Currency Account for Private Customers

An account for, say, dollars, pesos and pounds

If you get money regularly from outside the euro area or make recurring non-euro payments, it pays to open a Currency Account.

  • You can open an account for each currency.
  • You open the account at a member cooperative bank branch, free of charge.

The value of funds in the account varies with foreign exchange rates.

Funds in the Currency Account generate OP bonuses. Learn more under the section ‘Owner-customer benefits and OP bonuses through banking services’!

Private Customers – General Terms and Conditions for Accounts
Owner-customer's OP bonuses and benefits from banking services

As an OP cooperative bank owner-customer, you get OP bonuses that decrease your banking and insurance service charges. As an OP cooperative bank owner-customer, you get 40% more OP bonuses compared to the normal level of 2022. We will continue the familiar benefit until the end of 2025.

OP bonuses come from

  • funds in savings accounts
  • home loans, student loans and secured bank loans
  • mutual fund units and unit-linked insurance
  • paid insurance premiums, such as home and motor vehicle insurance and continuous travel insurance.

OP bonuses are tax-free. Because of that they are automatically used for loan service and origination fees and insurance premiums, among other things.

Read more about OP bonuses

As an owner-customer, you also get significant benefits and discounts. For example, you will get daily banking services without monthly charges until the end of 2025 and interest on your Current Account. Furthermore, you'll enjoy lower saving and investing costs than usual.

See all owner-customer benefits


The account is provided by OP cooperative bank.