Investment Charges and Fees

This page assembles our investment charges and fees. See the costs of funds, stocks, saving through insurance and structured products. Our owner-customers always invest at a lower cost.

Owner-customer benefits as of 1 Jan 2021

  • Book-entry account and custody €0: Custody of Finnish and foreign shares and ETFs without monthly charges. 
  • Buy and sell fund units for €0: Buy, sell and switch 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%, meaning that the more you trade, the lower the trading costs. The benefits mentioned above are available on OP-mobile, OP Business mobile and at (in Finnish for personal customers).
  • Equity analysis €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 classes of funds.

OP bonuses

In addition to saving and investment, an owner-customer earns OP bonuses from

  • loans
  • funds in accounts
  • insurance premiums for home, family and motor vehicle policies.

As of 1 Nov 2020, OP bonuses are earned from:

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

As of 1 Nov 2020, OP bonuses are not earned 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 automatically used for the bank’s service charges and insurance premiums.

*Normal transaction costs will be charged for the following special common funds: OP-Public Services Real Estate, OP-Forest Owner, OP-Rental Yield and OP-Alternative Portfolio. No OP bonuses will accrue from the R2 Crystal fund, OP-Russia Fund nor from institutional classes of funds.

**Switch between insurance investment instruments in digital channels €0.

****The following investment products linked to the insurance assets do not bring OP bonuses from 1 April 2022: OP-Venäjä A, JPM Russia A, JPM Emerging Europe Equity Fund and BlackRock GF Emerging Europe Fund A.

Equity savings account, book-entry account and stock investment services are provided by OP cooperative bank. OP funds are managed by OP Fund Management Company Ltd, with OP cooperative bank acting as its agent. OP Unit-linked insurance is issued by OP Life Assurance Company Ltd, with OP cooperative bank acting as its agent.