Invest your OP bonuses in a fund

Investing OP bonuses in a fund is a sound decision.
What's new

As an owner-customer of an OP cooperative bank, you can invest your OP bonuses in a fund as of 1 January 2026

The OP bonuses and benefits for owner-customers will be renewed in January 2026. You will be able to choose how to use your OP bonuses. Starting from 3 December 2025, you can make the selection to invest OP bonuses on OP-mobile. The bonuses will be transferred to a fund for the first time at the beginning of February.

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Invest your OP bonuses in a fund on OP-mobile. This way, you can benefit even more from the bonuses and get returns from them.

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Starting investing couldn't be simpler – just invest your OP bonuses. In addition to investing your bonuses, you can also start making additional monthly investments in a fund, and your wealth may grow even quicker.

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By investing OP bonuses, you earn even more bonus. You earn OP bonuses at a rate of 0.28% from almost all funds and unit-linked insurance. Index funds will earn you OP bonuses at a rate of 0.245%.

Invest OP bonuses in a fund

Seek returns with OP bonuses

By investing your OP bonuses, you can benefit even more, since bonuses invested in a fund can generate returns for you. Investing OP bonuses is easy. If you have racked up enough bonuses, the bonuses will be transferred automatically to a fund of your choice. By default, OP bonuses will be used for banking service charges and insurance premiums. In future, you can also choose to invest your bonuses in a fund. 

This way, OP bonuses can generate returns for you

Let's say that you accumulate 40 euros of OP bonuses per month. If you invest your OP bonuses in a fund every month and the expected return is 6%, you can gain a return of up to 8,626 euros in 20 years. If, in addition to the above, you make a monthly investment of 40 euros in the same fund, your return can reach up to 17,252 euros in 20 years. The figures in this example represent gross return, which means that costs or taxes are not taken into account. Try our compound interest calculator and see how much return your OP bonuses can generate.

How can I Invest OP bonuses in a fund?

You can invest bonuses in a fund in OP-mobile. Starting from 3 December 2025, you can make the selection to invest OP bonuses on OP-mobile. Any choices you have made by the end of December will come into effect on 1 January 2026. The bonuses will be transferred to a fund for the first time at the beginning of February. 

  1. On OP-mobile, go to Customer info and select Owner-customer or Owner Plus customer.
  2. Select Uses of OP bonuses.
  3. Select Mutual fund investments and then select Accept.
  4. Determine how much you wish to invest and select Continue.
  5. Learn more about the funds in the fund selector or view the entire range of funds by selecting All funds.
  6. When you have found a fund you like, select it.
  7. Select the asset management account for your investments. OP bonuses first transfer from your OP bonus account to a management account, and from there automatically to  a fund.
  8. Study the agreement, the terms and conditions and the Key Information Document and approve them. Select Buy.
  9. You can also start a monthly investment in the same fund also without OP bonuses.

You can also make the selection to invest OP bonuses on the op.fi service and through our Customer Service. Please note that investing requires choosing a fund and accepting the agreements on OP-mobile. You can stop investing your bonuses at any time and also resume it on OP-mobile.

Which fund should I invest OP bonuses in?

You can invest OP bonuses in almost all funds, except special common funds. Study our wide range of funds in the fund listing or use the fund selector. The fund selector suggests funds suitable for different investment preferences: conservative, moderate or aggressive. The fund selector will be available on OP soon.

Your funds earn you OP bonuses

You earn OP bonuses at a rate of 0.28% from almost all funds and unit-linked insurance. Index funds will earn you OP bonuses at a rate of 0.245%. In the future, the OP Euro mutual fund, institutional classes and third-party funds do not contribute towards OP bonuses.

By investing your OP bonuses in a fund, you gain more bonuses that benefit you. Make a sound decision and invest your OP bonuses in a fund.

Advertisement. Investment services are provided by OP cooperative banks. Investments always involve risks. The value of investments can rise and fall, and an investor may lose part or all of the money invested. Past performance does not predict future returns. OP funds are managed by OP Fund Management Company Ltd. Before you make a final investment decision, read more in the fund’s Key Information Document, the fund prospectus and the summary of investors' rights in mutual funds. These are available in Finnish, Swedish and English at the subscription venues and via the op.fi service, and provide more details about the risks and costs and the fund's characteristics, among other information. OP Unit-linked Insurance and OP Capital Redemption Contract are issued by OP Life Assurance Company, with OP cooperative bank acting as its agent. You earn OP bonuses from unit-linked insurance policies, excluding individual unit-linked insurance policies and individual capital redemption contracts. The principles of contribution towards OP bonuses from funds linked to insurance assets will be harmonised with direct investments. The following funds linked to insurance assets do not bring OP bonuses: third-party funds such as JP Morgan funds, structured bonds/notes and institutional class funds.