Nuorten omistaja-asiakkuus

Young people also benefit from owner-customer membership

Moving out on your own, starting studies and taking the first steps in your career are an exciting time. We will help you take care of your personal finances as you start your independent life. As an OP cooperative bank owner-customer, you always take care of your daily finances affordably. You also get discounts on insurance policies and services provided by our partners.

Benefits for young owner-customers

When you are our owner-customer and aged 18–29, you get the daily banking package starting from €0/month. The package includes a Current Account, payment card, and OP's user ID and digital services – everything you need for managing your daily finances.

Other owner-customer benefits include a student loan with no origination fee, provided you file your loan application at op.fi. You also receive interest on your Current Account and earn valuable OP bonuses from your use of our services. The bonuses are used to pay banking service fees and insurance premiums.

Taulukko nuoren omistaja-asiakkaan eduista englanniksi Taulukko nuoren omistaja-asiakkaan eduista englanniksi

Please note that all owner-customers will receive daily banking services without monthly charges until 31 December 2025. This benefit applies to both individual products and daily services packages. The prices shown in the table are valid after the free period.

Benefits also from our partners and for insurance policies

As an owner-customer, you get sizeable discounts on insurance to protect your life. OP bonuses you earn are also used to pay insurance premiums.

You also enjoy benefits offered by our partners all over Finland. For example, you get CityShoppari free of charge for one year. You can find all our partners’ benefits on OP-mobile under Customer info – Owner-customer / Owner Plus customer – Partner benefits.

Earn OP bonuses from investment funds and student loans

Did you know that you earn OP bonuses from student and home loans and investments in mutual funds? Thanks to the bonuses, you pay less for our services and save money for other needs. Until the end of 2025, you will get 40% more OP bonuses compared to the normal level of 2022.

Other benefits and discounts for young people and students

  1. Opening and pledging a rent deposit account free of charge for customers aged 18–26
  2. OP Classic credit card for higher education students without course credit requirements

Become an owner-customer

You can become an owner-customer by paying the cooperative contribution for membership. The amount of the contribution is 100 euros in most OP cooperative banks. There are no other membership fees. If you ever decide to revoke your owner-customer status, your member contribution will be refunded to you.

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

If you are not yet an OP cooperative bank customer and you have another bank's user identifiers, you can easily become our customer and an owner-customer at the same time by going online.