Current account

The deposit rate for private customers as owner-customers is 0.100% and 0.000% for other customers. For owner-customers, interest rate is paid for those value days during which all account holders have been owner-customers.

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 as a single bank from the perspective of deposit insurance.

The General Terms and Conditions for Accounts for Private Customers apply to current accounts.

You can easily change spending/withdrawal limits of your accounts online. Considering that such daily limits make it safer to use the account, you should set them. You can change the limits temporarily when you make bigger purchases, for example.

You can set two types of spending/withdrawal limits for your account:

• For the biggest possible one-time withdrawal 
• For the total daily withdrawals, or the maximum amount of money you can withdraw within one day.

The spending/withdrawal limits relate to:

• cash withdrawals
• real-time credit transfers and
• card payments which are automatically checked against during payment whether the account has sufficient funds.

The spending/withdrawal limits do not affect the amounts submitted to the payment service payable on the due date.

Further confirmation required for change in spending/withdrawal limits

Further confirmation is required to change spending/withdrawal limits. We will send a text message to your mobile phone and you will check the information in the message before you accept the change. You should use the key code matching the serial number in the message to confirm the change. So keep the list of key codes close at hand when you change the spending/withdrawal limits. The change will take effect immediately after you have accepted further confirmation.

Also set spending/withdrawal limits for each card

It is advisable to set card-specific spending/withdrawal limits with which you specify daily limits for cash withdrawals, POS payments and online payments.

You can change the limits by logging into OP eServices, calling at 0100 0500 or visiting a Group member cooperative bank branch.

You can set the limits separately for your card's debit and credit sides.

E-salary is an electronic payslip on OP eServices. To use the service, you will need your personal online user identifiers.

Using the E-salary service requires that your employer has adopted the service by agreeing on it with the online payroll operator.

Benefits from E-salary service

• Payslips are always kept safe and you can easily browse them.
• The payslips are stored in an electronic archive for 18 months.
• You can print the payslips out whenever needed or save them to your own computer.
• An electronic payslip is eco-friendly.
• E-salary is a free service.

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.