In addition, you will get these fixed-term benefits until the end of 2025:
- 40% more OP bonuses compared to the normal level of 2022.
- Daily banking services without monthly charges. The benefit includes a Current Account, bank and credit card as well as an OP user ID and digital service.
The benefits will come automatically if you are an owner-customer of the bank and use the products and services covered by the benefits. You can easily check the validity of your owner-customer membership.
If you’re not an owner-customer yet, you can become one by paying a member cooperative contribution, which is 100 euros in most banks. There are no other membership fees.
If you are an OP cooperative bank customer and have an OP user ID, you can become an owner-customer by logging in to the op.fi service.
If you are not yet an OP cooperative bank’s customer and you have another bank’s user identifiers, you can become a customer without visiting a branch.
Extra OP bonuses
As an 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.
For example, annual transactions of 100,000 euros would normally translate into OP bonuses worth 250 euros, but this year and next year, this will make approximately 350 euros.
Bonuses are earned, for example, from mutual funds, funds in savings accounts and secured loans. OP bonuses are used to cover insurance premiums, the bank’s service fees, and fees for legal services and OP Koti realty commissions, for example.
You can easily see your current bonus accrual on OP-mobile, for example: log in to the app and select Customer info in the bottom right corner.
Daily banking services without monthly charges
You will get a personal customer’s daily banking services without monthly charges until 31 December 2025 at the OP cooperative bank of which you are an owner-customer.
The benefit includes:
- A Current Account
- Debit and credit cards, such as OP Gold
- OP's user ID, OP-mobile, the op.fi service and other digital services
The benefit applies to individual products and daily services packages. The value of the benefit depends on the products and services you use. For example, the price of the daily services package for owner-customers starts from €3.95 per month and for owner-customers aged under 30 from €0 per month. The lack of a monthly charge applies to OP Basic, OP Debit, OP Classic, OP Gold, OP Platinum and OP Duo cards.
As an owner-customer, you will enjoy various benefits and discounts
As an owner-customer, you always get the most out of your banking and insurance services and the OP bonuses you earn. For example, you get interest on your Current account, you can invest at a lower price than others, and you can receive a sizeable discount on insurance policies. Our partner benefits will also bring joy to your everyday life. You can find them on OP-mobile.