Online banking codes are an essential part of banking services today, and many people do their banking at an online or mobile bank instead of visiting a branch. Online bank IDs are also used when you need strong authentication, for example, for government services or for filling out a loan application online. Once you own an online banking code, it’s easy to get online, but how do you get one if you don’t have one in advance?

Online Banking ID History


In 1996, the Good Finance Bank pioneered the launch of Europe’s first online bank. Online Banking has revolutionized the way it used to be, and nowadays, instead of using a bank transfer envelope, an ATM or a telephone bank, invoices are now largely paid online or via smartphone. It may come as a surprise to many that paying with bills by phone is not just a novelty of the 21st century: For example, Good Lender used to have a telephone bank, which made it possible to pay bills using, for example, landlines. The consumer called the number provided by the bank and typed in the details of the invoice using the numeric keypad on the phone as instructed.

It is essential for the success and functionality of Netbank to keep the customer’s information secure and to ensure that the bank’s user is actually an account holder. Indeed, the term “Netbank” is often used to describe a cardboard passcode used as an adjunct to Netbank login. Paper access cards have been in use for years, but are slowly becoming more digital. Many banks are designing a digital authentication system and Good Lender already has an access code application and access device.

Online Banking IDs and Sure Authentication

Online Banking IDs and Sure Authentication

The Sure identifier is originally a method developed by Finnish banks to make strong electronic identification. There are three ways to do strong electronic authentication:

  • Mobile certificate
  • Citizens’ Certificate of the Population Register Center
  • Online banking IDs

However, online banking is the most common way to do strong authentication. If you have an online banking account, you must have logged in with your online banking account at least once outside of online banking. 

Part-payment contracts or online loans offered in connection with an online shop also require authentication using online banking codes.

Availability of online banking codes

Availability of online banking codes

Since the banks that provide the online banking codes, you also have to obtain the codes from the bank. If the applicant does not have Finnish online banking codes ready, they must be obtained from the bank branch. According to the bank branch, you will need an official ID.

Also, those who have a payment default label can now receive their online banking codes. The change of law that came into force at the beginning of 2017 made it possible for all consumers legally resident in Finland to obtain online banking codes. By law, everyone must have access to basic banking services such as checking account transactions, receiving e-invoices, and paying bills. If your credit information is incomplete, online banking IDs may be issued on a lighter basis so that not all banking services, such as investment, are provided online. However, online banking IDs allow strong authentication where Sure authentication is required.

Loss of Online Banking Numbers

If your online banking ID is stolen or lost, you should contact your bank immediately. Many banks offer a card and bank account locking service, which can be called 24 hours a day and can close an exported or lost payment instrument. Also, be sure to report a crime if your IDs are lost as a result of criminal activity.

Banking services are increasingly moving into the digital world, and at the same time, branch office services will be reduced or branch offices closed down. This is in itself a good reason to get an Internet Banking ID if one does not already exist. In addition, online banking codes can streamline online transactions and regulatory transactions. However, if you already have an online banking account, make sure that your bank’s service plan is right for you: