|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|
Owner-customer's special price and additional daily services benefit
The OP Gold card's special price for owner-customers will be replaced with the owner-customer's additional daily services benefit. As an additional benefit for owner-customers, you will get daily banking services free of monthly charges for 1 October 2023–31 December 2024.
After 31 December 2024, the Gold card will be subject to a monthly charge based on the list of charges and fees.
Daily services include a payment card, additional services included in the card, an 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.
|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 19,38% (07/2023). 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 2,190.26 euros.