For what are OP bonuses used?
The OP bonuses you have earned will be used to pay for your banking and insurance services.
The OP bonuses earned in the previous month will always be shown in your OP bonus account by the middle of the next month. The bonuses are used to pay for service charges and insurance bills in the order that they arise. OP bonuses are tax-exempt and therefore used automatically.*
Bonuses are used to pay for
- daily banking services (current account, OP digital services, OP payment card)
- service and origination fees for secured bank loans
- insurance policies such as premiums for home, family and vehicle insurance
- custodial and portfolio management fees for savings and investments
- fees for legal services
- OP Koti real estate commissions
As an OP cooperative bank owner-customer, you will get daily banking services without monthly charges until the end of 2025. During the validity of benefit, the bonuses you earn will not be used to pay for monthly charges.
Where can I see how much OP bonuses I have earned, and how they have been used?
As an owner-customer, you can check your earned bonuses in OP-mobile and the op.fi service as soon as you log in.
The balance of your bonus account is shown below your account details. Click on the balance to see your bonus account's transactions.
OP-mobile allows you to closely examine which services have annually contributed towards your OP bonuses, and how these bonuses have been used. You can find this information using the following path:
1. Log into OP-mobile
2. In the bottom right corner, select Customer info
3. Select Owner-customer / Owner Plus customer, and then OP bonuses
You will start earning OP bonuses from the moment you become an owner-customer. You can easily check whether you are an owner-customer.