Online Equity Research service

Finland's largest and award-winning equity research team at your service

Equity research is included in the basic services of OP equity investors. The most comprehensive equity research in Finland analyses and gives target prices and recommendations for nearly 90 Finnish listed companies.

In Online Equity Research service:

  • You can sort and compare the analysed companies based on their recommendations or different key ratios.
  • You will receive comprehensive analyses covering the macro economy, different industries and individual companies as well as a daily morning report.
  • Once a month you will receive wider strategy comments on the markets and twice a year OP's investment strategy, which covers the whole market.
  • You will receive different kinds of lists to support your investment decisions: for example, the best buy and sell ideas and TOP 10 dividend companies.

The research and service in OP are provided by Finland's largest and award-winning team of analysts.

Owner-customer benefits as of 1 January 2021

  • Book-entry account and custody €0: Custody of Finnish and foreign shares and ETFs without monthly charges. 
  • Buy and sell fund units €0: Buy, sell and switch nearly all of our funds without costs and earn OP bonuses by investing in mutual funds.*
  • Benefits from equity trading: 
    • A 1% brokerage fee cap on Finnish and Swedish shares and securities – shares, warrants and ETFs.
    • Brokerage fee 0.05–0.17, i.e. the more you trade, the lower your trading costs. The benefits mentioned above are available on OP-mobile, OP Business mobile and at (in Finnish for personal customers).
  • New benefit: Equity analyses €0: Free equity and market analysis.
  • Benefits of saving through insurance: Take out an insurance policy, switch between investment instruments and transfer funds free of charge. Earn OP bonuses from unit-linked insurance assets.

*No OP bonuses will accrue from the R2 Crystal Fund nor from institutional series of funds.

OP bonuses

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

  • loans
  • funds in accounts
  • 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 Duo cards

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

Stock investment services are provided by OP cooperative bank.