Owner-customer benefits
In addition to benefits for investors, you have access to additional benefits for investments in funds and savings through insurance, and you can invest in your OP cooperative bank’s Profit Shares.
- 0.35% of your fund and insurance assets as OP bonuses in 2025
As an OP cooperative bank owner-customer, you earn OP bonuses with monetary value from funds and savings through insurance. - Only owner-customers can invest in Profit Shares
By investing in Profit Shares, you benefit from your OP cooperative bank’s success. As an owner-customer, you can invest in Profit Shares whose return target for 2025 is 4.5%.
Benefits for investors – investments at permanently low costs
With us, you can always invest at a low cost – whether or not you are an owner-customer.
- Funds
Buying and selling units in almost all funds is free of charge.* This means that subscription and redemption fees are €0. - Saving through insurance
Additional investments under OP unit-linked insurance and changing investment products carries no fee. - Book-entry account and equity savings account
You can open a book-entry account and equity savings account free of charge at €0. With your equity savings account, you can trade without needing to pay any trading fees for the first 30 days. With your book-entry account, you can trade for the current quarter with a trading fee of 0.10% (minimum amount €5). - Low trading fees
You always have access to low prices, including a 1% fee ceiling for domestic equity transactions in your book-entry account. Equity transactions in your book-entry account from 0.05% (minimum amount €3) and equity savings account from 0.08% (minimum amount €3). - Stock recommendations and analyses
You have access to stock recommendations and analyses without any extra charge. To support your stock picking, make use of recommendations and extensive equity analyses of Finnish and foreign listed companies. - Invest in stocks without monthly charges
Almost all service packages of the equity savings account and the book-entry account carry no monthly charge. If you select an investor’s service package subject to a charge in your equity savings account, you will receive it without any monthly charge for the current and next month.
| Service package | Saver | Investor |
|---|---|---|
| Equity savings account | €0 per month | €9,99 per month |
| Book-entry account | €0 per month | €0 per month |
*Standard fees are charged for the following special common funds: OP-Public Services Real Estate, OP-Forest Owner, OP-Rental Yield, OP-Alternative Portfolio and OP-Private Equity.
