OP fees and price list 2026: equity savings account, trading and funds
In October 2026 OP's book-entry account and equity savings account are free of charge in the Säästäjä package, and a new customer trades in Helsinki for the first quarter at 0.10%, min. €5. However, with OP's equity savings account you can buy only shares of the Helsinki exchange and First North Finland.
Not investment advice. Investing involves risk. Pankkitutka compares costs and does not recommend individual investments or service providers. The value of investments can rise and fall, and you can lose the money you invest.
OP trading costs
| Market | Price | Details |
|---|---|---|
| Helsinki exchange | 0.17%, min. €7 | A new customer trades at level 3 (0.10%, min. €5) for the current calendar quarter if the book-entry account is opened in the digital channel and the customer has not had a book-entry account at OP during the year. On the Helsinki exchange, trades under €300-700 (depending on level) cost 1% of the trade amount, so for example a €100 trade costs €1. Levels are set by the fees of the previous quarter: level 1 (under €500) 0.17% min. €7, level 2 0.15% min. €5, level 3 0.10% min. €5, level 4 (over €2,500) 0.05% min. €3. Currency exchange cost 0.3% (Sweden, Denmark, Norway, USA, Switzerland, Canada). |
| US (NYSE, Nasdaq) | 0.17%, min. €8 | The price is in euros. |
| Nordic and other markets | see details | Sweden, Denmark, Norway and other foreign markets: 0.17/0.15/0.10/0.05% depending on level, minimum €8 on all levels. |
| Currency conversion | 0.30% | The currency conversion markup applies to trades in a foreign currency. |
The price in the table is the ordinary price paid by a customer who trades rarely. Time-limited new-customer price: up to 3 mo., book-entry account only: 0.10%, min. €5. Calculate your own cost with the cost comparison calculator.
Equity savings account
| Fact | Value |
|---|---|
| Offered | yes |
| Monthly fee | €0.00 |
| Opening fee | €0.00 |
Säästäjä service package €0/month and brokerage fee 0.15%, min. €5; Sijoittaja package €9.99/month and 0.08%, min. €3. No trading fees for the first 30 days. The 1% fee cap does not apply in the equity savings account. With OP's equity savings account you can trade only in shares of Nasdaq Helsinki and First North Finland, not in foreign shares. Transfer to another provider €81 (+ €25.50/other security type), closing €51.
Read the rules, taxation and comparison on the page equity savings account.
Book-entry account and custody
Custody: owner-registered book-entry account (in your own name). Monthly fee: €0.00.
The Säästäjä service package €0/month includes securities custody and the book-entry account. The book-entry account is offered by a cooperative bank. The fee for domestic share trades has a 1% cap.
Funds and ETFs
| Fund | Cost | Type of cost | Notes |
|---|---|---|---|
| OP-Aasia Indeksi | 0.39% | management fee | 0.145% for an owner-customer after OP bonuses (owner-customer status requires a membership share fee). |
| OP-Amerikka Indeksi | 0.39% | management fee | 0.145% for an owner-customer after OP bonuses (owner-customer status requires a membership share fee). |
| OP-Eurooppa Indeksi | 0.39% | management fee | 0.145% for an owner-customer after OP bonuses (owner-customer status requires a membership share fee). |
| OP-Maailma Indeksi | 0.39% | management fee | 0.145% for an owner-customer after OP bonuses (owner-customer status requires a membership share fee). |
| OP-Pohjoismaat Indeksi | 0.39% | management fee | 0.145% for an owner-customer after OP bonuses (owner-customer status requires a membership share fee). |
| OP-Suomi Indeksi | 0.39% | management fee | 0.145% for an owner-customer after OP bonuses (owner-customer status requires a membership share fee). |
Subscription and redemption fees €0 for almost all OP funds for all customers (exceptions are some special investment funds). Smallest monthly saving or investment: €0.00. Index funds have no minimum subscription (OP: for example from €10). An owner-customer earns 0.245% in OP bonuses from index funds; owner-customer status requires a membership share fee, usually €100.
ETF monthly saving: not available. OP's price list has no separate ETF monthly saving; ETF trades follow the price list of the book-entry account. Fractional shares: not available.
Compare funds on the page index funds.
Taxation and reporting
OP reports your sales to the Tax Administration, and the information is pre-filled on the tax return. Acquisition details may still be missing. Service in Finnish: yes. Read taxation of foreign brokers.
