Taxation of OP bonus changes in 2026 – Owner-customer membership will continue to stay worthwhile

A decision was made yesterday regarding the change in legislation applicable to OP Financial Group’s bonus system, upon which taxation will change as of 2026. Following the amendment, the bonuses earned by owner-customers will become subject to capital income tax if they are earned from banking services and used for insurance premiums.

With the transition period before the amendment enters into force, we can ensure that the change is deployed to our systems in a controlled and smooth manner, and that our customers can have a good customer experience.

Owner-customers will benefit from their customer relationship at least as much as before

As an owner-customer, your benefits will be at least as good as before. In accordance with its mission, OP Financial Group will continue to promote the sustainable prosperity, security and wellbeing of its owner-customers.

Following the legislative amendment, the tax treatment of OP bonuses will change. We are currently working on the necessary changes and will tell you more about the progress and impact of the change as soon as possible.