OP-Premium

OP Premium – not everything needs to be done single-handedly

When you need smooth solutions for managing your wealth or you are an active investor, OP Premium can provide you with the opportunity to achieve your goals.

OP Premium is a benefit for owner-customers

OP Premium is a service package which you receive if you are our owner-customer and have assets available for investment. You will get a personal contact person and have access to comprehensive and real-time market information to support your investment decisions.

Book an appointment at your local OP cooperative bank and we will be pleased to tell you more about our OP Investment Partner service.

OP Premium is a benefit for owner-customers

OP Premium is a service package which you receive if you are our owner-customer and have assets available for investment. You will get a personal contact person and have access to comprehensive and real-time market information to support your investment decisions.

Your own contact person will help you achieve your goals

You will have your own contact person who gives you expert help and act as your interlocutor in all affairs related to the management of your wealth. Your contact person will keep in regular contact with you and you will reach him/her easily. He/she will create a personalised investment solution for your needs based on your goals and plans.

Comprehensive market information in support of your investment decisions

Your contact person will offer you expert help also when you want to make investment plans yourself related to your assets and act independently in capital markets. Your contact person will give you

  • comprehensive, real-time market information to support your investment decisions and
  • guidance on how you make the most of our information and trading services, in addition to the daily monitoring of your assets.

Moreover, depending on the solutions you have selected, op.fi gives you access, for example, to Finland's most extensive equity research service that enables you to take a closer look at companies as investees.

Your personal finances are a single whole for us

In addition to wealth management, you can discuss all issues with your contact person related to the financial management of your family. Through our extensive network of experts, we can offer you suitable solutions in financing and insurance, real estate agency services and health and wellbeing services.

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.

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.