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​When every moment is precious

OP cooperative bank’s owner-customer membership – for your life
Secure your loan and peace of mind, just in case

Life can bring surprises – luckily, you can prepare for them. We provide an easy way of protecting your personal finances and ability to repay loans.
Kerrostalo Safety and peace of mind for the lessor’s everyday life

Lessor's Insurance and its new additional covers protect everything you should insure as a lessor.
Mies ja puhelin OP Business mobile

Have you tried our banking app for companies? With OP Business mobile, you can do your banking easily and safely – even during your holiday.
Health Insurance ensures a smooth clinical pathway for you and your employees

When the care is high-quality and seamless, you can return to the important matters quickly – including work.

OP’s banking services

  • Become OP’s customer

  • Become OP’s corporate customer

  • Owner-customer benefits

  • Savings calculator

  • Loan calculator

Pohjola Insurance services

  • Insurance for private customers

  • Insurance for corporate customers

  • Request an offer for several insurance products

  • Did you encounter a loss? Navigate to Claim Help

  • Learn more about Pohjola Insurance

What's new

  • 23.9.2022 Information regarding the situation of travel agency Detur for Pohjola Insurance customers
  • 19.9.2022 What’s new: you can submit death estate bills for payment online
  • 15.9.2022 We will pay assets from the OP-Russia mutual fund

Insurance for pedigree and mixed-breed dogs

Pohjola Dog Insurance covers veterinary expenses throughout your dog’s life. Read more and buy!
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Good deeds across time

As an owner-customer, you can influence the future of your area. What sustainability actions would you like us to take?

Planning to buy a home?

Request a home loan offer in good time, it´s free of charge and does not oblige you to take out a loan. Read more about home loan!

Most used banking services

  • Home loan

  • Best deal on your home loan

  • Student loan

  • Car loan

  • ASP loan

  • All loans

  • Debit cards and credit cards

  • E-invoice

  • Mobile Money

Most used insurance services

  • Car insurance

  • Motor liability insurance

  • Motorcycle insurance

  • Home insurance

  • Life insurance

  • Health insurance

  • Baby insurance

  • Dog insurance

  • Request an insurance offer

Most used corporate services

  • Cash management

  • Netbank for corporate customers

  • Merchant services

  • Working capital

  • Services for entrepreneurs

  • Insurance for entrepreneurs

  • Liability insurance

  • Workers’ compensation insurance

  • Corporate loan

Most used saving and investment services

  • Funds

  • Index funds

  • Stocks and investing in stocks

  • ETF investing and ETFs

  • Saving through insurance

  • Owner-customer benefits from saving and investment

  • Where should you invest in right now?

  • OP Investment Partner

  • Profit Share

Digital services

  • OP-mobile

  • OP Business mobile

  • Electronic Signature Service

  • OP Home

  • Pivo

  • OP Private

  • OP Forest

  • OP Forest Appraisal

  • OP Self-employed service

  • Do the following in the case of fraud

Tools and calculators

  • Pohjola Claim Help

  • Loan calculator

  • Home loan calculator

  • IBAN calculator

  • Insurance calculator

  • Motor vehicle insurance calculator

  • Reference calculator

  • Bonus calculator

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