Why isn't cashback paid or earned on the products you bought?

My purchases don't show in my cashback

Bonus appears in the current month's cashback balance the day after your purchase. Some payments, such as hotel rooms, may take a few days to appear. The same applies to purchases made with Bonus partners.

LähiTapiola Bonus doesn't show

Insurance premiums paid to LähiTapiola by the 20th of the month count towards that month's cashback. Payments made later (21st–31st) are credited to the following month.

If your Bonus hasn't been paid:

1. Membership fee status

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

• If only partially paid, the rest is collected from your Bonus

• Once the membership fee is paid in full, Bonus is paid as money to your S-Tili Account at S-Bank

• Check and pay in full in the online service

2. Primary member of the household

• Are you the primary member of your co-op household?

• If you earn Bonus for another person, Bonus is paid to their account

3. Benefits payment account

• Check in S-mobiili or S-Bank 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 the following purchases:

• Tobacco products

• Alcohol

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

• Business purchases (Bonus is for private individuals only)

• Invoiced purchases and contract-priced products

• Tax-free purchases at S Group locations

• Gambling and lottery tickets

• Intermediary products, such as cinema tickets, game vouchers, etc.

• Bottle returns (the deposit is already included at the time of purchase)

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

Why don't I earn Bonus on bottle returns?

Bonus is earned 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 purchase

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

Can I get Bonus retroactively?

You cannot get Bonus retroactively. If you forgot to show your S-Etukortti when making a purchase, Bonus cannot be credited afterwards.

How to make sure you earn Bonus:

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

• Use S-Etukortti in S-mobiili (contactless or barcode)

If your physical card is in poor condition:

• Order a new one: sign in to the online service or in the Me section of S-mobiili

• Visit a Service and bank point → you'll get a temporary card immediately