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” ” Additional benefits for owner-customers in 2025

As an owner-customer, you'll get 40% more OP bonuses than normal and daily banking services without monthly charges.
Try Siirto payment for everyday money transfers

Transfer money within your family or send gift money on a special day with OP-mobile, using just a phone number. Siirto is a free service.
Peace of mind for your summer drives

Now 20% off all new comprehensive motor vehicle insurance policies for passenger cars.
Vakuudeton yritysrahoitus Unsecured financing for your company

Does your company need working capital? Apply for revolving OP Flexible Capital for your company.
Entrepreneur, are you taking care of your wellbeing?

It's easy to forget to look after your health in all the rush. Ensure your access to high-quality care if you fall ill or are injured.

OP’s banking services

  • Become OP’s customer

  • Become OP’s corporate customer

  • Owner-customer benefits

  • Savings calculator

  • Loan calculator

Pohjola Insurance services

  • Buy insurance for private customers

  • Insurance for corporate customers

  • Explore benefits for personal customers

  • Did you encounter a loss? See instructions

  • Learn more about Pohjola Insurance

What's new

  • 11.7.2025 Right now: Beware of scam calls made in OP's name
  • 4.7.2025 Important information about real estate funds
  • 23.6.2025 You can now receive OP First Investment for your child
  • 12.6.2025 SEPA instant credit transfer more extensively and more securely in 2025

Is your home insured?

Pohjola Home Insurance is a great choice for any home. Calculate the price of a suitable home insurance policy and buy online.
Maalausta

Start investing in OP Unit-linked Insurance

Take care of tomorrow and start saving with OP Unit-linked Insurance. Read more!

More benefits as an Owner Plus customer

You get all the benefits of OP cooperative bank owner-customers as well as your own contact person who can advise you with loans or savings and investments.

Most used banking services

  • Home loan

  • Best deal on your home loan

  • Student loan

  • Car loan

  • ASP loan

  • All loans

  • Cards and card use

  • 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

Saving and investments

  • 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

Most used corporate services

  • Cash management

  • Netbank for corporate customers

  • Start investing

  • Merchant services

  • Working capital

  • Services for entrepreneurs

  • Insurance for entrepreneurs

  • Liability insurance

  • Workers’ compensation insurance

  • Corporate loan

Digital services

  • OP-mobile

  • OP Business mobile

  • Electronic Signature Service

  • OP Home

  • Siirto payment

  • Wealth management

  • OP Forest and OP Forest Appraisal

  • OP Smart Contracts

  • OP Self-employed service

  • Do the following in the case of fraud

Tools and calculators

  • Pohjola Claim Help

  • Loan calculator

  • Home loan calculator

  • Savings calculator

  • IBAN calculator

  • Insurance calculator

  • Motor vehicle insurance calculator

  • Reference calculator

  • Bonus calculator

  • ETF search engine

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