|OP Basic OP Duo features|
|Reliable and international Mastercard.|
|A credit feature, in other words the interest-free billing period available to you is 35 days on average.|
|Credit limit 2,000–20,000 euros.|
|You can add a K-Plussa feature to your card.|
OP Duo card costs
|As part of the owner-customer’s daily services package, if you already have one of the OP's Visa-card (OP Debit, OP Classic, OP Gold).||€2 euros per month|
|Without the daily services package or without an OP's Visa-card.||€4 per month|
Daily banking services package includes a current account with an online bank statement, OP's digital services and payment card. As an OP cooperative bank owner-customer, you’ll get services at a lower monthly cost. OP bonuses are primarily used to offset service charges.
|Interest and charges|
|Interest in case the credit has debt with interest based on||a 3-month + 8,95 %|
|Account service charge if the credit has debt with interest||€3.50 per month|
|Paper bill surcharge if paper bills are selected instead of e-invoices||€3.00 per bill|
The effective interest rate calculated for used credit of 2,000 euros is 21,10 % (10/2023). The calculation does not take into account the owner-customer's or other discounts. This calculation is based on the assumption that the card’s monthly charge is 4 euros and the monthly account service charge 3.50 euros, free of charge e-invoicing is in use, that the credit interest rate, fees and charges remain constant throughout the credit period, and the credit is repaid in 12 identical monthly instalments. The estimated total amount payable is 2,206.43 euros.