Money Box

Online piggy bank for everyday saving and unexpected expenses

Save easily for your everyday dreams and life’s surprises

With Money Box, you can build a cash buffer for life’s unexpected expenses and define one or several savings targets for yourself. You can manage and monitor your savings on OP-mobile and the service.


Pay with a card and save

Save effortlessly when you pay with your debit card. You can define the amount that will be transferred for your savings targets every time you pay with your card.


Start investing in mutual funds through Money Box

Money Box also offers a no-fuss way to start investing in mutual funds and, in the long run, gives higher returns on your extra savings than a bank account.

Money Box is like an online piggy bank – this is how it works

Money Box is an account that encourages you to save money for surprise expenses, a holiday trip or any other dream you may have. Opening Money Box and withdrawing your savings is free of charge. Saving in Money Box is easy and rewarding. Soon you will notice that you have built up a tidy sum in your Money Box!

You can save in Money Box in the following ways:

  • by making one-off deposits for example every month
  • by saving when paying with a card.

In Money Box, you can also easily start investing in mutual funds and get higher return on your savings. To use Money Box, you'll need OP's user ID.

Whether your savings target is a holiday trip, a new computer, an electric bicycle or, say, all three simultaneously, Money Box enables you to save for your everyday dreams easily and without even noticing it.

Save when paying with a card

You can automatically save in your Money Box when paying with the following OP cards: OP Classic, OP Gold, OP Debit, OP Basic and OP Electron.

Simply activate Auto Save through card and an amount of your choice will be transferred to your Money Box target every time you pay with your card. If you have several savings targets, you can define for each target a specific amount that will be transferred in connection with each card payment. Please note that for OP Classic and OP Gold cards, the transfer is done when you pay with the debit feature.

If, for example, you choose three euros as your savings amount and use your card 15 times a month, you'll save 45 euros. That would mean 540 euros in a year. Your savings will build up without even noticing.


Use Money Box to start investing in mutual funds

Put your extra cash to work instead of keeping it idle on a bank account. Money Box provides an easy way to start investing in mutual funds. When you activate mutual fund investing in Money Box, your extra savings will be transferred from your Money Box account to the fund you have selected. Mutual fund assets have a higher expected return than accounts in the long term because the assets are invested in bond or equity markets.

You have seven different mutual funds to choose from. OP-Climate, OP-Clean Water and OP-Sustainable World are sustainability-themed funds. They invest in companies whose products and services help prevent the progress of climate change, improve access to clean water and promote social responsibility and good corporate governance practices. In addition, you can also choose between four cost-effective index funds: OP-World Index, OP-Finland Index, OP-Europe Index and OP-Nordic Countries Index.

For detailed instructions on how to start investing in mutual funds, see the bottom of the page. Please note that Money Box is offered only for those over 18 years of age because it allows investing in mutual funds.

  1. Log into OP-mobile or the service and go to Money Box.
  2. In Money Box, go to cash buffer settings and select investing in mutual funds.
  3. Choose a mutual fund for your investment from the available options. 
  4. When you have reached your target for your cash buffer, the extra money will be transferred weekly into the fund of your choice.

The funds and the deposit interest fall within the scope of deposit guarantee up to the amount prescribed by law. OP Financial Group member banks are considered as a single bank from the perspective of deposit guarantee.

OP cooperative bank owner-customers earn OP bonuses from:

  • Funds in savings accounts

  • Home loans, student loans and secured bank loans

  • Mutual funds and unit-linked insurance assets

  • Insurance premiums paid, such as home and motor vehicle insurance and continuous travel insurance

 OP bonuses are used for the bank’s service charges and insurance premiums.


Money Box is provided by OP cooperative bank. The card added to Money Box is provided by OP Retail Customers plc.