Service packages for adults
Banking services for easy payment and daily banking.Pay for things the easy way
Pay handily at the checkout, online and to friends. Our daily banking services include a payment card, account and online service. Your card can double as a K-Plussa loyalty card — just have K-Plussa added, free of charge.
Keep your finances on the right track
Being a customer of OP entitles you to more than just a card, account and online services: you can use our range of services for managing your finances and saving. These include My financial balance and Money Box.
Flexibility and security if surprises occur
As an owner-customer, you will have six months of Product Protection Insurance cover, free of charge, for purchases made with the OP-Visa Credit/Debit, OP-Visa Gold or OP-Visa Platinum card.
Daily banking packages
Choose a daily banking package for use with the OP-Visa Credit/Debit or OP-Visa Gold card.
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Daily services with the OP-Visa Credit/Debit card |
Daily services with the OP-Visa Gold card |
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Current account |
Current account |
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OP eServices |
OP eServices |
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OP-Visa Credit/Debit payment card*, including: |
OP-Visa Gold payment card, including: |
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Contactless payment |
Contactless payment |
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Banking and credit features |
Banking and credit features |
| Purchase Protection Insurance for credit card purchases | Purchase Protection Insurance for credit card purchases |
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Product Protection Insurance (for owner-customers) |
Product Protection Insurance (for owner-customers) |
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Option of adding K-Plussa loyalty feature |
Option of adding K-Plussa loyalty feature |
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Option of adding your card to Apple Pay or Pivo |
Option of adding your card to Apple Pay or Pivo |
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Travel insurance for you and your family |
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Rental car insurance |
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Option of buying access to airport lounges |
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Emergency cash advance |
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OP-Visa Gold card customer service 24/7 |
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Identity theft protection against identity fraud (will end on 31 October 2021) |
| Free-of-charge Concierge service for handling errands (will end on 31 October 2021) | |
| New benefits starting on 1 November 2021, read more | |
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Discount of €3.95 per month for owner-customers** |
Discount of €8.00 per month for owner-customers** |
| Other customers pay €7.95 per month | Other customers pay €12.75 per month |
| Read more about OP-Visa | Read more about OP-Visa Gold |
*Package also available with an OP-Visa Debit card without a credit feature (does not include Product Protection Insurance).
**The daily service package discount is only available if you use your current account on a regular basis. A minimum of 500 euros must be deposited in the account in any three-month period. This does not include credit transfers from your own accounts.
Revamped OP-Visa Gold card benefits as of 1 November 2021. An updated card: better supplementary services than ever, but the price remains the same. Further details on the new benefits
As an owner-customer, you are entitled to a discount on daily banking services
The charge for daily banking services is €3.95 per month for owner-customers (€7.95 per month for other customers). Daily services are free of charge for customers under 26 years of age.
Current accounts are free of charge for owner-customers at their own OP cooperative bank.
As an owner-customer, you will earn OP bonuses on transactions such as loans and savings. Bonuses can be used to offset daily service charges, for example.
Two cards for smooth payments
If your card is lost or stolen or isn’t working, having a second card will keep your daily life going. A second card will bring flexibility to your finances and security to your purchases.
We recommend OP-Mastercard as a second card. This can be added to your daily service package for as little as €2 per month.
As a customer of OP, you will have access to a wide range of tools to help you manage your finances and save
