|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|
Daily services include the payment card, additional services included with the card, account and the op.fi online service. 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|
If an owner-customer’s daily service package is in use, the effective interest rate calculated for 2,000 euros of credit card balance is 15.07% (6/21). This calculation is based on the assumption that the card’s monthly charge is 2.95 euros and the monthly account service charge is 3.50 euros per month, that the account is using the free-of-charge e-invoices, and that the credit interest rate, fees and charges remain constant throughout the credit period, and that the credit is repaid in 12 identical monthly instalments. The estimated total amount payable would be 2,156.15 euros.