As a rule, we provide investment services only in Finland. If your permanent address is outside Finland, you will not be able to make new investments through us or get investment advice from us. This is based on regulation concerning the provision of investment services as well as our specified policy of providing investment services only in Finland.
What does this mean in practice?
When you live permanently abroad
- you can keep your existing holdings, such as shares, fund units, monthly investment agreements and the OP Investment Partner service. If you want to sell your holdings, please contact OP Customer Service.
- you can continue to manage your existing agreements on saving through insurance on OP-mobile, in the op.fi service and with OP Life Assurance Company’s Customer Service
- you can't make new investments or changes to your existing investments on OP-mobile or in the op.fi service
- you can't get investment advice from us.
Exceptions concerning services for trading in shares and ETFs for those living in certain EEA countries
We have notified or reported our authorisation for certain EEA countries. For this reason, persons living in certain EEA countries can use our services for trading in shares and ETFs on OP-mobile and in the op.fi service. It is also possible for our customers living in those EEA countries to open a new book-entry account with us by visiting an OP cooperative bank branch or contacting OP Customer Service.
This exception applies to our customers living in the following EEA countries: Austria, Denmark, Estonia, Germany, Greece, Italy, Latvia, Lithuania, Luxembourg, the Netherlands, Norway, Portugal and Sweden.
Getting investment advice or making orders related to mutual funds will continue not to be possible via OP's digital services or the telephone service.
When am I considered to live permanently abroad?
The status of living abroad is determined by your permanent address registered in the Population Information System. If your live abroad longer than 12 months, the system interprets it as permanent residence abroad.