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Daily banking services

Owner-customer's versatile package for daily banking

Daily banking services for €3.95 per month

As an OP owner-customer, you get a current account, OP eServices and OP-Visa card for €3.95 per month. For other customers, the cost is €7.95 per month.


Coverage for your card purchases

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

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 them at a lower cost: current account, OP eServices and OP-Visa card for €3.95 per month. For other customers, the cost is €7.95 per month.

If you are under 26 years, you get our daily banking services and OP-Visa Credit/Debit, OP-Visa Debit or OP-Visa Electron for free.

OP bonuses will be used for service fees and insurance premiums of OP cooperative bank’s owner-customers.

Read more about OP bonuses >


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. 

Product Protection Insurance is free of charge and comes ready with all owner-customer OP-Visa, OP-Visa Gold, OP-Visa Platinum and OP-Mastercard credit cards. 



The package for daily banking services includes

  • A current account* with recurring payments into the account**

  • OP eServices

  • an OP-Visa, OP-Visa Electron, OP-Visa Debit or OP Visa Gold card***

  • online bank statement.

*) Free of charge for owner-customers in that OP cooperative bank in which all holders of the account have an owner-customer membership.

**) 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 €12.75 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. 

A basic payment account is subject to a monthly charge in line with our list of charges and fees.* 

* If you use an OP-Visa Electron card and OP online banking services in addition to the basic payment account, the monthly charge of one basic payment account will be included in the monthly charge of the Basic Payment Account Package.

* A basic payment account is free of charge for those under 26 years. 

For more information on the basic payment account package, call our telephone service at 0100 0500 (Mon–Fri 8am–7pm).

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