OP offers a broad book-entry account and a more restricted equity savings account. The book-entry commission ladder depends on prior-quarter trading, while equity savings has its own Saver and Investor prices; OP’s equity savings service currently limits share selection to Helsinki and First North Finland.[1][2][4]
Accounts and eligibility
Sections ↑Account comparison01
Core account choice
| Item | Details |
|---|---|
| Book-entry account | Holds shares and a broader range including funds, ETFs and exchange-traded products.Source 1 |
| Equity savings account | Share-only tax wrapper; OP supports Helsinki and First North Finland shares.Source 1 |
| Provider restriction | OP’s domestic share selection is narrower than the general legal asset framework.Source 1 |
Account comparison02
Deposits and number of accounts
| Item | Details |
|---|---|
| Book-entry | No corresponding contribution ceiling; multiple accounts are possible.Source 1 |
| Equity savings | One equity savings account per individual and up to €100,000 in cash contributions under the statutory rules.Source 1 |
| Existing shares | Can move into ordinary custody where eligible; cannot be deposited in kind into equity savings.Source 1 |
Account comparison03
Equity savings withdrawals
| Item | Details |
|---|---|
| Profit allocation | A withdrawal includes a proportionate share of account gains.Source 1 |
| Trading inside the wrapper | Tax treatment differs from disposing of each holding in ordinary custody.Source 1 |
| Account loss | The account’s deductible loss is recognised on closure under the stated rules.Source 1 |
Products and market access
Sections ↑Specifications04
Book-entry investment range
Specifications05
Equity savings market boundary
| Item | Details |
|---|---|
| Helsinki | Eligible shares supported by OP.Source 1Source 4 |
| First North Finland | Supported eligible shares.Source 1Source 4 |
| Excluded from this wrapper | Funds and ETFs; foreign-share availability on the book-entry account does not establish availability here.Source 1Source 4 |
Trading and holding costs
Sections ↑Pricing & charges06
Finnish book-entry commission ladder
Pricing & charges07
Book-entry tier qualification
| Item | Details |
|---|---|
| Assessment | Prior calendar quarter’s accumulated brokerage determines the applicable tier.Source 2 |
| Published progression | Commission thresholds progress through €500, €1,000 and €2,500.Source 2 |
| New customer treatment | Qualifying new book-entry customers start at tier 3 for the opening calendar quarter; recent previous accounts can disqualify the offer.Source 2 |
Pricing & charges08
Small Finnish-share orders
| Item | Details |
|---|---|
| Maximum brokerage | The stated 1% cap limits the effect of the ordinary minimum on small orders.Source 2 |
| Tier 1 illustration | €200 × 1% = €2, below the normal €7 minimum.Source 2 |
| Scope | Use the small-order rule for its stated Finnish-share orders, not as a foreign-market cap.Source 2 |
Pricing & charges09
Foreign book-entry orders
Pricing & charges10
Book-entry service packages
Pricing & charges11
Paid market-data additions
Pricing & charges12
Equity savings service prices
Pricing & charges13
Equity savings introductory terms
| Item | Details |
|---|---|
| Monthly service fee | Opening month and following calendar month are free under the stated offer.Source 4 |
| Brokerage | First 30 days of trading are free under the opening offer.Source 4 |
| Time bases | Calendar-month relief and a 30-day trading period do not necessarily end together.Source 4 |
Platforms, orders and execution
Sections ↑Process14
Dealing interfaces
Process15
Market-data coverage
| Item | Details |
|---|---|
| Investor Level 1 | Helsinki, Stockholm and Copenhagen data under the specified package.Source 2 |
| Depth upgrade | Level 5 is a separately priced addition unless its waiver applies.Source 2 |
| Interpretation | Access to market data does not itself establish permission to trade every instrument.Source 2 |
Funding, settlement and transfers
Sections ↑Process16
Cash versus security transfers
| Item | Details |
|---|---|
| Book-entry inbound holdings | An eligible in-kind move avoids forcing the transfer itself to be a market sale.Source 1 |
| Equity savings funding | Cash funding only; sell-and-rebuy steps can create separate trading and tax costs.Source 1 |
| Limit check | A deposit must fit the remaining permitted equity savings contribution capacity.Source 1 |
Process17
