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Service packages for adults

Banking services for easy payment and daily banking.
1

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.

2

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.

3

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.

Daily services with the OP-Visa Credit/Debit card

Daily services with the OP-Visa Gold card

Current account

Current account

OP eServices

OP eServices

OP-Visa Credit/Debit payment card*, including:

OP-Visa Gold payment card, including:

Contactless payment

Contactless payment

Banking and credit features

Banking and credit features

Purchase Protection Insurance for credit card purchases Purchase Protection Insurance for credit card purchases

Product Protection Insurance (for owner-customers)

Product Protection Insurance (for owner-customers)

Option of adding K-Plussa loyalty feature

Option of adding K-Plussa loyalty feature

Option of adding your card to Apple Pay or Pivo

Option of adding your card to Apple Pay or Pivo

 

Travel insurance for you and your family

 

Rental car insurance

 

Option of buying access to airport lounges

 

Emergency cash advance

 

OP-Visa Gold card customer service 24/7

 

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 

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.

Read more about being an owner-customer

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.

Learn more

The basic payment account package, which is more limited than the daily banking services package, will suit 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 Basic or OP-Visa Electron payment card

  • an online service agreement and user identifiers

To be entitled to the basic payment account package, you must be legally resident in an EEA member state.

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

* If, in addition to the basic payment account, you use an OP-Visa Basic or OP-Visa Electron card and OP online banking services, the monthly charge for the 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 customer service on 0100 0500 (local/mobile network rate).

Go to customer service page

 

As a customer of OP, you will have access to a wide range of tools to help you manage your finances and save