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Extra owner-customer benefits continue in 2025

As an owner-customer, you'll get 40% more OP bonuses than normal and daily banking services without monthly charges.

Use your owner-customer benefit

As our owner-customer, you will get the OP Gold card free of monthly charges until the end of 2025.

A new way to buy and sell vehicles

In the OP Smart Contracts service, you can sell second-hand cars, vans, motorcycles and snowmobiles to another private person.

Take care of your personnel's tomorrow

Engage and reward your personnel with OP Group Pension. You can deduct the insurance premiums from your company's taxes.

Mies ja nainen katsovat hymyillen toisiaan.

Protection for your employee during every moment

Also ensure a speedy recovery in the event of non-work related accidents – supplement occupational accident insurance to cover leisure time and remote work.

OP’s banking services

Become OP’s customer
Become OP’s corporate customer
Owner-customer benefits
Savings calculator
Loan calculator

Pohjola Insurance services

Insurance for private customers
Insurance for corporate customers
Request an offer for several insurance products
Did you encounter a loss? Navigate to Claim Help
Learn more about Pohjola Insurance

What's new

20.11.2024 This is how we develop our services with customer feedback
18.11.2024 Key code list has been redesigned
13.11.2024 How to confirm that you are in a phone call with a genuine OP expert
6.11.2024 You can now study at OP Investment Academy

Planning a vacation?

Remember to insure your upcoming trips before departing. Buy travel insurance.

Add K-Plussa to your card

Reduce the number of cards by adding Plussa feature to your OP payment card. You can add the feature free of charge.

More benefits as an Owner Plus customer

You get all the benefits of OP cooperative bank owner-customers as well as your own contact person who can advise you with loans or savings and investments.