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Due to maintenance work, there could be occasional service breaks in OP's digital services, identification and online payments from 05.00 to 08.00 on Thursday 5 October. The maintenance work will have no effect on payment card functions or cash withdrawals. We apologise for the inconvenience. 
Meillä on jotain yhteistä We have something in common

There are 3.5 million of us OP Financial Group customers. Together, let’s take hold of the future and build a better tomorrow for ourselves and the next generation.
Ensiaskel kohti omaa asuntoa Take the first step towards owning a home

Save for your first own home with an ASP account. You will earn a good rate of interest on your savings. Start by saving as little as 50 euros per month.
Sujuvat kaupat nainen ​A new way to buy and sell cars

Our OP Smart Contracts service allows you to safely conduct car sales, from creating a deed of sale all the way to registering a new vehicle.
Sustainable financing solutions for your company's turning points

Find out more about Green loan
Mies ja nainen nauravat yhdessä Invest in the wellbeing of your employees

With Health Insurance, or a company’s medical expenses insurance, your employees can access specialist and mental health services easily – and they can return to work sooner.

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

  • 2.10.2023 OP-prime to rise to 3.50 per cent
  • 29.9.2023 Is your company's KYC information up to date?
  • 19.9.2023 About to change your smart device? You can enable OP-mobile with your old device

Thinking about comparing insurance policies?

Ask us for a free insurance quote. We will make you a personal offer.
​Vastaa Kaikkien aikojen tekoja -kyselyyn

Take the Good Deeds Across Time survey

As an owner-customer, you can affect which sustainability actions your bank performs in your region.
Korkeampi Käyttötilin korko

Higher interest on Current accounts

As an OP cooperative bank owner-customer, the deposit interest rate of Current account will be 0.25% from 1 November 2023. Otherwise, the interest rate is 0.00%. Read more.

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 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

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