More services, bigger bonuses

By using more of OP Pohjola's services, you will get bigger bonuses and better benefits.

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OP bonus system will change significantly

Many changes are coming to OP bonuses for OP cooperative bank owner-customers starting 1 January 2026

  • We will increase OP bonuses earned by owner-customers by 12% compared to the baseline level of 2022.

  • OP bonuses earned from use of banking services will be taxable capital income; we will automatically withhold tax on OP bonuses.

  • Bonuses will be earned more widely, as a broader range of products and services will bring bonuses.

  • You can choose how you use your bonuses. The default selection is to use them for banking service charges and insurance premiums.

Learn more about OP bonuses
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Owner-customers enjoy the best benefits

As an OP cooperative bank owner-customer, you will benefit the most from your OP bonuses when you use OP Pohjola as your main provider of banking, insurance and wealth management services.

  • 1. Use more services to benefit from the higher bonus rate

    If you're an owner-customer and use OP Pohjola's services extensively, you will benefit the most from the increased bonus rate.

    everything under one roof – only from us

    • Banking services

      The best services for easy payment and daily money management. Financing for the essential and meaningful purchases in your life.

    • 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.

    • Insurance

      Cover for yourself, your loved ones and your property – whether for your home, children, car or pets.

  • 2. Earn OP bonuses more widely

    You may earn more bonuses than before, as a broader range of products and services will bring you bonuses. The more you use our products and services, the more you'll benefit.

    these give you bonuses

    • Accounts

      Savings and investment accounts, such as Savings Account, Fixed-term High-yield Account, Growth Return Account, ASP Account and Money Box.

    • Loans

      Secured bank loans, such as Home Loan, Student Loan and Energy Efficiency Loan.

    • Unsecured credit

      OP Tailored Consumer Credit. The interest portion of card-based credit if you use for example OP Classic or OP Gold.

    • Hire purchase and leasing

      Such as OP Hire-purchase, OP Car Leasing.

    • Savings and investments

      Fund units and unit-linked insurance assets.*

    • Insurance

      Paid insurance premiums, such as home insurance, comprehensive motor vehicle insurance and continuous travel insurance.

  • 3. Choose how you use your OP bonuses

    Going forward, you can choose how you use your bonuses. The default selection is to use OP bonuses for banking service charges and insurance premiums.

    choose where you use your bonuses

    • Banking service charges

      Monthly charges for daily banking services, service charges and origination fees for secured loans, and legal service fees.

    • Investment charges and fees

      Custodial and portfolio management fees for investments.

    • Insurance premiums

      Insurance premiums for home, family and motor vehicle policies.

    • Invest your bonuses in funds

      You can invest your bonuses in funds via OP-mobile.

    • Get OP bonuses as money

      You can get your bonuses as money by transferring them from your bonus account to your Current Account. 

Learn more about OP bonuses

Are you already a customer of OP Pohjola?

  • Sad face: I'm not an OP customer yet.

    I'm not yet a customer

    No worries, you can enable banking services or buy insurance online, right away.

    Become our customer
  • Happy smiling face: I'm not an owner-customer yet.

    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
  • Very happy smiling face: I'm already a customer and 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

Benefits and discounts from OP Pohjola

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Owner-customer benefits

As an OP cooperative bank owner-customer, you own a part of your bank. You get unique benefits and discounts from your banking and insurance services. You will also earn OP bonuses.

Read more about owner-customer benefits
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Benefits for Owner Plus customers

As an Owner Plus customer, you get access to additional benefits and personal service. You automatically become an Owner Plus customer when you are our owner-customer and use a certain number of OP Pohjola products and services.

Read more about Owner Plus customer benefits
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Insurance-related benefits

Pohjola Insurance provides you with comprehensive cover for yourself, your loved ones and your property. Check whether your insurance entitles you to discounts or benefits.

Learn more about insurance benefits
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Investment-related benefits

Investing could be the most financially rewarding decision of your life. With us it's particularly worthwhile, as you can always make investments at a low price or even free of charge.

Read more about investment benefits

 

 

The non-life insurance policies are issued by Pohjola Insurance Ltd. Life insurance is issued by OP Life Assurance Company Ltd. Investment services are provided by OP cooperative banks. The funds are managed by OP Fund Management Company Ltd. Before you make any final investment decision, read OP’s official fund prospectus and the fund’s Key Information Document. OP-mobile is an app provided by OP Pohjola. The cards and consumer credit are issued by OP Retail Customers plc. Accounts are provided by OP cooperative banks. Secured loans are provided by OP cooperative banks. Hire-purchase financing and OP Car Leasing are granted by OP Corporate Bank plc.

* Excluding the OP Euro mutual fund, institutional classes and third-party funds that do not accrue OP bonuses.