Your current customer relationship and any user ID in your use affects you becoming an owner-customer.

if you are an OP cooperative bank customer and have OP's user ID, you can become an owner-customer by logging into the op.fi service. Become an owner-customer
if you are an OP cooperative bank customer but you don't have OP's user ID, start by booking an appointment for a meeting. Book an appointment
if you are not an OP cooperative bank customer but you have user identifiers issued by another bank and are interested in becoming an OP cooperative bank customer, become our customer online. Become our customer digitally

Member cooperative contribution

When joining us, you will pay an ordinary member cooperative contribution as a one-time contribution, no other payments exist. In most banks, the amount of the member contribution is 100 euros. You can find the amount of the membership cooperative contribution on the owner-customer application and in your OP cooperative bank.

If you decide to stop being an owner-customer, your member cooperative contribution will be refunded in full. It will be refunded after one year has lapsed from the end of the financial year during which the owner-customer membership was terminated.

However, OP cooperative banks have the right to refuse to refund member contributions under their bylaws. The OP cooperative bank bylaws are available on the bank's op.fi website and at the head office.

Who can become an owner-customer?

Any person, entity or foundation using OP Pohjola's services, irrespective of their nationality, can become an owner-customer.

Child as an owner-customer

A child can become an owner-customer. All guardians of the child sign together their underage child's application for an owner-customer membership. At the same time, the parents give their consent to the accumulation of OP bonuses for the child. If the member contribution is paid using proceeds of the child's own work, the child can themself sign the membership application and pay the member contribution.

Frequently asked questions

Basic details about OP Car Leasing

Ordering a car

During the contract period

Repair and maintenance and tyres

Changes to leasing contract

At the end of the leasing contract

OP bonuses for leasing payments

Questions about electric vehicles