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OP elämääsi varten Benefits for the things that matter

Only OP cooperative bank owner-customers get our best discounts on banking and insurance services.
k_plussa_yhdistelmakortti ​Add Plussa to your card without charge

Add the Plussa feature to your payment card and you can easily collect points and pay for purchases using a single card.
Look after your loved ones with OP Life Insurance

Safeguard the future of your loved ones with life insurance. You will now get a 20% discount on life insurance for the first 12 months.
Mies ja puhelin OP Business mobile

Have you tried our banking app for companies? With OP Business mobile, you can do your banking easily and safely – even during your holiday.
Opportunities for companies and success

We are your partner in risk management at all stages of your company. Let us help you find the right insurance for your business.

OP’s banking services

  • Become OP’s customer

  • Become OP’s corporate customer

  • Owner-customer benefits

  • Savings calculator

  • Loan calculator

Pohjola Insurance services

  • Insurance for private customers

  • Insurance for corporate customers

  • Request an offer for several insurance products

  • Did you encounter a loss? Navigate to Claim Help

  • Learn more about Pohjola Insurance

What's new

  • 8.8.2022 OP Helsinki, OP Itä-Uusimaa and OP Uusimaa merged to be renamed OP Uusimaa
  • 3.8.2022 Are you about to receive a tax refund? If so, read these instructions
  • 26.7.2022 Sustainability preferences as part of investment advice and asset management
  • 20.7.2022 Warning: criminals are using scam text messages to phish for your OP user ID for digital services
opfi-lapsivakuutus-ranta-1600x900

Cover for your beloved child

Pohjola Child Insurance gives your child life-long protection against accidents and illnesses.
Asuntolaina_kuva

Time to transfer loans to OP?​

In addition to your home loan, you can transfer consumer loans and hire purchase to us.​ Read more!

Apple Pay – a safer way to pay

Like paying by card, but even easier. Approve payments with Face ID or Touch ID.

Most used banking services

  • Home loan

  • Best deal on your home loan

  • Student loan

  • Car loan

  • ASP loan

  • All loans

  • Debit cards and credit cards

  • 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

Most used corporate services

  • Cash management

  • Netbank for corporate customers

  • Merchant services

  • Working capital

  • Services for entrepreneurs

  • Insurance for entrepreneurs

  • Liability insurance

  • Workers’ compensation insurance

  • Corporate loan

Most used saving and investment services

  • 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

Digital services

  • OP-mobile

  • OP Business mobile

  • Electronic Signature Service

  • OP Home

  • Pivo

  • OP Private

  • OP Forest

  • OP Forest Appraisal

  • OP Self-employed service

  • Do the following in the case of fraud

Tools and calculators

  • Pohjola Claim Help

  • Loan calculator

  • Home loan calculator

  • IBAN calculator

  • Insurance calculator

  • Motor vehicle insurance calculator

  • Reference calculator

  • Bonus calculator

How does the war in Ukraine affect banking and insurance services?

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