Bonus problems and excluded products

I haven't earned any Bonus. Where has it gone?

Check these things:

1. Membership fee status

• Have you paid your 100 € membership fee in full?

• If you've paid only part of it, the rest is collected from your Bonus

• Once you pay your membership fee in full, Bonus transfers to your benefits payment account at S-Bank

• Check and pay in full in the online service

2. Household main member status

• Are you the main member of your household?

• If you're earning Bonus for another person, the Bonus transfers to their account

3. Benefits payment account

• Make sure in S-mobiili or S-Bank's online banking that your S-Tili Account is set as your benefits payment account

Which products don't earn Bonus?

You don't earn Bonus on these:

General exclusions

• Business purchases (Bonus is for individuals only)

• Invoiced purchases and contract-priced products

• Tax-free purchases at S Group locations

• Intermediated products (e.g. lottery tickets and scratch cards)

• Tobacco products

• Alcohol

• Purchasing S Group gift cards (you earn Bonus when you pay for purchases with a gift card)

• Bottle returns (the deposit is already included as a purchase when you buy the bottles)

See detailed terms in the Co-op Membership Programme Rules (section 3.2.4)

Why don't I earn Bonus on bottle returns?

You earn Bonus on paid purchases, the final total on your receipt.

Here's how it works:

1. You buy bottles → you pay the deposit → the bottle deposit counts as a bonus-eligible purchase

2. You return the bottles → you get the deposit back → the deposit is deducted from your purchase total

Can I get Bonus retroactively if I forgot my S-Etukortti when shopping?

Stores have no obligation to add purchases to your bonus purchase accumulation after the fact.

Here's how to ensure you earn Bonus:

• Keep your S-Etukortti with you and check that it works

• Use S-mobiili's S-Etukortti (contactless or barcode)

If your cash card is in poor condition:

• Order a new one: sign in to the online service or in S-mobiili's Profile section

• Visit a Service and bank point → you'll get a temporary cash card to take with you immediately