RelatedAll e-walletsFinland

PivoPivo

Finland E-wallet Foreigners restricted Not a bank · not insured ★ 3.7
Open on official site ↗
OperatorOP Financial Group
Minimum top-upNo top-up; direct debit
Main feesUsually free for OP customers; cross-bank/FX depends on account.
Local bank neededMainly Finnish OP bank accounts
How to sign upWithin OP bank app — QR/P2P/bills
Sign-up timeInstant for OP customers
Data baseline 2026-10. Editor-verified, but rules change — confirm with the official site before applying. Data transparency →

About this wallet

OP bank’s mobile payment and smart-budgeting app with QR, P2P, bills and spending insights — a Finnish daily-payment staple.

!Not an independent bank. Pivo is OP bank’s payment app; funds come from linked OP accounts, not held by Pivo.

Can foreigners or tourists open it?

Limited. Needs a Finnish OP account; foreigners with one can use it.

Advantages

  • Free and integrated for OP customers
  • QR/P2P/bills in one
  • Useful spending analytics

Limitations

  • Mostly OP customers
  • Foreigners need local account
  • Low international use

What you need

  • Finnish OP account
  • OP mobile app
  • Phone

No top-up; direct debit｜Usually free for OP customers; cross-bank/FX depends on account.

How to sign up

  1. Enable Pivo in OP mobile bank
  2. Link account
  3. Pay/request via QR/phone
  4. Manage bills and budget

Limits & protection

By OP account tier

FAQ

Can a foreigner or tourist open Pivo?

Limited. Needs a Finnish OP account; foreigners with one can use it.

Do I need a local bank account or a local phone number for Pivo?

Local bank account: Mainly Finnish OP bank accounts. Items typically needed: Finnish OP account; OP mobile app; Phone.

What documents are required to open Pivo?

Typically: Finnish OP account; OP mobile app; Phone.

How do I sign up for and top up Pivo?

How to sign up: Within OP bank app — QR/P2P/bills (Instant for OP customers). Steps: 1) Enable Pivo in OP mobile bank 2) Link account 3) Pay/request via QR/phone 4) Manage bills and budget Fees: Usually free for OP customers; cross-bank/FX depends on account.

Are there limits on Pivo? Is the balance deposit-insured?

By OP account tier

Ready? Open it officially

E-wallet rules change often — always follow the latest instructions in the official app.

Open on official site ↗ We charge no fees and cannot guarantee approval — always apply through official channels.

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