|BASIC FEATURES OF OP GOLD|
|Debit and credit features, pay from your bank account or make use of the interest-free billing period offered by the credit feature.|
|Credit limit 2,000–20,000 euros.|
|Include the K-Plussa feature on your card.|
OP Gold pricing
|Total of card and daily services||Price|
|Owner-customers||€8 per month|
|Other customers||€13.25 per month|
Price benefit for owner-customers
Owner-customers applying for a new OP Gold card between 15 Mar and 31 Dec 2023 now get the daily services package at 0 €/month for the first 6 months. If you also have another OP Visa or OP Duo card, the listed monthly charges apply to it.
Daily services include the payment card, additional services included with the card, account and OP's digital services. Pricing for the Gold card without daily services can be found in our list of charges and fees. For owner-customers, the service charges are primarily debited from OP bonuses.
Read more about the daily services package
List of charges and fees
|Interest and charges|
|Interest if the credit has debt with interest||3-month Euribor + 8.95%|
|Account service charge if the credit has debt with interest||€3.50 per month|
|PPaper invoice surcharge if paper invoices are selected instead of e-invoices||€3 per invoice|
The effective interest rate calculated for used credit of 2,000 euros is 18,84% (04/2023). 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 2.95 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 2,184.81 euros.
Terms and conditions for OP-Visa-credit (pdf)
General Terms and Conditions for Payment Cards (pdf)
Consumer credit information (pdf)