Owner-customer benefits from saving and investment

Starting to save and invest could be the most financially rewarding decision in your life. As an OP cooperative bank owner-customer, it is worthwhile investing because of lower cost. The more you invest, the more you make use of benefits.

Did you know that, in 2024, you’ll get 40% more OP bonuses from mutual funds and insurance assets?

 

As an owner-customer, you invest in stocks with no monthly charges

You are entitled to a discount on monthly charges for the service packages of the equity savings account and the book-entry account. All benefits and discounts are automatically available to you.

Service package Saver Investor
Equity savings account €0 /mo (normally €2.99/mo) €9.99 /mo (normally €14.99/mo)
Book-entry account €0 /mo (normally €2.99/mo) €0 /mo (normally €5.39/mo)

Invest in Profit Shares

A Profit Share is an investment in your OP cooperative bank’s equity capital. As an owner-customer, you can invest in your bank and earn competitive interest on your investment.

Become an owner-customer

Remember to make use of all benefits. Check the status of your owner-customer membership or become an owner-customer.

Investment services are provided by OP cooperative banks. OP mutual funds are managed by OP Fund Management Company Ltd. OP Unit-linked insurance is issued by OP Life Assurance Company Ltd, with OP cooperative bank acting as its agent.

*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. 

**Switch between insurance investment instruments in digital channels €0.

***OP bonuses are automatically used to pay the bank’s service charges and insurance premiums. You earn OP bonuses from unit-linked insurance policies, excluding individual unit-linked insurance policies and Individual Capital Redemption Contracts. The principles of contribution towards OP bonuses from funds linked to insurance assets will be harmonised with direct investments. The following funds linked to insurance assets will no longer contribute towards OP bonuses: third-party funds such as JP Morgan funds, structured loans and institutional class funds such as OP-World III A.