BASIC FEATURES OF OP GOLD |
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Debit and credit features, pay from your bank account or make use of the interest-free billing period offered by the credit feature. |
Credit limit 2,000–20,000 euros. |
Include the K-Plussa feature on your card. |
OP Gold pricing
Total of card and daily services | Price |
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Owner-customers | €8 per month |
Other customers | €13.25 per month |
Owner-customer's special price and additional daily services benefit
As an additional benefit for owner-customers, you will get daily banking services free of monthly charges for 1 October 2023-31 December 2025.
After 31 December 2025, the Gold card will be subject to a monthly charge based on the list of charges and fees.
Daily services include a payment card, additional services included in the card, an account and OP's digital services. Pricing for the Gold card without daily services can be found in our list of charges and fees. For owner-customers, the service charges are primarily debited from OP bonuses.
Read more about the daily services package
List of charges and fees
Interest and charges | |
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Interest if the credit has debt with interest | 3-month Euribor + 8.95% |
Account service charge if the credit has debt with interest | €3.50 per month |
PPaper invoice surcharge if paper invoices are selected instead of e-invoices | €3 per invoice |
The effective interest rate calculated for used credit of 2,000 euros is 19,04% (10/2024). The calculation does not take into account the owner-customer's or other discounts. This calculation is based on the assumption that the card’s monthly charge is 2.95 euros and the monthly account service charge 3.50 euros, free of charge e-invoicing is in use, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2,186.80 euros.
Terms and conditions for OP-Visa-credit (pdf)
General Terms and Conditions for Payment Cards (pdf)
Consumer credit information (pdf)
The card is issued by OP Retail Customers plc which also acts as the policyholder of insurance products included in the card. Owner-customer membership is provided by OP cooperative bank. Travel insurance, rental car insurance and event ticket insurance are issued by Inter Partner Assistance SA / AXA. The LoungeKey service is provided by Visa. Product Protection Insurance is issued by Pohjola Insurance Ltd. Apple Pay is provided by Apple. Google Pay and Google Wallet are trademarks of Google LLC. Samsung Pay is provided by Samsung. Garmin and the Garmin logo are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.