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Growth Return Account

Flexible and safe reserve account for your personal finances

Growth Return Account is a great reserve account for your finances, suitable for saving for a holiday or for unexpected expenses. Open this type of account on OP eServices, right now if you wish.

  • Your savings are always available to you when you need them. You can withdraw money from this account free of charge four times a year.
  • You can make a single deposit or individual smaller deposits.
  • The deposit interest rate will be a minimum of 0.15% and a maximum of 6% until 31 October 2020. On 1 November 2020, we will decrease the minimum interest rate and the fixed interest rate of the first tier to 0%.
  • The maximum deposit into this account is 300,000 euros
  • Account agreements opened online are stored in an electronic archive where they remain available for reading and printing

Funds in a Growth Return Account generate OP bonuses. Learn more under the section ‘Owner-customer benefits and OP bonuses through banking services’!

“You can make a deposit into your Growth Return Account whenever you have some extra money. Your money is available whenever you need it.“

Tarja Rostén‚ Service Manager, Länsi-Suomen OP
Deposit interest rate and cash withdrawal

The interest rate of the Growth Return Account can rise as the deposited amount increases.

Step 1

Fixed at 0,150 %

€0 - 9 999,99 euros

Step 2

3-month Euribor less 0,90 percentage points

€10 000 - 49 999,99 euros

Step 3

3-month Euribor less 0,50 percentage points

€50 000 - 300 000,00 euros

The account has three steps: the first step has a fixed interest rate, while on the other two the interest rate is tied to the 3-month Euribor 360. The total deposit will earn interest at the rate determined by the step attained and according to the changes in the deposited amount and market interest rate. The interest is calculated on the daily balance. The deposit interest rate will be a minimum of 0.15% and a maximum of 6% until 31 October 2020. On 1 November 2020, we will decrease the minimum interest rate and the fixed interest rate of the first tier to 0%.

You can withdraw cash or transfer money to another account free of charge four times a year. The chargeable withdrawals are subject to a charge in accordance with our List of Service Charges and Fees valid from time to time.

The funds and the deposit interest fall within the scope of deposit insurance up to the amount prescribed by law.  OP Financial Group banks are considered a single bank from the perspective of deposit insurance.

Account terms and conditions

Take a look at the General terms and conditions for accounts.

Owner-customer benefits and OP bonuses through banking services

OP bonuses

As an owner-customer, you will earn OP bonuses for example from:

  • loans
  • savings and investments
  • purchases you have paid with credit
  • insurance premiums for home, family and motor vehicle policies.

From 1 November 2020, OP bonuses will accrue from:

  • home loans, secured bank loans, student loans
  • savings and investment accounts
  • mutual fund units and unit-linked insurance
  • non-life insurance bills

The change on 1 November 2020 means that no OP bonuses will accrue from:

  • deposits in current accounts
  • unsecured consumer loans (Flexible Consumer Credit, Special Consumer Credit, One-off Credit and Overdraft Facility)
  • OP hire purchase
  • Purchases paid using OP Visa as a credit card, the balance of credit with interest of OP-Visa and OP-Mastercard cards

OP bonuses are used for the bank’s service charges and insurance premiums.


The account is granted by the OP cooperative bank.