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Use your owner-customer benefit

As our owner-customer, you will get the OP Gold card free of monthly charges until the end of 2025.
Save even more flexibly with an account

You can save in the new Savings Account at your own pace and withdraw money without withdrawal limits or fees.
Forget stress and focus on your holiday

Continuous travel insurance covers you near and far, without worries or interruptions.
Take care of your personnel's tomorrow

Engage and reward your personnel with OP Group Pension. You can deduct the insurance premiums from your company's taxes.
” ” Time to wrap up entrepreneur's year and insurances?

Shop around insurances as soon as possible and start the year with peace of mind.

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

  • 12.12.2024 Taxation of OP bonuses will change in 2026 – Owner-customer membership continues to pay off
  • 10.12.2024 Insurance services for corporate customers in OP's mobile apps to expand
  • 9.12.2024 The OP Accounting Records Service offers you all your records with just one order
  • 2.12.2024 You can now apply for an Energy Efficiency Loan from OP
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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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