Download Pivo to your phone. With Pivo you’ll spend wisely and pay easily.

Pivo is a smart wallet on your mobile. It keeps your important banking information, payment cards and details of your favourite stores always safely with you. You’ll know what you can afford and your daily spending will be in control.

Pivo on your phone is now the handiest payment instrument in the world.

Make purchases simply by swiping your phone! Pivo is now accepted as a payment instrument in all stores with a contactless-enabled payment terminal. Pivo's payment feature is available for all Android phones supporting NFC. To be able to pay with your Pivo app, you need to have an OP-Visa Debit Mobile card activated on Pivo. Customers who are at least 18 years old and already have one of OP's debit cards, OP-Visa combination card or OP-Visa Electron, can order an OP-Visa Debit Mobile card on Pivo using their OP online user identifiers.

K-Plussa feature is now linkable to your OP Visa Debit mobile card. Once K-Plussa is linked to your mobile card, you will earn K-Plussa points when paying with Pivo contactless payment.

You can send money to someone using just their phone number. Customers of all Finnish banks can send and receive Pivo payments.

Pivo provides you versatile spending management and payment services

- Send payments without bank credentials
- Know your transaction history, view your history and predict the future
- Check your balance with 4-digit PIN-code
- Pivo notifies you when your card is charged

Kids have their own app, Pivo Junior. Kids aged between 10 and 17 years, who have their own OP Visa Electron payment card, can check their bank account balance on Pivo Junior. The app needs to be activated with the parents online user identifiers. The parent can follow the kids spending from the parents own Pivo.

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