OP private banking 2026: wealth threshold and services
In October 2026, OP Private is intended for over €300,000 of investable assets, Wealth Planning for over one million euros, and OP Varainhoito's family office service for over €10 million of assets. OP does not publish the price of the service or wealth management fees on its pages.
OP tiers from lowest to highest
| Tier | Class | Published minimum | Monthly fee | Notes |
|---|---|---|---|---|
| OP Private | Private banking | over €300,000 | not published | |
| OP Private Wealth Planning | Private banking | over €1,000,000 | not published | |
| OP wealth management (family office) | Private banking | over €10,000,000 | not published |
Tiers are ordered by the published threshold, with a tier without a threshold last. The class is derived from the tier name and wording: Premium tier, Private banking, Wealth management or Investor benefit programme.
What counts towards the wealth threshold?
OP Private
"The Private Banking service is intended for you if you have over €300,000 of investable assets." The page does not say whether deposits count or whether the threshold is calculated per household.
No income threshold is published.
OP's wealth management pages for personal customers have no separate Gold or Platinum type of customer tier; Platinum appears in the list of OP Private benefits as a card.
OP Private Wealth Planning
"The service is available to customers with over one million euros of investment assets."
No income threshold is published.
OP wealth management (family office)
OP Private page: "when your assets exceed €10 million". Wealth management services page: "The service is available to customers with over €10 million of total assets." The threshold applies to the family, the extended family and the company together.
No income threshold is published.
At this tier the threshold is total assets, not just investment assets.
Discretionary management
Discretionary management is offered in OP Private, but no separate minimum amount is published (not published).
| Tier | Minimum | Additional information |
|---|---|---|
| OP Private | - | Discretionary or advisory wealth management is offered in OP Private, but no separate minimum amount is published. |
| OP Private Wealth Planning | - | No tier-specific information. |
| OP wealth management (family office) | - | No tier-specific information. |
Read more in the guide wealth management and investor protection.
Prices and content by tier
OP Private
Monthly fee: not published. Not published. The service is provided by a cooperative bank (osuuspankki) or OP Varainhoito Oy; wealth management fees are not on the OP Private page.
- Personal wealth manager
- Discretionary or advisory wealth management (or a combination of the two)
- Investment selection for OP Private customers: alternative investments and funds from international partners
- Legal help with family law and inheritance law questions
- Support with questions related to taxation and property investing
- OP Platinum card
- Insurance specialists
- Customer events
OP Private Wealth Planning
Monthly fee: not published. Not published.
- Wealth planning plan
- A team of experts manages the wealth of you and your close circle
OP wealth management (family office)
Monthly fee: not published. Not published.
- Comprehensive wealth management plan for the family, the extended family and the company
- Personal team of experts
Read also
- Private banking services compared
- Wealth management and investor protection
- OP price list and service fees
- OP: trading costs and price list
Other providers
Sources
- OP Privateretrieved 16 October 2026
- OP: Varainhoitopalvelutretrieved 16 October 2026
- OP Private (English)retrieved 16 October 2026
Data checked 16 October 2026. Check the current terms and prices with the provider.
Frequently asked questions
What is the private banking threshold at OP?
In October 2026 the published wealth thresholds of the tiers at OP are: OP Private over €300,000; OP Private Wealth Planning over €1,000,000; OP wealth management (family office) over €10,000,000. No separate minimum is published for discretionary management.
What counts towards the wealth threshold at OP?
In October 2026 OP Private: "The Private Banking service is intended for you if you have over €300,000 of investable assets." The page does not say whether deposits count or whether the threshold is calculated per household. No income threshold is published.
How much does OP private banking cost?
In October 2026 OP does not publish a monthly fee for any of its tiers. Not published. The service is provided by a cooperative bank (osuuspankki) or OP Varainhoito Oy; wealth management fees are not on the OP Private page. Check the current price with the provider.