Owner-customer
OP bonuses, benefits and discountsMutual fund benefit for owner-customers
As an OP cooperative owner-customer, you can sell, buy and trade nearly all our mutual funds without fees.
OP bonuses
As an owner-customer, you will earn OP bonuses. They are used to cover, for example, your banking service charges and insurance bills – which can even end up being paid in full by OP bonuses.
Discounts on banking and insurance services
As an owner-customer, you receive discounts on banking and insurance services and OP Home real estate agent services.
Benefits by our partners
As an owner-customer, you are among the first to redeem both benefits provided by your local OP cooperative bank’s partners and nationwide benefits given to all owner-customers across Finland. Find the benefits offered by our partners on OP-mobile!
How to become an owner-customer
1. If you are an OP cooperative bank customer, you can become an owner-customer online or by visiting a bank branch. If you are not yet an OP cooperative bank customer, you can become an owner-customer at a bank branch.
2. When becoming an owner-customer, you will need to pay a membership contribution. In most banks, the amount of the contribution is 100 euros. There are no other fees.
3. After joining, you will instantly have access to the full range of benefits available to OP cooperative bank owner-customers.
4. If you ever decide to stop being an owner-customer, your membership contribution will be refunded.
If you are not an OP cooperative bank customer, book an appointment and become an owner-customer at a bank branch.