POP Visa Gold credit card 2026: price, benefits and effective annual interest rate (APR)
In October 2026 POP Visa Gold costs €7/month in the example bank, and includes LähiTapiola travel insurance and two Priority Pass visits per year. The effective annual interest rate (APR) is 22.52% in POP Bank's €2,000 example.
Effective annual interest rate (APR)
22.52% effective annual interest rate (APR)
On POP Bank's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 22.52%, when the interest rate of the credit is 3-month Euribor + 11.5% (3-month Euribor 2.608% on 1.9.2026), the account management fee is €4 per month and the paper invoice fee is €2 per month. The estimated total cost of the credit is €2,228.16." The calculation assumes a credit period of one year and 12 equal instalments. Note: the example does not mention the card's monthly fee.
The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
The cap on consumer credit interest is 17.50% for the period 1 July 2026-31 December 2026. See the interest rate cap and its sources.
POP Visa Gold: price
| Monthly price | €7.00/month |
|---|---|
| Annual price | not published |
| Terms affecting the price | Prices are specific to each bank. Example bank Suomen Osuuspankki: main card €4.00/month + the added-value service included in the Gold card €3.00/month. POP Visa Gold monthly fees are waived (-100%) for member key customers (jäsenavainasiakas). |
| Who can apply | The product page does not publish separate income or age requirements; the card is granted on the basis of a credit decision. |
Credit terms
| Interest margin | 11.50% |
|---|---|
| How the interest is set | 3-month Euribor + 11.5% when the credit has interest-bearing debt. Account management fee €4/month on interest-bearing debt, paper invoice fee €2/month. The credit limit and interest-free period are not stated on the product page. |
Benefits
| Travel insurance | LähiTapiola's continuous leisure travel insurance (traveller, baggage, travel liability and travel legal expenses insurance) for main and parallel cardholders under 80 and family members under 16 travelling along, worldwide on holiday trips of up to 3 months, not on business trips; valid even if the trip is not paid for with the card. |
|---|---|
| Lounge | Priority Pass: 2 free visits per calendar year (one can be handed to a travel companion), additional visits €30/person. |
| Withdrawals abroad | Suomen Osuuspankki: withdrawal in euros from the credit account €2.00 + 2%, withdrawal in another currency from the credit account €2.50 + 2.5%, from a bank account €2.00 + 2.5%. |
| Currency conversion markup on card payments | 2.95% |
| Purchase protection | No separate purchase protection insurance is mentioned on the product page. |
|---|---|
| Cashback or points | No cashback. |
| Other | Visa Global Customer Assistance 24/7, AirRefund flight compensation service with a 20% fee. |
Bank and packages
Related guides
Sources
- POP Pankki: POP Visa Goldretrieved 16 October 2026
- Suomen Osuuspankki: palveluhinnastoretrieved 16 October 2026
Data checked 16 October 2026. Check current terms and prices with the provider.
Pankkitutka has no advertising links for credit products: the links always go to the provider's own site.
Frequently asked questions
How much does POP Visa Gold cost?
In October 2026 POP Visa Gold costs €7.00/month. Prices are specific to each bank. Example bank Suomen Osuuspankki: main card €4.00/month + the added-value service included in the Gold card €3.00/month. POP Visa Gold monthly fees are waived (-100%) for member key customers (jäsenavainasiakas). Effective annual interest rate (APR) 22.52% (example: On POP Bank's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 22.52%, when the interest rate of the credit is 3-month Euribor + 11.5% (3-month Euribor 2.608% on 1.9.2026), the account management fee is €4 per month and the paper invoice fee is €2 per month. The estimated total cost of the credit is €2,228.16." The calculation assumes a credit period of one year and 12 equal instalments. Note: the example does not mention the card's monthly fee).
What is the effective annual interest rate (APR) of POP Visa Gold?
In October 2026 POP Visa Gold: Effective annual interest rate (APR) 22.52% (example: On POP Bank's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 22.52%, when the interest rate of the credit is 3-month Euribor + 11.5% (3-month Euribor 2.608% on 1.9.2026), the account management fee is €4 per month and the paper invoice fee is €2 per month. The estimated total cost of the credit is €2,228.16." The calculation assumes a credit period of one year and 12 equal instalments. Note: the example does not mention the card's monthly fee). The banks' effective annual interest rate (APR) examples are not comparable with each other: the credit amount and the loan period vary, and in some examples the card's monthly fee is included in the calculation and in others it is not. Compare the figures only if the assumptions of the example are the same. Pankkitutka does not rank credit cards by effective annual interest rate (APR).
What benefits does POP Visa Gold include?
In October 2026 Travel insurance: LähiTapiola's continuous leisure travel insurance (traveller, baggage, travel liability and travel legal expenses insurance) for main and parallel cardholders under 80 and family members under 16 travelling along, worldwide on holiday trips of up to 3 months, not on business trips; valid even if the trip is not paid for with the card. Lounge: Priority Pass: 2 free visits per calendar year (one can be handed to a travel companion), additional visits €30/person. Cashback or points: No cashback. Currency conversion markup on card payments: 2.95%. Effective annual interest rate (APR) 22.52% (example: On POP Bank's product page: "The effective annual interest rate (APR) for a credit of €2,000 is 22.52%, when the interest rate of the credit is 3-month Euribor + 11.5% (3-month Euribor 2.608% on 1.9.2026), the account management fee is €4 per month and the paper invoice fee is €2 per month. The estimated total cost of the credit is €2,228.16." The calculation assumes a credit period of one year and 12 equal instalments. Note: the example does not mention the card's monthly fee).