Banking services for people over the age of 18

Many things change when you turn 18 – including your banking and insurance matters. As an adult, you are now in charge of your finances. If, for example, a bank account or a mutual fund account has been opened for you earlier as a gift, you will get full control of them.

Your guardians' access rights will be automatically removed from your Current Account, but you can return the rights if you wish. After this, you can still manage the access rights for your other services as well. You should discuss this together to ensure that you continue to get any support you need for banking.

Your card will be renewed automatically

If you already have a card, it will expire four months from your month of birth. However, the card will be renewed automatically so you don’t need to place a separate card order.

If you wish, you can change the card design or PIN free of charge. You will receive a notification in the card details in OP-mobile and the op.fi service when these changes can be made. If you do not have an OP user ID, you can contact the Customer Service for any changes.

We are always here to help

We support you in taking care of your finances at all stages of your life. It is very important for your future that you keep your credit history flawless and your finances in order. Get started with saving and investing when you’re young. It’s a great way to prepare for your future.

If you have any questions about financial matters, please book an appointment with us – we’ll be delighted to advise you.

You can enjoy daily services free of charge until you turn 26:

Book an appointment

OP's user ID

With an OP user ID, you can verify your identity and pay conveniently online.

OP Debit

Payment card always with you!

OP-mobile

Use your phone to check your account balance, start investing in funds, and pay friends by Siirto payment.

Mobile payment

Mobile payment services for easy payment by phone, regardless of your location. Add your card to Apple Pay or Google Pay.

Make the most of owner-customer membership

By becoming an OP cooperative bank owner-customer, you will get benefits and discounts and earn OP bonuses for using our services. For example, you will get the daily services package, including a card, free of charge until you turn 30. You can become an owner-customer online by paying the member cooperative contribution.

Learn more and become an owner-customer

Service providers

Current Account
The account is provided by OP cooperative bank.

Owner-customer
Owner-customer membership is provided by OP cooperative bank.

Money Box
Money Box is provided by OP cooperative bank. The card added to Money Box is provided by OP Retail Customers plc.

Insurance
The insurance is issued by Pohjola Insurance Ltd.

OP-mobile
OP-mobile service is provided by OP Retail Customers plc.

OP's user ID
Service is provided by OP Financial Group.

The cards are issued by OP Retail Customers plc, which also acts as the policyholder for insurance products included in the card and as the contract customer for other additional services.

Becoming an owner-customer and membership cooperative contribution

Becoming an owner-customer and member contribution

Your current customer relationship and any user ID in your use affects you becoming an owner-customer.

If you are an OP cooperative bank’s customer and have OP’s user ID, you can become an owner-customer by logging into the op.fi service. Become an owner-customer
If you are an OP cooperative bank’s customer but you do not have OP’s user ID, start by booking an appointment Book an appointment
If you are not an OP cooperative bank’s customer but you have another bank’s user identifiers and are interested in becoming an OP cooperative bank’s customer, become our customer online Become our customer digitally

Membership cooperative contribution

When joining us, you will pay an ordinary cooperative contribution as a one-time contribution, no other payments exist. In most banks, the amount of the membership cooperative contribution is 100 euros. You can find the amount of the membership cooperative contribution on the owner-customer application and in your OP cooperative bank.

If ever you decide to stop being an owner-customer, your membership contribution will be refunded to you in full. The cooperative contribution will be refunded after one year has lapsed from the end of the financial year during which the owner-customer membership was terminated.

However, OP cooperative banks have the right to refuse to refund the contributions according to the bank's rules. You can check the rules of the OP cooperative bank on the bank's op.fi page or in the head office.

Who can become an owner-customer?

Any person, entity or foundation using OP Financial Group’s services, irrespective of their nationality, can become an owner-customer.

Child as an owner-customer

A child can become an owner-customer. All guardians of the child sign together their underage child’s application for an owner-customer membership. By doing so, the parents also give their consent that their child will begin to earn OP bonuses.

If the membership contribution is paid using proceeds of the child’s own work, the child can him/herself sign the membership application and pay the membership contribution.

Termination of owner-customer relationship

Owner-customer terminates the membership

The owner-customer has, at any time, the right to terminate their owner-customer membership by informing their OP cooperative bank of this in writing. The owner-customer membership termination date is the date on which the OP cooperative bank has received the termination notice.

Death of owner-customer

An owner-customer membership will terminate on the death of the owner-customer. In the distribution or partition of the deceased person’s estate, the death estate can transfer the deceased person’s owner-customer membership, generally either to widow/widower or heir.