Currency Account for Private Customers

An account for, say, dollars, pesos and pounds

If you get money regularly from outside the euro area or make recurring non-euro payments, it pays to open a Currency Account.

  • You can open an account for each currency.
  • You open the account at a member cooperative bank branch, free of charge.

The value of funds in the account varies with foreign exchange rates.

Funds in the Currency Account generate OP bonuses. Learn more under the section ‘Owner-customer benefits and OP bonuses through banking services’!

Account terms and conditions

General Terms and Conditions for Accounts (applicable to new account agreements from 11 December 2024 and to all account agreements from 1 April 2025) (pdf)

General Terms and Conditions for Accounts (applicable to old account agreements until 31 April 2025, or the account agreements made before 11 December 2024) (pdf) 

The General Terms and Conditions for Accounts for Personal Customers apply to Currency Account. According to the terms and conditions, the bank has the right to change the account agreement, the terms and conditions, and the list of service charges and fees. The bank will inform you of changes as specified in the terms and conditions.

Owner-customer's OP bonuses and benefits from banking services

As an OP cooperative bank owner-customer, you get OP bonuses that decrease your banking and insurance service charges. As an OP cooperative bank owner-customer, you get 40% more OP bonuses compared to the normal level of 2022. We will continue the familiar benefit until the end of 2025.

OP bonuses come from

  • funds in savings accounts
  • home loans, student loans and secured bank loans
  • mutual fund units and unit-linked insurance
  • paid insurance premiums, such as home and motor vehicle insurance and continuous travel insurance.

OP bonuses are tax-free. Because of that they are automatically used for loan service and origination fees and insurance premiums, among other things.

Read more about OP bonuses

As an owner-customer, you also get significant benefits and discounts. For example, you will get daily banking services without monthly charges until the end of 2025 and interest on your Current Account. Furthermore, you'll enjoy lower saving and investing costs than usual.

See all owner-customer benefits


The account is provided by OP cooperative bank.