As an OP cooperative bank owner-customer, you own a part of your bank. This entitles you to unique benefits and valuable OP bonuses that support your finances. As an owner-customer, you pay less for daily services and insurance, with more to spend on other things.
The more services you use, the more you stand to benefit.
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 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.
Owner-customer benefits help to balance your finances
As an owner-customer, you get extensive benefits and discounts on our services. You also have a say in how your bank supports the wellbeing of people and the environment in your area, and how owner-customers’ voices are heard by your bank's management.
- You get great discounts on daily banking services and insurance policies
- You earn valuable OP bonuses that reduce the cost of different services
- You enjoy benefits and services by our partners at a reduced cost
- You have a say in your bank's sustainability actions
- You have a vote in your OP cooperative bank's Representative Assembly elections
