Investment Charges and Fees

This page assembles our investment charges and fees. See the costs of funds, stocks, saving through insurance and structured products. Our owner-customers always invest at a lower cost.

Owner-customer benefits from investing

As an OP cooperative bank’s owner-customer, you’ll get comprehensive benefits from savings and investment services.

Charges and Fees

Become an owner-customer

Remember to make use of all benefits. Check the status of your owner-customer membership or become an owner-customer.

Owner-customers’ saving and investing benefits

As our owner-customer, saving and investing is especially worthwhile thanks to the excellent benefits you receive.

Your benefits when investing in funds or through insurance:

  • Buy and sell almost all OP mutual funds with no fees.*
  • You earn 0.25% OP bonuses a year from mutual fund and insurance assets.** In 2023, you also earn 30% more OP bonuses. 
  • Begin saving through insurance free of charge. 
  • Switch between investments, invest additional funds and change your payment and investment plan for OP Unit-linked Insurance and OP Savings Agreement free of charge in our digital services.  

Your benefits in equity and ETF investing:

  • Open an equity savings account or book-entry account free of charge.
  • You get a discount on equity trading and a 1% fee ceiling when trading in Finnish listed companies through a book-entry account The discounts apply in digital services.
  • Get access to free stock picks and analysis.
  • Get a discount on the service packages for savers and investors:
    Equity savings account: 
    Saver: €0/month (normally €2.99/month)
    Investor: €9.99/month (normally €14.99/month)
    Book-entry account: 
    Saver: €0/month (normally €2.99/month)
    Investor: €2.40/month (normally €5.39/month)

Other benefits:

  • Only owner-customers can invest in Profit Shares.

Remember to make use of all benefits:

*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.

**OP bonuses are automatically used to pay the bank’s service charges and insurance premiums. No OP bonuses are accrued from the R2 Crystal special common fund or institutional classes of funds. The following investment products linked to insurance assets do not accrue OP bonuses: JPM Russia A, JPM Emerging Europe Equity Fund, and BlackRock GF Emerging Europe Fund A. OP bonuses are accrued from unit-linked insurance policies, excluding Individual Unit-linked Insurance and Individual Capital Redemption Contracts.  

*Normal transaction costs will be charged for the following special common funds: OP-Public Services Real Estate, OP-Forest Owner, OP-Rental Yield and OP-Alternative Portfolio. No OP bonuses will accrue from the R2 Crystal fund nor from institutional classes of funds.

**Switch between insurance investment instruments in digital channels €0.

****The following investment products linked to the insurance assets do not bring OP bonuses from 1 April 2022: JPM Russia A, JPM Emerging Europe Equity Fund and BlackRock GF Emerging Europe Fund A.

Equity savings account, book-entry account and stock investment services are provided by OP cooperative bank. OP funds are managed by OP Fund Management Company Ltd, with OP cooperative bank acting as its agent. OP Unit-linked insurance is issued by OP Life Assurance Company Ltd, with OP cooperative bank acting as its agent.