Customers to receive their statement of fees for 2019 in February

Customers are receiving information about the 2019 statement of fees in line with the EU Payment Accounts Directive.

As a private customer of OP, you will receive your 2019 statement of fees in February if you are the principal holder of:
  • a current account; 
  • an account based on a current account, such as a joint household account or a Money Box on;
  • a basic payment account.
If you do not have any of these accounts, we will not send a statement of fees.

What is a statement of fees?

The statement of fees is a part of the Payment Accounts Directive (2014/92/EU), which aims to ensure that the actual service fees charged for payment accounts are communicated to consumers in a form that provides them with consolidated information about the service fees they have paid and makes it possible for them to compare the fees of different service providers. You will receive a statement of fees once a year.

Where can I find my statement of fees?

If you use OP-mobile or the service, you will receive a message about the statement of fees in the next few days. The message is to inform you that your statement of fees has been added to the ‘My archive’ section of OP-mobile, accessible under ‘More’ and ‘My profile’. On the service, the ‘My archive’ section is on the right-hand side. If you do not use the service, we will post your statement of fees to your home address in February. 

How should I read the statement of fees?

The statement of fees shows the fees charged for the services related to the account from 1 January to 31 December 2019. The ‘Total fees paid’ section shows your service fees before the use of any OP bonuses to pay the service fees. The ‘Additional information’ shows the amount of any OP bonuses used to pay your service fees. If the statement of fees is blank, it means that we did not charge any service fees for the account.

How does OP charge its service fees?

We will debit the service fees from your account or your OP bonuses every month. If you are an OP owner-customer, any OP bonuses you earn will be used to pay service fees and charges. You can check whether you are an owner-customer and see your current OP bonus balance on the service or on OP-mobile. If you do not use OP eServices, you can obtain this information by visiting your OP cooperative bank branch.

Where can I find additional information?

For more information, visit or see the Fee information document. You can find your OP cooperative bank’s list of service charges and fees at On OP-mobile or the service, you can ask for more information by sending a message or using the chat function.