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30% more benefit from OP bonuses for owner-customers!

As an OP cooperative bank owner-customer, you'll get 30% more bonuses this year.
Asuntolaina 2023 ​Home loan for the home of your life

Get a loan offer from us and be ready when you find a home that suits you.
Mies skrapaa ikkunoita Pohjola Motor Vehicle Insurance at 20% off

Buy motor vehicle insurance easily online. Now 20% off all new comprehensive motor vehicle insurance policies for passenger cars.
Sustainable financing solutions for your company’s turning points

Sustainable choices facilitate the creation of effective business operations. We offer sustainable financing solutions for your company’s turning points.

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

  • 27.3.2023 Warning: criminals are using scam text messages to phish for your OP user IDs
  • 27.3.2023 Statement of fees for 2022 has been delivered to My archive
  • 13.3.2023 A new green loan to speed up SME and housing company investments

Look after your loved ones with life insurance

Free 45% increase to compensation for OP cooperative bank owner-customers and Pohjola Insurance prime customers. Claim your benefit.
OP Gold

Use the OP Gold special offer

As our owner-customer, you get the OP Gold card free of monthly charges for the first six months.
Nainen ja mies istuvat lattialla, lapsi miehen sylissä

​We’re right here when you need us​

Owner-customer membership of an OP cooperative bank – benefits for life. Learn more about owner-customer.

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

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