Nuorten omistaja-asiakkuus

Young people also benefit from owner-customer membership

Moving out on your own, starting studies and taking the first steps in your career are an exciting time. We will help you take care of your personal finances as you start your independent life. As an OP cooperative bank owner-customer, you always take care of your daily finances affordably. You also get discounts on insurance policies and investment services, as well as on services by our partners.

Benefits for young owner-customers

When you are our owner-customer and aged 18–29, you get the daily banking package starting from €0/month. The package includes a Current Account, payment card, and OP's user ID and digital services – everything you need for managing your daily finances.

Other owner-customer benefits include a student loan with no origination fee, provided you file your loan application at op.fi. You also receive interest on your Current Account and earn valuable OP bonuses from your use of our services. The bonuses are used to pay banking service fees and insurance premiums.

Taulukko nuoren omistaja-asiakkaan eduista englanniksi Taulukko nuoren omistaja-asiakkaan eduista englanniksi

Please note that all owner-customers will receive daily banking services without monthly charges until 31 December 2025. This benefit applies to both individual products and daily services packages. The prices shown in the table are valid after the free period.

Benefits on saving, investing and insurance

As an owner-customer, you invest at more affordable prices than normal and get sizeable discounts on insurance to protect your life.

You also enjoy benefits offered by our partners all over Finland. For example, you get CityShoppari free of charge for one year. You can find all our partners’ benefits on OP-mobile under Customer info – Owner-customer / Owner Plus customer – Partner benefits.

Earn OP bonuses from investment funds and student loans

Did you know that you earn OP bonuses from student and home loans and investments in mutual funds? Thanks to the bonuses, you pay less for our services and save money for other needs. Until the end of 2025, you will get 40% more OP bonuses compared to the normal level of 2022.

Other benefits and discounts for young people and students

  1. Opening and pledging a rent deposit account free of charge for customers aged 18–26
  2. Free book-entry account and equity savings account for investing for all customers under 26
  3. OP Classic credit card for higher education students without course credit requirements

Become an owner-customer

You can become an owner-customer by paying the cooperative contribution for membership. The amount of the contribution is 100 euros in most OP cooperative banks. There are no other membership fees. If you ever decide to revoke your owner-customer status, your member contribution will be refunded to you.

If you are an OP cooperative bank customer and have an OP user ID, you can become an owner-customer by logging into the op.fi service. 

If you are not yet an OP cooperative bank customer and you have another bank's user identifiers, you can easily become our customer and an owner-customer at the same time by going online.

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.