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OmaSp:n asiantuntija Saara-Sofia Nieminen

Welcome to our corporate customer

On this page, we have collected the most important things related to the transfer of your customership. Your customership will be transferred in autumn 2024. We want to make customer transfer as effortless as possible. We update actively this Q&A section to answer questions related to customer transfers.

The following company services will be transferred to OmaSp:
- Accounts and deposits
- Payment service contracts
- Corporate online banking – with OmaSp, you will have access to mobile banking in addition to corporate online banking
- Loans inclusive of collateral

Questions and answers concerning measures required from software companies due to the merger of Handelsbanken and OmaSp can be found at the end of this section.

Commonly asked

Asiantuntijamme pankin kassalla.

The customership will be transferred in autumn 2024. We will keep you informed about the transfer of your banking services and you will receive more information step by step.  
 

You have received first bulletins at the beginning of year 2024, where we provided more detailed information related to the transfer of the customership. Right now, there is no need to do anything.

The monthly service fees for the services transferring from Handelsbanken will remain unchanged in connection with the transfer. If your company requires new services, we are happy to chart your additional service needs together with you. For possible new services and in-branch services, we will charge a fee based on the service price list.

Your company's deposits in Handelsbanken are currently covered by the Swedish deposit guarantee scheme. Deposits transferred to OmaSp after the completion of the transaction will be transferred to be reimbursed from the Finnish Deposit Guarantee Fund. Deposit guarantees are very similar in Finland and Sweden. 

Foreign exchange accounts, securities brokerage and custody services, including book-entry accounts, bank guarantees, derivatives and international cash management services, such as Global OnLine, are excluded from the transaction. You will receive more information on these later.

Accounts and deposits

Pankin asiantuntija palvelemassa asiakasta palvelupisteellä.

The company's accounts and deposits will remain unchanged and will be transferred to OmaSp in autumn 2024 automatically. 
We will inform a more specific date in early 2024.

The transfer of services from Handelsbanken will have no impact on services that were already provided by OmaSp. However, it is advisable to book an appointment to go over the situation at the branch when it suits you.

Yes. Account numbers will change in connection with the customer relationship transfer.

You will be informed of the new account number in a letter to be sent later in the spring.

You can see the old account transactions in your new online bank as of 1 January 2023. If you require older account transactions or account statements, please contact your nearest branch.

The account’s interest rate conditions will remain the same in connection with the transfer.

The deposit will transfer to OmaSp with the same terms and conditions.

Currency accounts are not included in OmaSp’s offering

Cards

Oma Säästöpankin konttori

The existing cards linked to the company’s account will be replaced by OmaSp Visa Business Debit cards. You will receive the new cards well before the customer relationship transfer. As OmaSp’s customer, it is also possible for you to get an OmaSp Visa Business Credit card.

You can apply for a new Visa Business Credit card after the customer relationship transfer.

As a general rule, your security limits will remain unchanged if you have already set them on your current Handelsbanken card. As a new security limit, you will have the possibility to allow or block gambling on your card. In connection with the merger, gambling is blocked, but you can make changes to your security limits to suit your needs in OmaMobiili, in the online bank’s browser version or by contacting your branch.

If you have not set separate security limits on your Handelsbanken card, the default security limits will be set on your card. For security reasons, these limits are moderate. After the merger, be sure to set your own security limits to suit your daily needs!

You can also update all your security limits on your smart device in OmaMobiili by selecting Finances > Cards > Select a card > Settings > Restrictions on use > Make changes > Confirm changes. Also check the geographic limits of your card.

For security reasons, the card and the card’s code will be sent separately to the card holder’s address. With the card, we will send you instructions on how to start using the new card.

Your new card will be sent to your overseas home address if you have provided that address to the bank.

You will receive the new card during summer, well before the customer relationship transfer.

You will receive a new PIN code with your new OmaSp card, and the card’s number, validity and other information will be updated following the merger. Be sure to update your new card’s information in the streaming services you are using.

You will automatically receive a new PIN code and you cannot change it. You can conveniently check the PIN code in OmaMobiili if you forget the code.

You can conveniently check your new card’s PIN code in OmaMobiili: Finances > Cards > select the card in question > Settings > See PIN code.

You can cancel your new OmaSp card by cancelling your card agreement at Handelsbanken before the customer relationship transfer or thereafter by contacting OmaSp’s customer service or branch.

