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Due to maintenance work, there could be occasional service breaks in OP's digital services, identification and online payments from 4.00 to 8.00 on Sunday 12 January. The maintenance work will have no effect on payment card functions or cash withdrawals. We apologise for the inconvenience.

Extra owner-customer benefits continue in 2025

As an owner-customer, you'll get 40% more OP bonuses than normal and daily banking services without monthly charges.
Energy Efficiency Loan from OP?

You can get a lower loan margin
Health insurance for children

Children get into all sorts of trouble. With child insurance, you avoid waiting in line and paying sudden treatment expenses.
Sustainability Training for SMEs

We offer SMEs the opportunity to participate in the Finland Chamber of Commerce's Sustainability Training at a 50% discount. The training will be in Finnish.
” ” A brave entrepreneur deserves a suitable cover

Entrepreneurship is more demanding than ever – let us help you plan the insurance policies for your company for a more carefree everyday life.

OP’s banking services

  • Become OP’s customer

  • Become OP’s corporate customer

  • Owner-customer benefits

  • Savings calculator

  • Loan calculator

Pohjola Insurance services

  • Insurance for private customers

  • Insurance for corporate customers

  • Request an offer for several insurance products

  • Did you encounter a loss? Navigate to Claim Help

  • Learn more about Pohjola Insurance

What's new

  • 3.1.2025 Changes in personal customers’ terms and conditions and charges and fees as of 1 April 2025
  • 20.12.2024 Right now: Don’t download applications through links
  • 19.12.2024 Right now: Scammers are using new telephone schemes – how to identify them
  • 12.12.2024 Taxation of OP bonuses will change in 2026 – Owner-customer membership continues to pay off
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Health insurance that meets your needs

Choose the covers you need against illness and accident and buy health insurance online.
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Pay or request money with the Siirto payment

Pre-Christmas party or jointly bought Christmas present? Divide up year-end party expenses conveniently with Siirto. Read how you can activate Siirto.

More benefits as an Owner Plus customer

You get all the benefits of OP cooperative bank owner-customers as well as your own contact person who can advise you with loans or savings and investments.

Most used banking services

  • Home loan

  • Best deal on your home loan

  • Student loan

  • Car loan

  • ASP loan

  • All loans

  • Cards and card use

  • E-invoice

  • Mobile Money

Most used insurance services

  • Car insurance

  • Motor liability insurance

  • Motorcycle insurance

  • Home insurance

  • Life insurance

  • Health insurance

  • Baby insurance

  • Dog insurance

  • Request an insurance offer

Saving and investments

  • Funds

  • Index funds

  • Stocks and investing in stocks

  • ETF investing and ETFs

  • Saving through insurance

  • Owner-customer benefits from saving and investment

  • Where should you invest in right now?

  • OP Investment Partner

  • Profit Share

Most used corporate services

  • Cash management

  • Netbank for corporate customers

  • Start investing

  • Merchant services

  • Working capital

  • Services for entrepreneurs

  • Insurance for entrepreneurs

  • Liability insurance

  • Workers’ compensation insurance

  • Corporate loan

Digital services

  • OP-mobile

  • OP Business mobile

  • Electronic Signature Service

  • OP Home

  • Siirto payment

  • Wealth management

  • OP Forest and OP Forest Appraisal

  • OP Smart Contracts

  • OP Self-employed service

  • Do the following in the case of fraud

Tools and calculators

  • Pohjola Claim Help

  • Loan calculator

  • Home loan calculator

  • Savings calculator

  • IBAN calculator

  • Insurance calculator

  • Motor vehicle insurance calculator

  • Reference calculator

  • Bonus calculator

  • ETF search engine

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