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Omistaja-asiakkaan lisäedut Additional benefits for owner-customers

As an OP cooperative bank owner-customer, you will get additional benefits on daily banking services from autumn 2023.
Plussa Add K-Plussa to your card

You can add the Plussa feature to all OP cards free of charge.
Sujuvat kaupat nainen ​A new way to buy and sell cars

Our OP Smart Contracts service allows you to safely conduct car sales, from creating a deed of sale all the way to registering a new vehicle.
Sustainable financing solutions for your company's turning points

Find out more about Green loan
Mies ja nainen nauravat yhdessä Invest in the wellbeing of your employees

With Health Insurance, or a company’s medical expenses insurance, your employees can access specialist and mental health services easily – and they can return to work sooner.

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

  • 19.9.2023 About to change your smart device? You can enable OP-mobile with your old device
  • 31.8.2023 OP Financial Group has placed a strong focus on financial crime prevention for many years
  • 25.8.2023 Emissions reduction targets for the energy, agriculture and residential properties sectors

Thinking about comparing insurance policies?

Ask us for a free insurance quote. We will make you a personal offer.

Avoid online fraud

How to identify online fraud and protect yourself from it? We will host a free webinar on the topic on 2 Oct. at 17–18. Welcome!
Kasvutuottotili

Fine interest on your savings

You can currently get an interest rate of up to 3.0–3.4% for your savings in the Growth Return Account. Saving in the account is easy and flexible. Find out more and open a Growth Return Account.

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 and OP Forest Appraisal

  • OP Smart Contracts

  • OP Self-employed service

  • Do the following in the case of fraud

Tools and calculators

  • Pohjola Claim Help

  • Loan calculator

  • Home loan calculator

  • Savings calculator

  • IBAN calculator

  • Insurance calculator

  • Motor vehicle insurance calculator

  • Reference calculator

  • Bonus calculator

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