Changes in service charges as of 1 April 2020

We are changing some of our service charges and service names in our list of service charges and fees as of 1 April 2020. In addition, the interest rate for owner-customers’ current accounts will decrease as of 1 June 2020.

OP’s private customers will be informed of the changes in charges and fees as a message on the service or by post two months before the changes take effect. 

We will inform of the arrival of the message on the service by sending an SMS to customers or by email, and the message can also be read on OP-mobile. You may receive several messages or letters if you, for example, have a customer relationship with several OP cooperative banks or are a legal guardian of a minor who is OP’s customer.

We occasionally revise prices to be in line with cost developments

Improving and maintaining services cause expenses and we occasionally have to revise prices accordingly, says Sari Heinonen, Head of Private Customers, Banking.

- For example, requirements based on legislative amendments have brought a lot of additional costs to further develop banking services. However, the majority of our charges and fees will remain unchanged. Charges for daily services will rise slightly but will still be at reasonable level. 

Service charges will be debited to your account or OP bonuses

The charges based on our list of service charges and fees will be debited to the account every month. If you are an OP owner-customer, the OP bonuses you have earned will be used to pay service charges and fees. 

You can check your OP bonuses on the service under Owner-customers and benefits and on OP-mobile in Owner benefits. If you are not user of the service, you can check your OP bonuses by visiting your OP cooperative bank branch or activating the service.

You can find your OP cooperative bank’s valid list of service charges and fees at For more information, send a message or go to chat at or call OP Customer Service at OP 0100 0500 ((Mon–Fri 8–19, local network charge/mobile charge).).