OP bonus
The more you use our services, the more you earn OP bonuses30% 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 bring relief to your daily finances, especially when you make wide use of our services.
The new multiplier for OP bonuses will be 0.00325 in 2023 (0.0025 in 2022 and previous years).
How can owner-customers earn OP bonuses?
What do the following have in common: a home loan, monthly investment in a responsible fund, and child insurance? OP cooperative bank's owner-customers can earn OP bonuses on all of them – OP bonuses accumulate quietly, from the little things you do every day.
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.
If, for example, the total amount of your home loan, fund assets and monthly insurance premiums is 100,000 euros, you earn OP bonuses worth 325 euros per year. According to the normal accrual, the same transaction volume would bring 250 euros in bonuses.
Bonuses come from:
- funds in savings accounts
- mutual funds
- unit-linked insurance assets
- home loan
- student loan
- secured bank loan
- paid insurance premiums, such as home and vehicle insurance and continuous travel insurance
Bonus calculator
Calculate how much bonuses you could earn. You will automatically earn OP bonuses for your monthly purchases and services.
Try out the calculator to see how much more OP bonuses you could earn in 2023!
How are OP bonuses used?
Earned OP bonuses are used to pay charges and fees that would otherwise be debited from your account. Their use is fully automatic; because OP bonuses are non-taxable, you can't yourself choose what they are used for. Bonuses are used to pay, for example,
- daily banking services (current account, OP's digital services, OP’s payment card)
- loan servicing and handling fees
- insurance policies, such as premiums for home, family and vehicle insurance
- custodial and portfolio management fees for savings and investments
- fees for legal services
- OP Koti's real estate commissions
Where can I keep track of how many OP bonuses I've earned?
As an owner-customer, you can keep track of your current OP bonuses on a monthly basis on OP-mobile and the op.fi service. OP bonuses are paid monthly based on your use of OP’s services in euros during the previous month.
You'll find your up-to-date bonus accrual on OP-mobile as follows:
1. Log into OP-mobile.
2. At the bottom right corner, select More.
3. Select Owner-customer, and then OP bonuses.
In More, you can also see which services have earned you OP bonuses each month and how they have been used:
1. Select Messages.
2. At the bottom of the view, select % Bonuses.
3. From the messages, pick the month whose bonus accrual and bonus usage you'd like to see.
You'll see your up-to-date bonus accrual on the op.fi service right after logging in. Your current bonus account balance is shown below your account details in the OP bonuses section. Click on the balance to see your bonus account's transactions. The bonus account’s Transactions feed shows how many OP bonuses you've earned and how they have been used.