Your new OmaSp card will work after the customer relationship transfer. We will send you a separate text message to let you know that you can use your new card.

Be sure to update your new card’s information in the paid apps and streaming services you are using (incl. audiobook services and TV). You can notify the service provider of the new card’s information or you can enter it in the app yourself after you have activated the card.

All OmaSp’s payment cards can be linked to Apple Pay and Google Pay apps. You can pay purchases conveniently on a mobile device in a store or online.

If your new OmaSp payment card is lost or stolen, call the card blocking service at the number 020 333 (+358 20 333 from abroad) as soon as possible.

Payment service

Google Pay puhelimen näytössä

The payment transaction agreements used by your company will be transferred to OmaSp.

You must inform your accounting firm, customers, service providers and any other partners of the changed account number and BIC information. If you take care of your payment transactions yourself, be sure to update the changed account number and BIC information also in the bank connection software you are using. If your company has an online invoicing agreement with the bank, the online invoice operator will change to ITELFIHH. Please inform all relevant parties of the new online invoice operator.

The direct debits that come through e-invoices will transfer, but if your company uses SEPA direct debits with another party, your company must update the new account numbers/BIC information in the agreements. The changed information will not be automatically updated for SEPA direct debits.

Euro payments from the European territory will automatically transfer to the new account for three months after the transfer. To avoid any delays, inform the payer of the new account number and BIC information. The above-mentioned payments will still have reference numbers.

Direct debits from the European territory (SEPA direct debit) will not transfer automatically to the new account. See question “Will the direct debits linked to the account transfer automatically?”

After the customer relationship transfer, foreign payments, Finnish and European instant credit transfers will be returned to the payer if the account number in the payment is the old Handelsbanken’s account number.

Euro payments from the European territory will automatically transfer to the new account for three months after the transfer. To avoid any delays, inform the payer of the new account number and BIC information. The above-mentioned payments will still have reference numbers. 

Direct debits from the European territory (SEPA direct debit) will not transfer automatically to the new account. See question “Will the direct debits linked to the account transfer automatically?”

After the customer relationship transfer, foreign payments, Finnish and European instant credit transfers will be returned to the payer if the account number in the payment is the old Handelsbanken’s account number.

Your payment transaction prices will remain unchanged.

Remember to inform your accounting firm of the changed account number and BIC information. 
If your company has an online invoicing agreement with the bank, the online invoice operator will change to ITELFIHH. Be sure to inform your accounting firm of that too.
The service identifier for payments (Outgoing payments agreement), i.e. the payment identifier will remain unchanged, and it will be possible to make payments using the current payment identifier also after the customer relationship transfer. Please note that the account number and BIC information will change in payments.

If the accounting firm has taken all the necessary measures before or in connection with the customer relationship transfer, the connections will work.

You must change the account number and BIC information to your software before or in connection with the migration, depending on the software’s characteristics. If your company has an online invoicing agreement with the bank, the online invoice operator will change to ITELFIHH. Please be sure to change this information in your software before or in connection with the customer relationship transfer.

...so where do we send the file? Should the debit account number be the new account number?


If the customer relationship transfer takes place on the last day of the month, which falls on a weekend, the payment will take place on the preceding banking day. In that case, you must submit the wage file to the bank on the day preceding the payment day. You will submit the wage file as before, i.e. to Handelsbanken. If the payment takes place before the customer relationship transfer, the old account number must be stated in the file.

Can I use the existing account number and trust that those invoices will also be paid?


In connection with the customer relationship transfer, the account number will be changed for dated payments, i.e. the payments will be paid on the specified due date from the new account.

The files can be retrieved for 40 banking days if the connections work.

After the customer relationship transfer, the new account number and BIC information must be changed in the invoice templates. If your company has an online invoicing agreement with the bank, the online invoice operator will change to ITELFIHH. Be sure to update your invoice templates with that information too.

For the customers that remain at Handelsbanken, you will take care of contacts with the customers the same way as before.

Online banking and OmaMobiili

Oma Säästöpankin asiakkaat

Yes. The online banking agreement will be transferred. 

Yes. OmaSp's mobile app is called OmaMobiili.

The online banking codes will remain unchanged, unless you have been notified otherwise.

