You can become an owner-customer online or by calling our telephone service at 010 253 1333 or by visiting the OP cooperative bank branch nearest to you.
When joining us, you will pay an ordinary cooperative contribution. It is a one-time contribution – no other payments exist. The contribution varies by OP cooperative bank but in most cases it is 100 euros. You can find your own bank's cooperative contribution in the bank's list of service charges and fees and in the owner-customer application.
If you decide to quit your being an owner-customer, your cooperative contribution will be refunded to you in full. The cooperative contribution will be refunded after one year has lapsed from the end of the financial year during which the owner-customer membership was terminated.
Apply for an owner-customer membership
As an owner-customer, you will be entitled to enjoy owner-customer benefits valid from time to time, such as value-for-money OP bonuses and discounts on insurance. As an owner-customer, you have the right to attend your cooperative bank’s Cooperative Meeting and run as a candidate for its Representative Assembly.
Who can join?
Any person, entity or foundation using OP Financial Group’s services, irrespective of their nationality, can become an owner-customer of an OP cooperative bank.
Child as an owner-customer
A child can also become an owner-customer. All guardians of the child sign together their underage child’s application for an owner-customer membership. By doing so, the parents also give their consent that their child will begin to earn OP bonuses.
If the membership contribution is paid using proceeds of the child’s own work, the child can him/herself sign the membership application and pay the membership contribution.
Your owner-customer card is stored in digital format on OP-mobile and Pivo. Both of these apps also show your OP bonuses and the discounts on insurance premiums given to you. The information that you are an owner-customer will be printed on your payment card. If you have no payment card, you will receive a cardboard owner-customer card from your OP cooperative bank branch.