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Owner-customer benefits from saving and investment

As our owner-customer, you are entitled to value-for-money benefits from saving and investment.

ETF benefit for owner-customers

In 2020, OP’s owner-customers trade in ETFs free of charge. Learn more about ETFs and the details of the offer here.

Mutual fund benefit for owner-customers

As an owner-customer you can sell, buy and trade nearly all our mutual funds (savers’ funds, socially responsible funds, and equity and bond funds) without fees. Read more.

In index funds and real property and forest funds, subscription and redemption fees are reimbursed in full to the funds in order to cover trading expenses and improve the funds’ return on investment. 

Insurance savings benefit for owner-customers

Saving through insurance is an effortless and flexible method for long-term saving. We offer our owner-customers two different insurance savings products: OP Unit-linked Insurance and OP Savings Agreement. You can select several investment vehicles for your agreement from our wide range of options. Switching between investment instruments and transferring funds to insurance savings is free of charge. Learn more about our insurance savings products here.

Equity trading benefits for owner-customers

As an owner-customer, you enjoy lower equity trading costs in OP’s electronic channels ( and OP-mobile). Owner-customers are automatically upgraded to the second fee level, where the trading fee is 0.17% of the transaction price, or a minimum of 7 euros per completed transaction. In addition, as an owner-customer you will not pay more than 1% as a trading fee in share orders (Finland, Sweden). The new one per cent offer allows direct equity saving also on smaller transaction prices. For international shares, the minimum fee per completed transaction is 8 euros. Learn more about our price list for equity trading here.