As an owner-customer, you'll get additional benefits in autumn 2023.
- You'll get daily banking services free of monthly service charges for six months from 1 October.
- The interest rate on your Current account will rise to 0.25 per cent from 1 November.
- In addition, we will pay you 30 per cent more OP bonuses in 2023.
If you are not yet an OP cooperative bank owner-customer, now the time is right to become one!
You'll get daily banking services free of charge between 1 October 2023–31 March 2024
You’ll be able to use daily banking services for personal customers free of monthly service charges for six months (1 October 2023 to 31 March 2024). You’ll automatically get the benefit, if you are an owner-customer of an OP cooperative bank with which you use services covered by the benefit. The benefit includes:
- Current account
- OP’s user ID and digital services
- One or several cards (OP Electron, OP Basic, OP Debit, OP Classic, OP Gold, OP Platinum and OP Duo)
The benefit concerns both individual products and daily services packages. Its value depends on the products and services you use. For example, the price of the daily services package for personal customers starts from €3.95 per month and for owner-customers aged under 30 from €0 per month. The Current account is already free of charge for owner-customers in the OP cooperative bank where they are owner-customers.
Please note that service charges are always debited afterwards. It means that service charges for previous months can be debited from you even after October.
The interest rate on your Current account will rise from 1 November 2023
We will raise the interest rate on the Current account for owner-customers to 0.25 per cent on 1 November 2023. The deposit interest rate currently stands at 0.00 per cent.
An OP cooperative bank owner-customer with a Current account with standard terms and conditions and owner-customer membership in the same OP cooperative bank will be paid interest.
If the account has several holders, all account holders must be the same OP cooperative bank's owner-customers.
The interest rate raise applies to personal customers.
You will earn 30% more OP bonuses in 2023
As an OP cooperative bank owner-customer, you will get 30% more bonuses in 2023. These extra bonuses will reduce your expenses on banking and insurance services and lighten the load on your daily finances, especially when you make wide use of our services.
OP bonuses are earned, for example, from mutual funds, funds in savings accounts and secured loans. Earned OP bonuses are used for insurance premiums and loan service and origination fees, among other things.
For example, service use worth 100,000 euros may this year bring you up to 325 euros in OP bonuses..