More benefits for owner-customers in 2025

An owner-customer membership with the OP cooperative bank will bring stability to your daily finances. We will continue the familiar owner customers' daily banking services benefit in 2025 and provide a Current Account, one or several cards, and OP's user ID and digital services without any monthly charges until the end of next year.

This benefit will come automatically if you are an owner-customer of the bank and use those services covered by the benefit.

The benefit includes:

A Current Account
One or several cards
OP's user ID, OP-mobile, the op.fi service and other digital services

You'll get a personal customer's daily banking services without monthly charges from 1 January until 31 December 2025 at the OP cooperative bank of which you are an owner-customer. You can easily check the validity of your owner-customer membership.

Check your owner-customer membership

The benefit applies to individual products and daily services packages. The value of the benefit depends on the products and services you use. For example, the price of the daily services package for owner-customers starts from €3.95 per month and for owner-customers aged under 30 from €0 per month.

Learn more about daily banking services

As an owner-customer, you will enjoy various benefits and discounts

As an owner-customer, you always get the most out of your banking and insurance services and the OP bonuses you earn. For example, you get interest on your Current account, you can invest at a lower price than others, and you can receive a sizeable discount on insurance policies that protect your life. Our partner benefits will also bring joy to your everyday life. You can find them on OP-mobile.

Read more about owner-customer benefits

More information about fixed-term benefits for daily banking services

By when should I become an owner-customer to use the benefit?

The benefit is effective during October 2023 – December 2025. If you become an owner during that period, you'll get the benefit from the month when you have become an owner-customer. Because of the timing of billing, you should be an owner-customer before the 25th of the month. If you become an owner-customer after that, you'll get the benefit starting from the next month.

How are the service charges for daily banking services debited? From which month onwards will there be no debited service charges to my OP bonus account?

We will debit owner-customer service charges primarily from OP bonuses. Service charges will be debited one month afterwards, meaning that you can see debited service charges to your September OP bonus account in October. Considering that the benefit in service charges is valid from October 2023 to December 2025, debits from the OP bonus account will not be performed between November 2023 and January 2026. In OP-mobile, the bonus account can be found by selecting Customer info – Owner-customer / Owner Plus customer – Bonus account. In the op.fi service, the bonus account can be found under Daily finances, in the Accounts menu.

I have one card but would like to have a second card. Will I get the benefit for a new card too?

Yes, you will get the benefit for new cards that you have got during the validity of the benefit.

Will I get the benefit for corporate services too? I am an entrepreneur and an owner-customer as well.

Owner-customer benefits apply to personal customers. This means that the benefit is valid in your personal use of services (the services are linked to your personal ID). You your company uses services with its business ID, the benefit is not valid for these services.

The Current account is already now free of charge for owner-customers. Why a monthly charge has been debited from my Current account?

Current accounts are free of charge for owner-customers at their own OP cooperative bank. If the account has several holders, it will only be free of charge if all account holders are owner-customers of the OP cooperative bank holding the account.