Equity savings account transfer tariff
| Item | Details |
|---|---|
| Published transfer charge | €81 plus any instrument-specific charge stated in the applicable tariff.Source 5 |
| Scope | Whole-account transfer service; do not treat this as a universal per-share fee.Source 5 |
| Local-bank qualification | The price list notes that not every OP bank offers every service.Source 5 |
Custody and client protection
Sections ↑Protections & eligibility18
Deposits across OP member banks
| Item | Details |
|---|---|
| Ordinary cash limit | €100,000 per eligible depositor under the deposit guarantee.Source 6 |
| Aggregation | OP Pohjola member banks are treated together for this guarantee.Source 6 |
| Several branches/accounts | Do not multiply the limit simply by opening accounts at several member banks.Source 6 |
Protections & eligibility19
Investment and account risks
| Item | Details |
|---|---|
| Share-price loss | The account structure does not protect the market value of shares.Source 1Source 3 |
| Wrapper risk | An instrument eligible for ordinary custody can still be prohibited in equity savings.Source 1Source 3 |
| Product costs | ETF and fund charges remain separate from bank account fees.Source 1Source 3 |
Support, complaints and records
Sections ↑Process20
Finding the correct tariff
| Item | Details |
|---|---|
| Ordinary custody | Use the book-entry schedule and current personal tier.Source 2Source 4Source 5 |
| Equity savings | Use Saver/Investor equity savings prices.Source 2Source 4Source 5 |
| Ancillary services | The linked private-customer tariff remains dated 1 April 2025 until further notice; the current product pages supply the core prices above.Source 2Source 4Source 5 |
Process21
Account-provider relationship
| Item | Details |
|---|---|
| Contracting bank | The customer’s own OP cooperative bank and applicable agreement.Source 5 |
| Service variation | A listed service is not necessarily available through every cooperative bank.Source 5 |
| Records to retain | The selected account agreement, fee schedule and individual trade confirmation establish the actual transaction terms.Source 5 |
Research and additional services
Sections ↑Availability22
Research and execution tools
Availability23
Package-selection trade-off
| Item | Details |
|---|---|
| Book-entry Investor | A €0 package in the published book-entry schedule.Source 2Source 4 |
| Equity savings Investor | Lower transaction pricing but €9.99 monthly standard fee.Source 2Source 4 |
| Relevant comparison | Compare expected executed orders and fees within the same account wrapper.Source 2Source 4 |
Company and service history
Sections ↑Regional comparison24
Profile and entity scope
| Item | Details |
|---|---|
| Brand | OP’s Finnish retail investment service.Source 5Source 6 |
| Bank relationship | Local cooperative-bank agreement within OP Pohjola’s structure.Source 5Source 6 |
| Guarantee structure | The group aggregation rule is different from treating each cooperative bank as a separate €100,000 allowance.Source 5Source 6 |
- Headquarters
- Finland
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
The customer’s OP cooperative bank
No separate licence entry is recorded in this panel.
Cost illustrations and practical implications
Sections ↑Scenarios25
Calculated €2,000 foreign order
Scenarios26
Calculated equity savings monthly comparison
| Item | Details |
|---|---|
| One €1,000 order | Saver €5; Investor €3 + €9.99 monthly fee = €12.99.Source 4Source 5 |
| Five €1,000 orders | Saver €25; Investor €15 + €9.99 = €24.99.Source 4Source 5 |
| Assumptions | Standard prices outside introductory periods, with one monthly charge and the stated minima.Source 4Source 5 |
Sources & further reading
- Equity savings account versus book-entry account OP Financial Group · Accessed 27 Oct 2026
- Official book-entry securities trading fee tiers and FX charge OP Financial Group · Accessed 27 Oct 2026
- OP equity investment service and smart order routing OP Financial Group · Accessed 27 Oct 2026
- OP: equity savings account, Saver and Investor service prices OP Financial Group — Equity Trading · Accessed 27 Oct 2026
- OP: private-customer banking and investment tariff, effective 1 April 2025 until further notice OP Financial Group — Equity Trading · Accessed 27 Oct 2026
- OP: deposit protection and aggregation across OP Pohjola member banks OP Financial Group — Equity Trading · Accessed 27 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.