department’s email address: That way we can get the information to exactly the right expert as soon as possible, which will speed up the processing of matters related to debt collection. 

It is possible to choose the due date for the Visa invoice as the 15th, 24th or the last day of the month. You can send a message about the change of due date through your online bank or contact our customer service.

We cooperate with Forex Bank in currency exchange. When you need money for a trip, you can order travel currency without waiting in line and without an exchange fee at FOREX Bank's online currency service. You can log in to the service with OmaSp's online banking credentials.

When you make a currency exchange using OmaSp's payment card, you get a more favorable exchange rate and you can change the currency to euros without a service fee.

On Forex's website, you can check currency exchange points and reserve currency to be picked up at Forex's offices. You can also order currency to your nearest post office or directly to Helsinki-Vantaa airport.

OmaSp's branches do not have currency exchange services.

Currency service

Bank transfers are generally visible to the recipient during the same banking day, if the payment has been made and approved at OmaSp on a weekday before 12.50 PM. If the account transfer has been made at OmaSp on a weekday between 12.50 and 7.00 PM, the recipient will see the transfer on the next banking day. However, the registration of the payment to the recipient always depends on the payment times of the recipient's bank. Account transfers from Oma Säästöpankki to Säästöpankki are generally displayed in real time.