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OP Investment Service

Simple, expert and convenient service for your investments.

OP Investment Service provides you with a convenient and comprehensive investment solution for managing investment assets of over 25,000 euros.

  • It will relieve you of tracking market performance. Our expert investment managers take care of your assets for you.
  • You will have your personal contact person who will go through the performance of your investments with you on a regular basis and will also take care of your other banking and insurance affairs..
  • You will get a monthly report on the performance of your investment portfolio on OP eServices.

Personal service

Our experts analyse the existing and future needs of your personal finances. On the basis of such an analysis, you will get a service package that is optimum for you.

We will invest your assets in the investment basket of your choice within OP Unit-linked Insurance. Whether you are a conservative, moderate or aggressive investor, the baskets can offer you a suitable option according to the risk level.

You can earn OP bonuses through ordinary banking and insurance transactions such as savings under OP Unit-linked Insurance. Read more under “Enjoy benefits”!

You are welcome to discuss investments with our expert; we can also meet online.
OP Unit-linked Insurance is issued by OP Life Assurance Company Ltd, whose agent is an OP Financial Group member bank. OP Wealth Management is in charge of deciding on the content of OP Investment Service's baskets.

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.

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