The more services you use, the more you benefit

While a carefree life can’t be measured in money, OP bonuses can. As an owner-customer, you will receive OP bonuses 40% more than normal in 2025.

Try the OP bonus calculator and check how much bonuses you and your family could earn from your home loan or savings, for example.

OP bonuses let you spend more on other things

Bonuses can be used to cover:

• loan service and origination fees 
• insurance premiums for home, family and motor vehicle policies 
• custodial and portfolio management fees for savings and investments 
• legal service fees 
• OP Koti’s real estate commissions.

They also help you save money to balance your daily finances or fund your favourite hobbies or a family vacation, for example.

Earn OP bonuses from your home loan

If you're an OP cooperative bank's owner-customer, your home loan will earn you OP bonuses worth up to hundreds of euros. Your earned OP bonuses can then offset some or all of your banking fees or insurance premiums. Home loans are granted by OP cooperative banks.

Apply for or transfer a loan

Various benefits and discounts

As an owner-customer, you both earn OP bonuses and

• great benefits and discounts on insurance products
• both nationwide and local benefits with our partners
• an opportunity to influence your own cooperative bank’s corporate responsibility actions
• an opportunity to invest in your own cooperative bank through Profit Share. 

You also receive many other benefits.