As an OP cooperative bank owner-customer, you earn OP bonuses for using our banking and insurance services. The bonuses are paid into your OP bonus account each month. The OP bonuses and benefits for owner-customers will change significantly as of 1 January 2026, and in future, you will benefit from your bonuses even more. You can choose how you use your OP bonuses. The default selection is to use them for banking service charges and insurance premiums, as before. Also, the number of products and services that bring OP bonuses will grow further, and we will also increase the amount of bonuses you earn.