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Owner Plus service

When you want your affairs to work out well
Become an owner-customer

 

An increasing number of our owner-customers who use our services more extensively wish for more personal service. In response to these wishes, we upgraded our owner-customer membership. We offer the Owner Plus service to OP cooperative bank owner-customers who use a wide range of our banking and insurance services. You will get convenience for your everyday life and be among the first ones to get the best benefits.

Owner Plus service

  1. Personal contact person

We can advise you on building your wealth and financial security. At your OP cooperative bank, you have your own contact person to guide and help you achieve your financial goals and prosper.

  1. Quick customer service via chat and by phone

You’ll get quick customer service every time you contact us on chat or by phone.

  1. Quick processing of secured loans

You can use our services faster in loan matters too. We’ll process your secured loan application faster than usual. Moreover, your loan will be handled by one and the same specialist from beginning to end.

  1. Card package with the best services

The OP Gold and OP Duo cards and their featured services are now available at a special package price. Gold provides you with insurance for your daily life and experiences, while Duo’s Best Price Protection ensures that you never pay too much for your shopping.

Learn more about the cards

How can I get access to Owner Plus service?

You’re eligible for Owner Plus service if you’re an OP cooperative bank owner-customer and your OP Financial Group products and services are worth at least 150,000 euros, including loans, or your investments in funds and stocks are worth at least 50,000 euros. Please note that the service is free of charge.

In addition, you have at least three of the following:

  1. Daily banking services: current account, OP's payment card and OP's digital services
  2. A loan, such as a home loan or student loan, with OP Financial Group
  3. As investments at least one mutual fund, investment or saving-through-insurance product, excluding Profit Share
  4. You’re a Pohjola Insurance prime customer (to become a prime customer, you need to have insurance policies from three different categories)

 

How do I check whether I’m an Owner Plus customer?

You can check whether you’re an Owner Plus customer by logging into the op.fi service or OP-mobile. On the op.fi service, you’ll find the information immediately after login on the main page by clicking the Omistaja-asiakas (Owner-customer) heading or, alternatively, in the top menu as follows:

1. Select Rahat (Money)

2. Under Omistaja-asiakas (Owner-customer), select OP-bonukset ja muut edut (OP bonuses and other benefits)

3. The Owner Plus service is shown on this page if you’re an Owner Plus customer

On OP-mobile, you’ll find the service after logging in:

1. Scroll down and select Other 

2. Select Owner-customer

3. You’ll see the Owner Plus service in this view if you’re an Owner Plus customer

Remember that you get the best benefits only as an OP cooperative bank owner-customer!

  1. OP bonuses that only owner-customers earn
  2. Considerable discounts on daily banking, investment services and insurance policies
  3. Benefits offered by OP Financial Group’s partners

Discover all owner-customer discounts and benefits easily on OP-mobile. If you don’t have OP-mobile yet, you can download it from your device’s app store.

Read more about OP-mobile

Frequently asked questions about Owner Plus service

How can I become an Owner Plus customer?

You can get access to the Owner Plus service when you’re an OP cooperative bank owner-customer and your use of services, as described above on this page, entitles you to the service.

Does the Owner Plus service cost anything?

The Owner Plus service is free of charge.

Can I terminate the Owner Plus service?

Please note that the Owner Plus service is a complimentary service. Using the service is entirely voluntary and doesn’t oblige you in any way. The Owner Plus service is discontinued if you terminate your owner-customer membership or after 12 months from no longer meeting the criteria for the service.

For how long do I get access to the Owner Plus service at a time?

You’ll get access to the Owner Plus service for a year (12 months) at a time, and your eligibility for the service will be reviewed annually.

Can a minor get access to the Owner Plus service?

A minor can get access to the Owner Plus service if their use of services, as described above on this page, entitles them to the service. A minor’s personal contact person will usually be the same as their parent’s/parents’.

How do joint loans and deposits count towards entitlement to the Owner Plus service?

​​​​​​​If an account or a loan is in joint names of two persons, the average balance will be included in both person’s volume of service use. For example, if a couple has a 300,000-euro joint home loan, 300,000 euros will be included in both person’s volume of service use, because both borrowers are fully liable for the joint loan. The same principle will be applied to account holders with joint deposits.

Will payment history affect the availability of Owner Plus service?

You’ll get access to the Owner Plus service when your use of services, as described above on this page, entitles you to the service and you’ve also been fulfilling your contractual obligations, such as timely payments to OP.

My contact person’s details aren’t shown on OP-mobile or the op.fi service. How long will it take for me to get own contact person?

In general, your contact person’s details are shown to you at the same time as the Owner Plus service appears on your OP-mobile or when you log into the op.fi service. In some cases, the personal contact person’s details will appear later. This can be due to your OP cooperative bank merging with another OP cooperative bank or a change of specialist at your OP cooperative bank, for example.