Benefits to owner-customers
As an OP cooperative bank owner-customer, you have access to significant additional benefits for investments in funds and saving through insurance, and you can invest in your OP cooperative bank's Profit Shares.
- 0.35% of your fund and insurance assets as OP bonuses in 2025
As an owner-customer, you earn OP bonuses with monetary value from funds and insurance assets. - Only owner-customers can invest in Profit Shares
By investing in Profit Shares, you benefit from your OP cooperative bank's success. As an owner-customer, you can invest in Profit Shares whose return target for 2025 is 4.5%.
Benefits to all customers – invest always inexpensively
At OP, you always invest inexpensively and maybe without fees – regardless of whether you are an owner-customer or not. All benefits and discounts are automatically available to you.
- Funds
Buying and selling units in almost all OP funds is free of charge.* Fund subscription and redemption fees are €0 to all customers. - Invest in stocks without monthly charges
You can open a book-entry account and equity savings account free of charge. Almost all service packages are available without a monthly charge. If you select a paid investor's service package for your equity savings account, you will receive it without any monthly charge for the current and next month.
| Service package | Saver | Investor |
|---|---|---|
| Equity savings account | €0 per month | €9,99 per month |
| Book-entry account | €0 per month | €0 per month |
- Saving through insurance
Additional investments under OP Unit-linked Insurance and switching between investments via digital channels is free of charge. - Inexpensive trading fees for book-entry account and Equity Savings Account
For a book-entry account, a trading fee of 0.10% (minimum €5) will be charged in the first quarter of trading. With an Equity Savings Account, you'll pay no trading fees for the first 30 days. After that, equity transactions in your book-entry account from 0.05% (minimum amount €3) and equity savings account from 0.08% (minimum amount €3). We also offer a 1% fee ceiling for domestic equity trading. - Stock recommendations and analyses
You have access to stock recommendations and analyses without any extra charge. To support your stock picking, make use of recommendations and extensive equity analyses of Finnish and foreign listed companies.
*Standard fees are charged for the following special common funds: OP-Public Services Real Estate, OP-Forest Owner, OP-Rental Yield, OP-Alternative Portfolio and OP-Private Equity.
