More services, bigger bonuses
By using more of OP Pohjola's services, you will get bigger bonuses and better benefits.
Owner-customers benefit from OP bonuses
As an OP cooperative bank's owner-customer, you earn OP bonuses from banking, insurance and investment services.
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You will benefit the most from OP bonuses when you use OP Pohjola as your main service provider.
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Use the quick and easy bonus calculator to calculate your OP bonuses.
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You can conveniently see on OP-mobile and the op.fi service how your OP bonus earnings grow.
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You can effortlessly use OP bonuses to pay, for example, insurance bills from Pohjola Insurance and service charges from OP cooperative bank. You can also invest OP bonuses in a fund via OP-mobile.
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Additional benefit: During 2026, you will earn more than ten times the regular OP bonuses from certain insurance policies.
Owner-customers benefit the most – get all services from OP Pohjola
When you are an OP cooperative bank owner-customer and choose OP Pohjola for all your banking, insurance and investment services, you will get the best benefits. We are the only bank whose customers can earn bonuses from loans, savings, and investments. You also earn bonuses from insurance premiums. The more you use our products and services, the more you benefit from the bonuses and owner-customer benefits.
Did you know that you can choose how to use your OP bonuses? The default option is to use them for banking and insurance service charges. If you transfer OP bonuses to your Current Account, you can use them to pay, for example, insurance bills from Pohjola Insurance or other payments.
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1. Use more services and benefit from OP bonuses
everything under one roof – only from us
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Banking services
The best services for easy payment and daily money management. Financing for the essential and meaningful purchases in your life.
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Wealth Management
Comprehensive and always affordable investment services –from monthly fund investing to investing in equity and unit-linked insurance – plus rewarded personal wealth management.
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Insurance
Cover for yourself, your loved ones and your property – whether for your home, children, car or pets.
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2. You get OP bonuses on banking and insurance services
these give you bonuses
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Accounts
Savings and investment accounts, such as Savings Account, Fixed-term High-yield Account, Growth Return Account, ASP Account and Money Box.
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Loans
Secured bank loans, such as Home Loan, Student Loan and Energy Efficiency Loan.
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Unsecured credit
OP Tailored Consumer Credit, sales finance granted by OP Corporate Bank, and interest-bearing credit of OP Classic and OP Gold, for example.
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Hire purchase and leasing
Such as OP Hire-purchase, OP Car Leasing.
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Savings and investments
Almost all funds and unit-linked insurance.
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Insurance
Paid insurance premiums, such as home insurance, comprehensive motor vehicle insurance and continuous travel insurance.
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3. Choose how you use your OP bonuses
choose where you use your bonuses
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Banking service charges
Monthly charges for daily banking services, service charges and origination fees for secured loans, and legal service fees.
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Investment charges and fees
Custodial and portfolio management fees for investments.
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Insurance premiums
Insurance premiums for home, family and motor vehicle policies.
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Invest your bonuses in funds
You can invest your bonuses in funds via OP-mobile.
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Get OP bonuses as money
You can get your bonuses as money by transferring them from your bonus account to your Current Account.
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Your benefits and discounts as an owner-customer
More affordable banking services – only for owner-customers
The price of the daily service package with an OP Classic card, for example, is €3.95/month for an owner-customer. For others, the price is €8.45/month. The package also includes a Current Account, an OP user ID and OP digital services. You can offset your monthly payment with the OP bonuses you earn.
Discover the benefits of daily services
Ample discounts on insurance policies as our owner-customer
In addition to the 7% discount for insurance prime customers, you will receive an additional 3% discount for owner-customers on most insurance policies. In addition, you will receive a deductible benefit of up to €250 for Pohjola Home Insurance and a 25% discount on the price of Life Insurance. The benefits below apply to Pohjola Insurance and OP Life Assurance Company policies.
Discover the benefits of insurance policies
Benefits for Owner Plus customers
As an Owner Plus customer, you have access to additional benefits and even more personal service. You have a specific contact person at your OP cooperative bank, and you also get a wide range of benefits and discounts available to owner-customers. You also have access to Owner Plus insurance service that makes it easier to handle your insurance matters. You get a daily services package with the OP Gold card at a reduced price of €3.95/month. The price for owner-customers is €8/month and for others €13.25/month.
Read more about Owner Plus customer benefitsAre you already a customer of OP Pohjola?
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I'm not yet a customer
No worries, you can enable banking services or buy insurance online, right away.
Become our customer -
I'm not yet an owner-customer
If you're a customer of an OP cooperative bank, you can become an owner-customer online by paying a member contribution, which at most banks is 100 euros.
Become an owner-customer -
I'm already a customer and owner-customer
You can see your owner-customer benefits under Customer info.
Log in and see your benefits
