Nuori aikuinen voimistelee ja tasapainottelee yhdellä jalalla voimistelusalissa

As an owner-customer, you enjoy broad benefits and save more for other things in life

An owner-customer membership with the OP cooperative bank will bring stability to your daily finances. You will have access to various permanent benefits and discounts, thanks to which you will have to pay less for banking and insurance services.

In addition, you will get these fixed-term benefits until the end of 2025:

  1. 40% more OP bonuses compared to the normal level of 2022.
  2. 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:

  1. A Current Account
  2. Debit and credit cards, such as OP Gold
  3. OP's user ID, OP-mobile, the op.fi service and other digital services
  4. OP Account SMS, as of 1 January 2025

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 period of no monthly charges applies to all personal customer cards issued by OP, such as OP Gold.

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.

The most popular OP credit card for owner customers

OP Gold is more than a debit and credit card. It offers extra security for your daily life and benefits for travelling.As our owner-customer, you will get the OP Gold card free of monthly charges until the end of 2025.

Apply for OP Gold

 

More information about fixed-term benefits for daily banking services

 

By when should I become an owner-customer to use the benefit?

The benefit is effective during October 2023 – December 2025. If you become an owner during that period, you'll get the benefit from the month when you have become an owner-customer. Because of the timing of billing, you should be an owner-customer before the 25th of the month. If you become an owner-customer after that, you'll get the benefit starting from the next month.

How are the service charges for daily banking services be debited? From which month cannot I see debited service charges in my OP bonus account?

We will debit owner-customer service charges primarily from OP bonuses. Service charges will be debited one month afterwards, meaning that you can see debited service charges to your September OP bonus account in October. Considering that the benefit in service charges is valid from October 2023 to December 2025, debits from the OP bonus account will not be performed between November 2023 and January 2026. In OP-mobile, the bonus account can be found by selecting Customer info – Owner-customer / Owner Plus customer – Bonus account. In the op.fi service, the bonus account can be found under Daily finances, in the Accounts menu.

I have one card but would like to have a second card. Will I get the benefit for a new card too?

Yes, you will get the benefit for new cards that you have got during the validity of the benefit.

Will I get the benefit for corporate services too? I am an entrepreneur and an owner-customer as well.

Owner-customer benefits apply to personal customers. This means that the benefit is valid in your personal use of services (the services are linked to your personal ID). You your company uses services with its business ID, the benefit is not valid for these services.

The Current account is already now free of charge for owner-customers. Why a monthly charge has been debited from my Current account?

Current accounts are free of charge for owner-customers at their own OP cooperative bank. If the account has several holders, it will only be free of charge if all account holders are owner-customers of the OP cooperative bank holding the account.

Example calculations of OP’s credit cards

Example calculation for credit of OP Visa cards:

The effective interest rate calculated for used credit of 2,000 euros is 19,04% (10/2024). The calculation does not take into account the owner-customer's or other discounts. This calculation is based on the assumption that the card’s monthly charge is 2.95 euros and the monthly account service charge 3.50 euros, free of charge e-invoicing is in use, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2,186.80 euros.  


Example calculation for credit of OP Duo credit card:

The effective interest rate calculated for used credit of 2,000 euros is 20,40% (10/2024). The calculation does not take into account the owner-customer's or other discounts. This calculation is based on the assumption that the card’s monthly charge is 4 euros and the monthly account service charge 3.50 euros, free of charge e-invoicing is in use, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2,199.40 euros. 

Current Account, OP User ID and Digital Agreement and OP Account SMS are provided by OP cooperative banks. Cards are issued by OP Retail Customers Plc. Insurance is provided by Pohjola Insurance Ltd.