Invest your OP bonuses in a fund

OP cooperative bank owner-customers benefit even more from their bonuses. Start investing your OP bonuses on OP-mobile.
What's new

You can now invest your OP bonuses in a fund

As an owner-customer, you can now choose how you wish to use your OP bonuses. Choose investing in a fund and you can get a return on your bonuses. OP bonuses can be transferred to funds for the first time at the beginning of February.

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1

Invest your OP bonuses in a fund on OP-mobile

By investing bonuses in a fund, you can get a return on your investment and benefit even more. 
 

2

Start investing easily with just 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 faster. 

3

By investing OP bonuses, you earn even more bonuses from the funds you own

You earn OP bonuses at a rate of 0.28% from almost all funds and unit-linked insurance plans. Index funds will earn you OP bonuses at a rate of 0.245%. 

Invest OP bonuses in a fund on OP-mobile

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 with OP bonuses is simple, as your bonuses are automatically transferred to the investment fund of your choice each month, provided that your bonus account has sufficient funds. By default, OP bonuses are used for banking service charges and insurance premiums. Now, you can choose to invest your bonuses in a fund. 

This way, OP bonuses can generate returns for you

Let's say that you earn 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 over 20 years. If, in addition to the above, you make a monthly investment of 40 euros in the same fund, your returns could be 17,252 euros over 20 years. 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 on OP-mobile. 

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. 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 in 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. You can find the fund selector on OP-mobile.

Your funds earn you OP bonuses

Owner-customers earn OP bonuses at a rate of 0.28% from almost all funds and unit-linked insurance plans. Index funds will earn you OP bonuses at a rate of 0.245%. 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.