You will have access to OmaSp’s online bank and mobile services after the customer relationship transfer. Your online banking codes will remain unchanged, unless you have been notified otherwise. When logging in to the online bank on a computer, you can find the login button on our home page at www.omasp.fi.

By downloading the OmaMobiili and OmaVahvistus apps from your app store, you can take care of your banking matters easily by phone or tablet regardless of time and place. You can use the OmaVahvistus app to authenticate yourself, and it is an easy and safe way to confirm transactions. When activating the app, you will set your four-digit PIN code yourself. You can also use the OmaVahvistus app with a biometric identifier if this is supported by your device. 

Make sure you have your key code card, online banking user ID and password and the additional text message confirmation. You will need them to open the OmaVahvistus app. 

If you have forgotten your password, you can activate the service for unlocking locked online banking codes before the merger in the online bank’s browser version using an identification app. 

Detailed instructions for activating the OmaVahvistus app:

https://www.omasp.fi/henkiloasiakas/digitaaliset-palvelut/tunnistautuminen-ja-vahvistaminen/omavahvistus 

more aboutt the OmaMobiili app: https://www.omasp.fi/henkiloasiakas/digitaaliset-palvelut/digiasiointi/omamobiili

Please make sure that you have activated the additional text message confirmation service in the online bank’s browser version when activating the OmaVahvistus app. You need the additional confirmation only when downloading the OmaVahvistus app for the first time or when re-downloading the app. If you do not have a smart phone, you need the additional text message confirmation service to confirm payments. 

You can read more about the topic: https://www.omasp.fi/henkiloasiakas/digitaaliset-palvelut/tunnistautuminen-ja-vahvistaminen/lisavahvistaminen

 

To ensure secure online banking, be sure to write the entire address of the bank’s website in the browser’s address field and go to the online bank only through our website or using the OmaMobiili app.

You gain access to the mobile bank using the company’s online banking codes. Make sure you have your key code card, online banking user ID and password and the additional text message confirmation. You will need them to open the OmaVahvistus app.

Loans and deposits

OmaSp:n asiantuntija

In connection with the transaction, the loans and credits attached to the accounts will be transferred on the current terms. 

The collateral provided as collateral for transferred loans and overdrafts will also be transferred.

Yes, the loans will transfer with the existing terms and conditions.

Yes, Handelsbanken’s prime interest rate will apply to the loan.

The loans and credits linked to accounts will transfer to OmaSp with the existing terms and conditions and collateral.

For software companies

Oma Säästöpankin asiantuntija

The WS connection agreement will be transferred from Handelsbanken to OmaSp unless the customer is otherwise informed. The user ID, digital certificate and channel number of the WS connection will transfer to OmaSp. The transfer of the digital certificate means that the customer will continue using the digital certificate issued by Handelsbanken in OmaSp’s WS connection. Each software provider must assess the impacts of the digital certificate’s transfer with respect to the software they offer. Handelsbanken’s digital certificate must be changed to OmaSp’s digital certificate later, after the transfer.

The account numbers and BIC code of transferring customers will change in connection with the transfer. OmaSp’s BIC is ITELFIHH. The customer must be informed that they will be able to use OmaSp’s account number only after the transfer.

The services for a transferring customer will be transferred to the software company’s current WS connection in the OmaSp/Säästöpankki group.

The online invoicing agreement will transfer to OmaSp. The customer’s online invoicing address will remain unchanged at OmaSp. The online invoice operator will change, however, and the operator code will change to ITELFIHH after the transfer.

The service identifier for payments (payment identifier) of transferring customers will remain unchanged. When paying, however, be sure to note that the account number and BIC have changed. 

Customers can retrieve material that was created in Handelsbanken on OmaSp’s WS connection before the transfer date for 40 banking days from when the material was created.

After the transfer, OmaSp’s material codes (material type codes) will be used in the WS connection. The service descriptions for Handelsbanken’s and OmaSp’s payment services are the same, with the exception of the account transaction query. 

OmaSp’s and Handelsbanken’s service descriptions can be found here: https://samlink.fi/fi/ohjelmistopalvelut/. 

All Handelsbanken customers may not necessarily be transitioning to OmaSp. Customers who are transitioning will be notified by letter that their services are moving to OmaSp. In the letter, customers will be instructed to contact their accounting office/service provider. This way, software companies can obtain information about which customers are transitioning.

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