OP, Finland's largest financial group, has announced a substantial increase in bonuses derived from insurance premiums for its owner-customers. Starting in 2026, OP will pay its owner-customers OP bonuses at a rate of 5% for Pohjola Insurance's home, property, and comprehensive insurance, a substantial increase from the previous rate of 0.4%. This significant change is expected to enhance the value proposition for customers who hold policies with OP, reflecting the group's commitment to rewarding customer loyalty.

In addition to home and property insurance, OP's asset insurance offerings include policies for pets, forest properties, valuable commodities, summer cottages, and landlord insurance. The company also issues bonuses based on various banking services, including secured loans, funds on savings accounts, unsecured loans, installment purchases, leasing agreements, and paid insurance premiums. Such a broad application of bonuses indicates OP's strategy to deepen customer relationships by providing financial rewards across multiple service avenues.

Earlier in the year, OP had already increased bonuses in response to changes in taxation, as bonuses fell under a 30% tax rate. The total value of OP bonuses combined with monthly cost-free banking services for owner-customers amounts to 64 million euros for 2025, signaling the financial group's positive approach to customer engagement and support through enhanced benefits.