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Maintenance on Pohjola Insurance's services 15–16 November 
Omistaja-asiakas hymyilee OP Pohjola logon vieressä Owner-customer OP bonuses and benefits to change in 2026

As an owner-customer, you'll benefit even more from your OP bonuses.
Asuntolaina Home loan for the home of your life

Get a loan offer from us and be ready when you find a home that suits you.
” ” Life insurance – a good choice for life situations

Provide security for your loved ones. Owner-customers get a 25% discount.
Räätälöityjä vakuutusratkaisuja kaiken kokoisille yrityksille Customised insurance solutions for companies of all sizes

Through every twist and turn of business

What's new

  • 14.11.2025 New way to activate Mobile key
  • 13.11.2025 Maintenance on OP's services 25-26 Oct
  • 11.11.2025 Mergers, rule amendments and name changes in our funds
  • 28.10.2025 OP Financial Group changes its name to OP Pohjola and renews its benefits package for owner-customers
  • 23.10.2025 Right now: Investment scams on the increase

OP’s banking services

  • Become OP’s customer

  • Become OP’s corporate customer

  • Owner-customer benefits

  • Savings calculator

  • Loan calculator

Pohjola Insurance services

  • Buy insurance for private customers

  • Insurance for corporate customers

  • Explore benefits for personal customers

  • Did you encounter a loss? See instructions

  • Learn more about Pohjola Insurance

Support

  • Services for minors

  • Services for older people

  • Moving to Finland

  • Administering a death estate

  • Powers of attorney

Welcoming a new family member?

Our baby insurance provides safety for both mother and unborn child. Calculate the price!
” ”

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.

Most used banking services

  • Home loan

  • Best deal on your home loan

  • Student loan

  • Car loan

  • ASP loan

  • All loans

  • Cards and card use

  • E-invoice

  • Mobile Money

Most used insurance services

  • Car insurance

  • Motor liability insurance

  • Motorcycle insurance

  • Home insurance

  • Life insurance

  • Health insurance

  • Baby insurance

  • Dog insurance

  • Request an insurance offer

Saving and investments

  • Funds

  • Index funds

  • Stocks and investing in stocks

  • ETF investing and ETFs

  • Saving through insurance

  • Owner-customer benefits from saving and investment

  • Where should you invest in right now?

  • OP Investment Partner

  • Profit Share

Most used corporate services

  • Cash management

  • Netbank for corporate customers

  • Start investing

  • Merchant services

  • Working capital

  • Services for entrepreneurs

  • Insurance for entrepreneurs

  • Liability insurance

  • Workers’ compensation insurance

  • Corporate loan

Digital services

  • OP-mobile

  • OP Business mobile

  • Electronic Signature Service

  • OP Home

  • Siirto payment

  • Wealth management

  • OP Forest and OP Forest Appraisal

  • OP Smart Contracts

  • OP Self-employed service

  • Do the following in the case of fraud

Tools and calculators

  • Pohjola Claim Help

  • Loan calculator

  • Home loan calculator

  • Savings calculator

  • IBAN calculator

  • Insurance calculator

  • Motor vehicle insurance calculator

  • Reference calculator

  • Bonus calculator

  • ETF search engine

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