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Daily banking services

Owner-customer's versatile package for daily banking

Daily banking services for €2.95 per month

As an OP owner-customer, you get a current account, OP eServices and OP-Visa for €2.95 per month (normally €5.45).


Coverage for your OP-Visa card purchases

Card purchases you have made with OP-Visa are covered by insurance during six months if you are our owner-customer.


Interest on current account funds

For an owner-customer's current account, the deposit interest rate is 0.10%. For other customers, the rate is 0.00%.

Daily banking services for owner-customers

Managing your daily finances is easy with our convenient banking services. If you are an owner-customer, you get a 45% discount: current account, OP eServices and OP-Visa card for just €2.95 per month (normally €5.45). If you are under 26 years, you get our daily banking services and OP-Visa Debit or OP-Visa Electron for free.

For a current account, deposit interest rate is 0.10% for owner-customers and 0.00% for other customers. Owner-customers earn OP-bonuses from funds in their current account and purchases they paid by OP-Visa credit. OP-bonuses are automatically used for e.g. banking service charges and insurance premiums.

Coverage for your OP-Visa card purchases

As an owner-customer, you will get Product Protection Insurance for your OP-Visa card free of charge. It covers your card purchases for six months from the time of purchase worldwide, also in online stores. You can enjoy this owner-customer benefit by actively purchasing with your OP-Visa card. The insurance covers both credit and debit card purchases. 

The insurance is included in the following cards that can be included in an owner-customer's daily banking service package: OP-Visa Credit/Debit combination card and OP-Visa Gold.



The package for daily banking services includes

  • a current account*
  • OP eServices
  • an OP-Visa, OP-Visa Electron, OP-Visa Debit or OP Visa Gold card
  • online bank statement.

*) A current account with recurring payments, meaning that incoming payments on your accounts total at least 500 euros in three months. All payments are taken into consideration here, except transfers between your own accounts.

**) Daily banking services for owner-customers with an OP-Visa Gold card €8 per month (normally €10.45 per month).

The basic payment account package, which is more limited than the daily banking services package, suits you if you only need a statutory basic package for daily banking.

The package contains

  • a basic payment account – this current account is subject to statutory terms of termination
  • OP-Visa Electron payment card
  • online service agreement and user identifiers

You are entitled to the basic payment account package if you are legally resident of an EEA member state. For more information on the basic payment account package, call our telephone service at 0100 0500 (Mon–Fri 8am–7pm).

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