How do I check whether I’m an owner-customer?

If you are an OP cooperative bank's customer and have OP's user ID, you can conveniently check on the op.fi service whether you are an owner-customer.

  1. Log in to the op.fi service
  2. Click your name on the top right-hand corner
  3. Select Oma profiili (My profile)
  4. The owner-customer membership is shown on this page if you’re an owner-customer

On OP-mobile, you’ll find the information after logging in.

  1. On OP-mobile, scroll down and select Other
  2. After that, My profile
  3. Under My customer relationship, you can check whether you are an owner-customer

How can I become an owner-customer?

You can become an owner-customer by paying a member cooperative contribution which is 100 euros in most banks. There are no other membership fees.

You can also give owner-customer membership as a gift to another person. Contact your OP cooperative bank for the related instructions.

If you are an OP cooperative bank's customer and have OP's user ID, you can become an owner-customer by logging into the op.fi service.

If you are not yet an OP cooperative bank’s customer and you have another bank’s user identifiers, you can become a customer without visiting a branch.

Becoming an owner-customer and membership cooperative contribution

Becoming an owner-customer and member contribution

Your current customer relationship and any user ID in your use affects you becoming an owner-customer.

  • If you are an OP cooperative bank’s customer and have OP’s user ID, you can become an owner-customer by logging into the op.fi service. Become an owner-customer
  • If you are an OP cooperative bank’s customer but you do not have OP’s user ID, start by booking an appointment Book an appointment
  • If you are not an OP cooperative bank’s customer but you have another bank’s user identifiers and are interested in becoming an OP cooperative bank’s customer, become our customer online Become our customer easily online

Membership cooperative contribution

When joining us, you will pay an ordinary cooperative contribution as a one-time contribution, no other payments exist. In most banks, the amount of the membership cooperative contribution is 100 euros. You can find the amount of the membership cooperative contribution on the owner-customer application and in your OP cooperative bank.

If ever you decide to stop being an owner-customer, your membership contribution will be refunded to you in full. The cooperative contribution will be refunded after one year has lapsed from the end of the financial year during which the owner-customer membership was terminated.

However, OP cooperative banks have the right to refuse to refund the contributions according to the bank's rules. You can check the rules of the OP cooperative bank on the bank's op.fi page or in the head office.

Who can become an owner-customer?

Any person, entity or foundation using OP Financial Group’s services, irrespective of their nationality, can become an owner-customer.

Child as an owner-customer

A child can become an owner-customer. All guardians of the child sign together their underage child’s application for an owner-customer membership. By doing so, the parents also give their consent that their child will begin to earn OP bonuses.

If the membership contribution is paid using proceeds of the child’s own work, the child can him/herself sign the membership application and pay the membership contribution.

Termination of owner-customer relationship

Owner-customer terminates the membership

The owner-customer has, at any time, the right to terminate their owner-customer membership by informing their OP cooperative bank of this in writing. The owner-customer membership termination date is the date on which the OP cooperative bank has received the termination notice.

Death of owner-customer

An owner-customer membership will terminate on the death of the owner-customer. In the distribution or partition of the deceased person’s estate, the death estate can transfer the deceased person’s owner-customer membership, generally either to widow/widower or heir.