Pay for things the easy way
Pay handily at the checkout, online and to friends. Our daily services package includes one or two cards, an account, and OP User ID and digital services. Your card can double as a K-Plussa loyalty card — just have K-Plussa added, free of charge.
Keep your finances on the right track
Being a customer of OP entitles you to more than just a card, account and digital services: you can use our range of services for managing your finances and saving. These include My financial balance and Money Box.
Security if surprises occur
As an owner-customer, you get Product Protection Insurance cover, free of charge, for purchases made with the OP Classic, OP Gold or OP Platinum card.
Daily banking services for owner-customers without a monthly charge
You will get daily banking services without monthly charges until the end of 2025. The normal charge for daily banking services is from €3.95 per month for owner-customers and from €8.25 per month for other customers.
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Credit / Debit
OP Gold
Owner-customer’s daily services package with OP Gold card until 31.12.2025
€0 per month
Normal price €8 per month
Charge for others €13.25 per month
FEATURES
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Credit limit
2 000 - 20 000 €
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Purchase Protection Insurance
Purchase Protection Insurance in accordance with the Consumer Protection Act
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Product Protection Insurance
365 days for owner-customers
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Travel Insurance
Yes
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Additional services for travelling
Two free visits per year to an airport lounge, rental car insurance and emergency cash advance.
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Event ticket insurance
Max. €1,000 per month
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Own customer service
24/7
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Credit / Debit
OP Classic
Owner-customer’s daily services package with OP Classic card until 31.12.2025
€0 per month
Normal price €3.95 per month
Charge for others €8.45 per month
FEATURES
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Credit limit
2 000 - 20 000 €
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Purchase Protection Insurance
Purchase Protection Insurance in accordance with the Consumer Protection Act
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Product Protection Insurance
180 days for owner-customers
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Debit
OP Debit
Owner-customer’s daily services package with OP Debit card until 31.12.2025
€0 per month
Normal price €3.95 per month
Charge for others €8.25 per month
Credit
OP Duo
OP Duo as part of the daily services package for owner-customers
€0 per month
Normal charge €2 per month
Charge for others €4 per month
FEATURES
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Credit limit
2 000 - 20 000 €
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Purchase Protection Insurance
Purchase Protection Insurance in accordance with the Consumer Protection Act
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Product Protection Insurance
365 days for owner-customers
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Best Price Protection
Best Price Protection ensures that you won’t pay too much for your purchases.
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Identity Theft Protection support
Identity Theft Protection will help if your details fall into the wrong hands.
Tools for the management of personal finances and saving
Understanding your income and expenses is the foundation for managing your finances. Learn to manage your finances holistically.
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Monitor your income and expenses conveniently on OP-mobile. Understand easily how much you spend on needs and wants.
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Money Box lets you save for your everyday dreams and surprise expenses almost without you noticing. Specify a small amount that will be transferred to Money Box whenever you pay with your card.
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The Savings Account is a flexible and easy account for productive saving. Transfer any extra funds in your Current Account to the Savings Account, for example. This is how you get a higher interest rate for your Savings Account.
