Owner-customers and benefits
Benefits throughout your lifeDaily banking services
As OP cooperative bank owner-customer, you get versatile daily banking services at a considerable discount and current accounts free of charge in the OP cooperative bank whose owner-customer you are.
Saving and investing
New benefits and discounts on investment for owner-customers help you realise your dreams, whether they are small or big. To start investing may be the most lucrative decision in life.
Insurance
As owner-customer, you’ll get considerable discounts and plenty of benefits on your insurance products that secure your life. Moreover, earned OP bonuses are automatically used for the payment of your insurance bills.
- OP-bonuses
Only OP cooperative bank owner-customers earn OP bonuses for using our services. They will be automatically used to cover, for example, banking service charges and insurance bills.
Read more and calculate your OP bonuses
- Owner Plus service
We offer the Owner Plus service to OP cooperative bank owner-customers who use a wide range of our banking and insurance services.
You get convenience for your everyday life and the best benefits among the first.
Read more
- Only owner-customers can invest in Profit Shares
A Profit Share is an investment in your OP cooperative bank’s equity capital. As an owner-customer, you can invest in your bank and earn competitive interest on your investment.
Learn more about Profit Shares
- Benefits provided by our partners on OP-mobile
Changing national and local benefits and events of our partners.
Read more about benefits by our partners
- All owner-customer benefits and discounts are now on OP-mobile
Now you can see owner-customer OP bonuses, discounts on banking and insurance services, as well as our partners’ offers, easily on OP-mobile. If you don’t yet have OP-mobile, you can download it from your device’s app store.
Benefits throughout your life
- Get started with benefits instantly by becoming an owner-customer. You can become an OP cooperative bank’s owner-customer by paying a member cooperative contribution which is 100 euros in most banks. There are no other membership fees.
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If you are an OP cooperative bank’s customer and have OP’s user ID, you can easily check your owner-customer membership by logging into the op.fi service. If you are not yet an OP cooperative bank’s customer and you have another bank’s user identifiers, you can become a customer without visiting a branch easily online.
- Benefits and discounts offered by OP cooperative banks on banking and insurance services are used by 2 million owner-customers each year. OP Financial Group cooperative banks pay out some 250 million euros in bonuses each year to their owner-customers.