Omenat sylissä


Get owner benefits – become your OP cooperative bank's owner-customer

Value-for-money OP bonuses

As an owner-customer, you will earn OP bonuses. They will be used to cover, for example, your banking service charges or insurance bills.


Benefits and discounts for owner-customers

You will get owner-customer benefits from banking, insurance and saving and investment services.


Benefits from OP partners

Enjoy the benefits for owner-customers offered by our partners across Finland.


As an OP cooperative bank customer, you can become an owner-customer with your online service user identifiers.

Become an owner-customer

If you are not an OP cooperative bank customer, book an appointment and become an owner-customer at a bank branch.

Book an appointment

Value-for-money benefits from OP bonuses

Earning OP bonuses is based on a simple rule: the more you use our services, the more you will earn bonuses. Try our calculator!


Owners get more benefits from using our services

As an owner-customer, you will get owner's benefits. We will open a bonus account for you, for receiving OP bonuses. They will be automatically used to offset, for example, your service fees and insurance bills – which can even end up being paid in full by OP bonuses. You will get service benefits granted to owner-customers only: for instance, you can buy, sell or switch almost all funds at no cost.

The owner-customer-benefits offered by our partners can save you money and bring joy to your whole family – there is something for everyone. You will be entitled to both local benefits from your OP cooperative bank as well as national partner benefits granted to all owner-customers.

As an OP cooperative bank’s customer, you can become owner-customer online, by calling our telephone service at 0100 0500 or by visiting a bank branch. If you are not OP cooperative bank’s customer yet, you can become an owner-customer at a bank branch.

Membership cooperative contribution

When joining us, you will pay an ordinary cooperative contribution as a one-time contribution, no other payments exist. In most banks, the amount of the membership cooperative contribution is 100 euros. You can find the amount of the membership cooperative contribution on the owner-customer application and in your OP cooperative bank.

If ever you decide to stop being an owner-customer, your membership contribution will be refunded to you in full. The cooperative contribution will be refunded after one year has lapsed from the end of the financial year during which the owner-customer membership was terminated.

Who can become an owner-customer?

Any person, entity or foundation using OP Financial Group’s services, irrespective of their nationality, can become an owner-customer.

Child as an owner-customer

A child can become an owner-customer. All guardians of the child sign together their underage child’s application for an owner-customer membership. By doing so, the parents also give their consent that their child will begin to earn OP bonuses.

If the membership contribution is paid using proceeds of the child’s own work, the child can him/herself sign the membership application and pay the membership contribution.

Owner-customer terminates the membership

The owner-customer has, at any time, the right to terminate their owner-customer membership by informing their OP cooperative bank of this in writing. The owner-customer membership termination date is the date on which the OP cooperative bank has received the termination notice.

Owner-customer is expelled

An owner-customer may also be expelled from OP cooperative bank’s membership. The expulsion criteria are defined in the bank’s rules. Such expulsion criteria may include, for example, the owner-customer’s failure to fulfil their commitments to the OP cooperative bank or causing considerable damage to the OP cooperative bank.

The Board of directors of the OP cooperative bank decides upon the expulsion of an owner-customer. An expulsion will become valid one month after the letter concerning the expulsion decision has been sent. An expelled owner-customer will immediately cease to be entitled to owner-customer benefits.

Death of owner-customer

An owner-customer membership will terminate on the death of the owner-customer. In the distribution or partition of the deceased person’s estate, the death estate can transfer the deceased person’s owner-customer membership, generally either to widow/widower or heir.

OP owner-customer membership is a valuable and unconventional gift that keeps on giving. It is a perfect present for birthdays, graduations and confirmations regardless of age.