Monthly cashback, daily benefits
Up to 5% cashback every month – and daily benefits with S-Etukortti.
Up to 5% cashback on all your monthly purchases
Bonus is paid to your S-Pankki account on the 10th of each month. The more you shop, the higher cashback level you reach.
More affordable prices
Save more with S-Etukortti – in stores, restaurants, hotels, and more, including online.
+0.5 % when you pay with it
Pay with S-Etukortti Visa and earn extra 0.5% cashback on every purchase.
Daily banking services free of charge
Bonus paid to your S-Pankki account. Get an S-Etukortti Visa, account, and online banking credentials – all free of charge as a member.
All in one app
Bonus, benefits, payment, receipts and warranties — all on your phone.
Fuel up with Bonus
Earn up to 5 cents cashback per liter of fuel at ABC stations. You also earn cashback when charging your car.
Benefits almost everywhere
Over 2000 locations — find yours.
Prisma
Cashback on purchases, member deals, and on Member days up to -15% on selected household goods.
S-market
Cashback on your purchases and various member deals.
Sale / Alepa
Quick shopping – same cashback as in other S Group stores. Varying member deals.
Food Market
Cashback on treats and specialities too.
Amarillo
Bonus and member deals on meal portions and campaign products.
Rosso
Cashback and member deals on pasta, pizza and children's meals.
Coffee House
Cashback and member deals on coffee, baked goods, and specialty products.
Raflaamo
You can easily find member deals at hundreds of restaurants by browsing Raflaamo.
Sokos
Cashback and member deals on clothing, home products, and cosmetics.
Emotion
Cashback and member deals on cosmetics, skincare, and fragrances.
ABC service stations
Cashback on fuel and purchases. Over 430 stations across Finland.
Sokos Hotels
Member price with S-Etukortti when you book through Sokos Hotels' own channels.
Radisson Blu
Member price with S-Etukortti and cashback on stays.
Eckerö Line
Cashback and discounts on ferry tickets between Helsinki and Tallinn.
Pharmacies
You earn Bonus on over-the-counter products and services at the pharmacy — products that are not prescription medicines.
Emotion
Cashback and member deals on cosmetics, skincare, and fragrances.
Nationwide Bonus partners
Cashback from partner services across Finland.
Local cashback partners
Earn cashback from local partner services and everyday purchases. Find your local partners on your cooperative's website.
Local benefit partners
Discounts and benefits from local businesses without Bonus. Find local partners on your cooperative's website.
S-kaupat
You earn Bonus on everyday purchases and take advantage of offers and campaigns for members.
Prisma.fi
You earn Bonus on online purchases too and can take advantage of member prices across a wide range of products.
Sokos.fi
Earn Bonus on online purchases and take advantage of offers for members.
The more you buy, the more you earn
Your cashback level increases automatically when you shop more.
Bonus is paid on the 10th of each month
Cashback is paid to your account automatically — no effort needed.
All your benefits at a glance
Bonus on purchases
Up to 5% cashback every month.
Visa payment benefit
+0.5% when you pay with S-Etukortti Visa.
Member days
-15–20% off selected products during the campaign.
Member deals at restaurants
Member deals on selected products at over 600 restaurants.
Hotel stays
Get the best price on hotel stays at Sokos Hotels with S-Etukortti.
Fuel and charging
Cashback and benefits at over 430 ABC stations.
Cashback on insurance
Get Bonus cashback on personal insurance from LähiTapiola.
Your benefits
Personalised benefits in S-mobiili.
Everything in S-mobiili
Bonus, receipts, payments and banking services.
Bonus Q&A
Where can I check my earned cashback?
Where can I check my earned cashback?
In the S-mobiili app: select "S-Etukortti" at the bottom of the screen, then go to the Bonus and purchases view.
On the S-käyttäjätili.fi website: sign in at S-käyttäjätili.fi. You'll see your cashback status when you go to the Co-op membership section in the top menu. The section appears once you've added your S-Etukortti details to your S-käyttäjätili.
Where can I check which locations earn Bonus?
Where can I check which locations earn Bonus?
Search them by selecting "Locations" from the main menu.
In S-mobiili: select "S-Etukortti" at the bottom of the screen. The store locator is at the bottom of the view that opens.
What are S Group's nationwide Bonus partners and how do you earn cashback from them?
What are S Group's nationwide Bonus partners and how do you earn cashback from them?
LähiTapiola:
The policyholder listed on a Bonus-earning insurance must register their S Group co-op membership with LähiTapiola. Read more: http://www.lahitapiola.fi/henkilo/edut/asiakasedut/rekisteroi-bonuksesi
You start earning Bonus on insurance payments made after you register your co-op membership.
Insurance payments made by the 20th of the month are usually included in that month's cashback purchases. Purchases are registered in the final days of the month.
Oral Hammaslääkärit:
You earn Bonus by showing your S-Etukortti when you pay at an Oral clinic.
The purchase is registered for the month you pay.
Silmäasema:
You earn Bonus on eligible purchases by showing your S-Etukortti when you pay at a Silmäasema clinic.
The purchase is registered for the month you pay.
Moi:
You earn Bonus on all Moi consumer subscriptions by signing in as a co-op member in the Mun Moi service. Read more: https://www.moi.fi/bonus/
The purchase is registered for the month after the invoice date.
What is the difference between Refuelling Bonus and Bonus?
What is the difference between Refuelling Bonus and Bonus?
You earn Refuelling Bonus when you fill up at ABC stations — up to 5 cents per litre. The Refuelling Bonus amount per litre depends on your household's monthly cashback level. Refuelling Bonus is paid monthly together with your Bonus payment. For example, if all your purchases in a month qualify for 3% Bonus, you get 3 cents Refuelling Bonus for every litre you fill up that month. Refuelling Bonus replaces the percentage-based Bonus on fuel purchases. Note that fuel purchases still count towards your monthly Bonus purchases, which means they also increase your cashback level.
Bonus is a percentage-based cashback on all purchases made by your household during the month. Your cashback level is determined by your cooperative's Bonus table. View Bonus tables
What doesn't earn Bonus?
Due to legal or regulatory requirements, these purchases do not earn Bonus.
Alcohol and tobacco products
Veikkaus games and lottery tickets
Medicines reimbursed by Kela
Bottle returns
Online store delivery fees
Purchases made with business cards
Get started in just a few minutes
The membership fee is 100€ — you can pay it when you join, in smaller payments, or with the cashback you earn. If you ever decide to leave us, you’ll get it all back.
