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Make your whole family owner-customers!

Buying all your family’s banking and insurance services at OP will bring significant benefits and discounts to the whole family. By bundling all your family members’ services into a so-called family unit, even your children’s use of services will generate OP bonuses for the whole family.

Why create a family unit?


  1. It pays to include in the family unit all family members living in the same household. This means that also the children’s use of services will earn OP bonuses that will benefit the whole family.
  2. OP bonuses can be used, for example, to pay the insurance premiums and loan servicing costs of persons included in your family unit.
  3. Moreover, OP’s partners provide benefits to families with children. You can easily find and redeem these benefits on OP-mobile.

Read more about benefits provided by OP's partners

Even children benefit from being owner-customers


Even a small child will benefit from being an owner-customer. You can open a bank account for your child as soon as he or she is born. In this way, children will earn various benefits from an early age and, as they grow up, they can practise spending and saving by using their own bank account. The owner-customer’s membership cooperative contribution is also an excellent choice for a child’s first investment since the amount will be retained as a saving. As owner-customers, children get the following benefits:

  1. A current account free of charge in which you can save, say, child benefits and money gifts.
  2. You can buy, sell and switch the majority of our mutual funds with no separate charges when you want to save for your child’s future.
  3. Assets in mutual funds also contribute towards OP bonuses.

A family unit suits all families

  1. At least two persons living in the same household can establish a family unit.
  2. Also children under 18 years of age can be owner-customers and they can be included in a family unit.
  3. However, the members of the family must be owner-customers of the OP cooperative bank where the family unit is established.


How much OP bonuses can you and your family earn?


Calculate how much bonuses you could earn. As an owner-customer, you’ll earn even more bonuses in 2023, when we reward our owner-customers with additional bonuses; you’ll get 30% more bonuses for the whole year.

Try out the calculator to see how much more OP bonuses you and your family could earn!


How to establish a family unit


  1. If you are an OP cooperative bank's customer and have OP's user ID, you can become an owner-customer by logging into the service.
  2. You can become an owner-customer by paying a member cooperative contribution which is 100 euros in most banks. There are no other membership fees.
    Become an owner-customer
  3. You can establish a family unit easily online. Send a message to OP's digital services or send us an online power of attorney in the service. The message or power of attorney must state that the family member will become an owner-customer and will be included in a family unit.
  4. If you are not yet an OP cooperative bank’s customer and you have another bank’s user identifiers, you can become a customer without visiting a branch.
    Become our customer easily online