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.

Customers of all Finnish banks can send and request payments in Pivo using just recipients phone number. Payments and requests will transfer in real time also to other apps using Siirto-payment system.

With Pivo you can easily pay your online store purchases in selected stores. Choose Pivo as a payment method, confirm the payment in Pivo and that’s it!

Pivo provides you versatile spending management and payment services

- Send and request payments without bank credentials
- Send and request payments to other apps using Siirto-payment system
- 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
- You can pay online store purchases with Pivo in selected stores.

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.