Custody services

Overview of your investments

Open an equity investor's service package and start investing in equities now!

  • You are entitled to a discount of 0.10% on trading fees for Finnish and Swedish equities on OP eServices, min. EUR 5 (normal fee 0.20%, min. EUR 9).
  • You can transfer your custody (Finnish equities) to OP Financial Group free of charge (normal fee EUR 30)
  • Our free service package for savers is at your disposal (normal fee EUR 2.80 per month)

Are you an active investor and wish to monitor your portfolio every day, or did you, perhaps, buy some shares for your child and now wish to concentrate on other things? We offer suitable solutions for both situations.

  • You get an overview of your holdings, their value and their distribution across different asset types, such as funds, equities and insurance products.
  • The return on your investments is clearly presented.
  • You will receive a capital gains statement for the tax authority.
  • You will receive a summary of your investment transactions and their returns annually.
  • You can monitor the performance of your investments for different time periods from the starting date until the present date.

OP's service packages for savers and investors

The services for equity investors consist of three different packages depending on the trading activity. For customers that trade in equities seldom we recommend the service package for savers. The investor's service package also includes a market monitoring tool and real-time price data, which provide sufficiently extensive information even for daily equity trading.

The monthly fees for the service packages and the services they include are shown in the table below:


  Saver Investor
Price - private customers EUR 2.80/month  from EUR 5.20/month
Tiered trading fee
Custody of Finnish securities
Investor's mobile services
International trading
Equity research
Technical analysis tool
Market monitoring tool
Real-time prices (1 level)
Real-time prices (5 levels) + EUR 5 per month
Real-time news + EUR 5 per month

Your earned OP bonuses will be automatically used for the fees for these service packages.

Owner-customer benefits

  • 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.
  • As an owner-customer, you can also invest in funds by saving through insurance. OP Unit-linked Insurance and OP Savings Agreement are insurance savings products intended for owner-customers that offer an effortless and flexible means for long-term saving. Switching between investment instruments and transferring funds to insurance savings is free of charge.
  • Owner-customers have automatic access to the second fee level on the stock brokerage fee list, in which the brokerage fee is 0.17% (min. 7 euros), while the fee at the first fee level is 0.2% (min. 9 euros).

OP bonuses

In addition to OP bonuses earned through saving and investment, owner-customer earn bonuses from

  • loans
  • funds in accounts
  • purchases you have paid with the OP-Visa credit
  • insurance premiums for home, family and motor vehicle policies.

From 1 November 2020, OP bonuses will accrue from:

  • home loans, secured bank loans, student loans
  • savings and investment accounts
  • mutual fund units and unit-linked insurance
  • non-life insurance bills

The change on 1 November 2020 means that no OP bonuses will accrue from:

  • deposits in current accounts
  • unsecured consumer loans (Flexible Consumer Credit, Special Consumer Credit, One-off Credit and Overdraft Facility)
  • OP hire purchase
  • Purchases paid using OP Visa as a credit card, the balance of credit with interest of OP-Visa and OP-Mastercard cards

OP bonuses are used for the bank’s service charges and insurance premiums.

Share investment services are provided by the Group member bank.