Owner-customer benefits from saving and investment

Starting to save and invest could be the most financially rewarding decision in your life. As an OP cooperative bank owner-customer, it is worthwhile investing because of lower cost. The more you invest, the more you make use of benefits.

Did you know that, in 2024, you’ll get 40% more OP bonuses from mutual funds and insurance assets?


As an owner-customer, you invest in stocks with no monthly charges

You are entitled to a discount on monthly charges for the service packages of the equity savings account and the book-entry account. All benefits and discounts are automatically available to you.

Service package Saver Investor
Equity savings account €0 /mo (normally €2.99/mo) €9.99 /mo (normally €14.99/mo)
Book-entry account €0 /mo (normally €2.99/mo) €0 /mo (normally €5.39/mo)

Investment services are provided by OP cooperative banks. OP mutual funds are managed by OP Fund Management Company Ltd. OP Unit-linked insurance is issued by OP Life Assurance Company Ltd, with OP cooperative bank acting as its agent.

*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. 

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

***OP bonuses are automatically used to pay the bank’s service charges and insurance premiums. The R2 Crystal special common fund or institutional classes of funds do not contribute towards OP bonuses. 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