OP Financial: digital health score 46/100
OP Financial sits in bottom third of UK banks, ranked 35th of 35 on our independent review of public digital signals.
The sector median is 66/100. Scores come only from public information, collected October 2026 for the Bank Digital Audit.
Scorecard
Four areas, each scored 0 to 100 against the bank average. Higher is healthier.
What we found for OP Financial
We reviewed OP Financial (op.fi) for the Bank Digital Audit, Credit Canary’s independent study of 42 UK banks built only from public information. OP Financial’s digital health score is 46 out of 100: the bottom third of the sector, and 35th of 35 overall. Measured across the set, OP Financial is 20 points below the sector median of 66. Its strongest area is accessibility, at 100 out of 100, ahead of the 91 bank average, so being usable for everyone, an Equality Act duty is already working. The biggest gain is in measurement: 0 against the 49 average, and the quickest way to climb the table.
On findability, OP Financial scored 88, just above the 82 average (showing up and making sense to Google). Mobile speed: 17 out of 100, 36 points below the 53 bank average. That covers how fast the site feels on a phone. For measurement, 0 out of 100 is below the 49 average: whether the firm can see what is working. Accessibility scored 100, 9 points above the 91 average, covering being usable for everyone, an Equality Act duty. The full breakdown, with the exact pages we tested and the fixes that would help OP Financial most, is in the free report.
Ahead of the 91 average.
Against a 49 bank average.
See also: The State of UK Banking Digital 2026 · all banks
Get OP Financial’s full report
The free personalised report shows every page we tested, how OP Financial compares across all 35 assessed banks, and a prioritised list of what to fix first.
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