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
A large orange ball with a white OP Pohjola logo on a white background. A dog, a golden retriever puppy, is walking in front of the ball. Next to it is an orange ball, slightly smaller than the other ball, with a white logo.

Owner-customers benefit the most – get all services from OP Pohjola

As an OP cooperative bank owner-customer, you get the best benefits by using both our banking and insurance services. We are the only service provider to offer banking, insurance and wealth management services in one place. The more you use our products and services, the more you benefit from the OP bonuses and owner-customer benefits you earn.

  • 1. Use more services to benefit from the higher 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

    these give you bonuses

    • Accounts

      Savings and investment accounts, such as Savings Account, Fixed-term Savings 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, sales finance granted by OP Corporate Bank, and interest-bearing credit of OP Classic and OP Gold, for example.

    • Hire purchase and leasing

      Such as OP Hire-purchase, OP Car Leasing.

    • Savings and investments

      Almost all funds and unit-linked insurance.

    • Insurance

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

  • 3. Choose how you use your OP bonuses

    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

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

New benefits for Owner Plus customers

In addition to the benefits for current Owner Plus customers, you will receive faster customer service through the new Owner Plus insurance service starting 1 January 2026. As a new benefit, you can also get a daily service package with the OP Gold card at a discounted 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 benefits

 

As an owner-customer, you can also enjoy all other OP Pohjola benefits
 

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

 

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.