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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 rate is a minimum of 0.150% and a maximum of 6.000%.
  • 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. Read more under “Enjoy benefits”!

“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 rate is a minimum of 0.150% and a maximum of 6.000%.

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
  • funds in accounts
  • purchases you have paid with OP-Visa credit
  • insurance premiums for home, family and motor vehicle policies.

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

Owner-customer benefits

  • As owner-customer, you enjoy a higher current account interest rate: 0.10% (normally 0.00%).
  • As our owner-customer, you can choose a long-term fixed interest rate for your new home loan throughout the loan's term, up to 25 years. This is how you can ensure that your interest charges for your home loan will remain unchanged throughout the loan term.
  • As owner-customer you can get a student loan with no service charge in case your loan application is filed at op.fi.


The account is granted by the OP cooperative bank.