Daily banking services for adults

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.

Become our customer

Daily services packages

The price of the daily services package includes all daily transactions, and there are no monthly or annual charges associated with using the services. Those under 30 years of age pay a discounted price for the services. These services are included in the owner-customer’s daily services package:

  • Current Account
  • OP’s user ID and digital services
  • Card you have selected
  • 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

    • Credit limit

      2 000 - 20 000 €

    • Purchase Protection Insurance

      Purchase Protection Insurance in accordance with the Consumer Protection Act

    • Product Protection Insurance

      365 days for owner-customers

    • Travel Insurance

      Yes

    • Additional services for travelling

      Two free visits per year to an airport lounge, rental car insurance and emergency cash advance.

    • Event ticket insurance

      Max. €1,000 per month

    • Own customer service

      24/7

    Read more about OP Gold
  • 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

    • Credit limit

      2 000 - 20 000 €

    • Purchase Protection Insurance

      Purchase Protection Insurance in accordance with the Consumer Protection Act

    • Product Protection Insurance

      180 days for owner-customers

    Read more about OP Classic
  • 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

    FEATURES

    • Age / suitability

      For those aged over 15

    Read more about OP Debit
Check out our card recommendation for you

Two cards for smooth payments

As part of the daily services package, you get an OP Duo credit card without a monthly charge until the end of 2025. Owner-customers normally pay €2 and other customers €4 a month for the card.

  • Paying with a credit card is smart and secure. Having a second card can be an invaluable help if the card you normally use isn't working at a store or if it is lost or stolen.
  • It can make sense to use a second card for online purchases and streaming service payments. Then you can easily follow these payments and bills as they are separated from your other daily transactions.
  • Purchases you pay with OP Duo are covered by Product Protection Insurance if you're our owner-customer.

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

  • Credit limit

    2 000 - 20 000 €

  • Purchase Protection Insurance

    Purchase Protection Insurance in accordance with the Consumer Protection Act

  • Product Protection Insurance

    365 days for owner-customers

  • Best Price Protection

    Best Price Protection ensures that you won’t pay too much for your purchases.

  • Identity Theft Protection support

    Identity Theft Protection will help if your details fall into the wrong hands.

Read more about OP Duo

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.

  • Monitor your income and expenses conveniently on OP-mobile. Understand easily how much you spend on needs and wants.
  • 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.
  • 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.
Learn more about My finances services
Become our customer