OP bonuses to owner-customers
As our owner-customer, you earn OP bonuses through your transactions with us – up to hundreds of euros a year. With OP bonuses you can, for example, pay for insurance premiums and the costs of the services you use.
Benefits for owner-customers on daily finances
As our owner-customer, you use our daily banking services at lower cost and benefit from the following benefits, for example:
- You get OP eServices, a current account, and OP-Visa for €2.95 per month (normally €5.65).
- If you are under 26 years, you get our daily banking services and OP-Visa Debit or OP-Visa Electron for free.
- Product Protection Insurance is free of charge for owner-customers. It covers your card purchases for six months from the time of purchase throughout the world, also in webshops.
Benefits for owner-customers on loan services
- When you take a home loan, you can get a long-term fixed interest rate for your loan when you’re OP’s owner-customer.
- For students, we provide a student loan without an origination fee.
Benefits for owner-customers on saving and investment services
- The subscription, switching and redemption fees of nearly all funds are free of charge for our owner-customers.
- When you increase your investment assets, you’ll get OP Investment Partner as your contact person, and comprehensive market information to support your decision-making.
- There is a 1% fee ceiling for owner-customers on equity trades via the op.fi service.
Benefits for owner-customers on insurance services
When you hold insurance policies from three product lines, or from two product lines if you’re over 70 years, you get the following benefits:
- 7% off home and other property insurance, personal insurance, continuous travel insurance and comprehensive motor vehicle insurance policies
- An 8% additional discount on Super, Standard or Maxi Motor Insurance with no-claims bonus
- A 40% increase in the sum insured under life insurance
- For 18-to-27-year-olds, a 21% discount on most home and family insurance policies
Owner-customers also get a 3% additional discount on most insurance policies and a deductible benefit of up to 200 euros for MyHome Insurance, for fire damage, natural phenomenon loss or crime.
Benefits for owner-customers on real estate agency services
As OP’s owner-customer, you get a 250-euro discount on the real estate agent commission (VAT included).