Investor protection
Investors' Compensation Fund (Finland): pays 90% of the claim, up to €20,000 per investor, if the provider cannot return the customer's money or securities. Losses from price falls, mutual funds and unit-linked insurance are not covered. Read also about the deposit guarantee: the deposit guarantee and the investors' compensation fund are different things.
Reviews: ratings of OP
Public ratings from three sources, retrieved . The figures are third-party ratings that Pankkitutka has neither checked nor edited. Review texts are not quoted. Read more: bank ratings and reviews compared.
| Source | Rating | Count | Link |
|---|---|---|---|
| Trustpilot | 1.5 / 5 | 105 reviews | op.fi on Trustpilot |
| App Store: OP-mobile | 3.0 / 5 | 2,571 ratings | App in the App Store |
| Google Play: OP-mobile | 2.8 / 5 | 14,082 ratings, all countries | App on Google Play |
- The Trustpilot profile is unclaimed: the company has not taken control of it.
- The Google Play figures cover all countries, not only Finland. The App Store figures are from the Finnish store.
Based on the data
The pros and cons below are based on Pankkitutka's price data, not on the ratings.
Pros
- Pro: Säästäjä package with no monthly fee for both the book-entry account and the equity savings account
- Pro: Small Helsinki trades at 1% (a €100 trade costs €1)
- Pro: 30 days without fees in the equity savings account
- Pro: Index funds without subscription fees, 0.145% for an owner-customer
Cons
- Con: Only Finnish shares in the equity savings account
- Con: On foreign trades a €8 minimum and a 0.3% currency cost
- Con: The cheapest level requires over €2,500 in fees in a quarter
Read also
- Investment services compared
- Equity savings account: comparison, costs and taxation
- Investing for beginners
- OP price list and service fees
- OP private banking and wealth management
- Savings rates (compare with deposits, which are covered by the deposit guarantee)
Other providers
Sources
- OP: Osakesäästötilin hinnasto ja tietoa markkinapaikoistaretrieved 16 October 2026
- OP: Arvo-osuustilin hinnastoretrieved 16 October 2026
- OP: Sijoittamisen edut ja hinnastoretrieved 16 October 2026
- OP: Indeksirahastotretrieved 16 October 2026
- Finanssivalvonta: Talletusten ja sijoitusten suoja (päivitetty 22.5.2025)retrieved 16 October 2026
- Verohallinto: Vuosi-ilmoitus arvopapereiden ostoista ja myynneistä, täyttöohje 2026retrieved 16 October 2026
Data checked 16 October 2026. Check the current prices and terms with the provider.
Frequently asked questions
What does trading at OP cost?
In October 2026 OP brokerage fees: Helsinki exchange 0.17%, min. €7; US: 0.17%, min. €8; currency conversion 0.30%. A new customer trades at level 3 (0.10%, min. €5) for the current calendar quarter if the book-entry account is opened in the digital channel and the customer has not had a book-entry account at OP during the year. On the Helsinki exchange, trades under €300-700 (depending on level) cost 1% of the trade amount, so for example a €100 trade costs €1. Levels are set by the fees of the previous quarter: level 1 (under €500) 0.17% min. €7, level 2 0.15% min. €5, level 3 0.10% min. €5, level 4 (over €2,500) 0.05% min. €3. Currency exchange cost 0.3% (Sweden, Denmark, Norway, USA, Switzerland, Canada). Note: new-customer price; only Helsinki shares in the equity savings account. Check the current price list with the provider.
Does OP offer an equity savings account?
In October 2026: yes. The monthly fee of the equity savings account is €0.00/month. Säästäjä service package €0/month and brokerage fee 0.15%, min. €5; Sijoittaja package €9.99/month and 0.08%, min. €3. No trading fees for the first 30 days. The 1% fee cap does not apply in the equity savings account. With OP's equity savings account you can trade only in shares of Nasdaq Helsinki and First North Finland, not in foreign shares. Transfer to another provider €81 (+ €25.50/other security type), closing €51.
Does OP report trades to the Tax Administration?
In October 2026 OP reports the customer's securities sales to the Tax Administration and the information is pre-filled on the tax return. Acquisition details may still be missing, so check and complete them.
What do the index funds at OP cost?
In October 2026 costs of OP index funds: OP-Aasia Indeksi 0.39% (management fee); OP-Amerikka Indeksi 0.39% (management fee); OP-Eurooppa Indeksi 0.39% (management fee); OP-Maailma Indeksi 0.39% (management fee); OP-Pohjoismaat Indeksi 0.39% (management fee); OP-Suomi Indeksi 0.39% (management fee). Ongoing charges and a management fee are not directly comparable.