End of co-op membership
Updated 4 months ago
If you don't pay the full membership fee (100 euros) within the deadline, the co-op will terminate your membership and you'll lose your member benefits. You'll receive a refund of the membership fee you paid to your S-Bank account.
What happens when co-op membership ends?
The cooperative may terminate your membership if you do not pay the full membership fee (100 €) within the deadline. When you join, you pay at least 20 euros, and you can earn the rest with Bonus, for example. If you do not complete the payment on time, the cooperative will terminate your membership. You have 2 or 5 years to earn the membership fee, depending on your cooperative's rules.
When your membership is terminated, you lose access to co-op member benefits (Bonus, card payment cashback, free banking services, etc.). You will get your paid membership fee back.
You can continue enjoying the benefits in two ways:
Join the cooperative again as a co-op member
Join another person's household
Why am I no longer part of a household?
When the primary member of your household loses their membership, the entire household is dissolved. Household members are then left without a household.
If you want to continue enjoying co-op member benefits, you can:
Become a co-op member yourself
Join another person's household
What happens to my banking services?
You do not need co-op membership to be an S-Bank customer. You can continue as an S-Bank customer, but note that banking services will be subject to fees after this.
S-Etukortti Visa
S-Etukortti Visa is intended for co-op members and their household members. When you are no longer part of a household, S-Bank will terminate your card.
Accounts and online banking credentials
S-Bank accounts and online banking credentials are free for co-op members and their household members. When you are no longer part of a household, the services become subject to fees.
See the fees at s-pankki.fi/hinnasto by selecting the price list for non-members.
S-mobiili
Access to the S-mobiili app ends when your co-op membership ends. Read more on S-Bank's website.
What happens to my S-Etukortti?
Your S-Etukortti will no longer earn Bonus after your co-op membership ends. You can dispose of the card.
If you join as a co-op member, you will receive a new S-Etukortti. It will be linked to your new household.
What happens to the membership fee I have already paid?
You will receive your paid membership fee in full to your benefits payment account at S-Bank. If you do not have a benefits payment account, contact your cooperative.
How can I join again as a co-op member?
You can join as a co-op member:
In the Join as a co-op member online service
When you download S-mobiili to your phone for the first time
At a Service and bank point (book an appointment)