Each year, the local cooperative has the option to provide a Return of the Surplus to its members. The decision depends on the cooperative’s performance in the previous year. The Council of Representatives, elected by the co-op’s members, determines each year whether the payment will be distributed.

The Surplus Return is a cashback reward similar to Bonus; however, instead of being credited monthly to the member’s account at S-Bank, it is distributed once a year. This return is calculated as a percentage of the bonus-eligible purchases made by the member and their household at the cooperative’s own locations in the previous year.

To qualify for the Surplus Return, a member must have an active membership in the cooperative at the end of the previous year.

For more information about the Surplus Return for each cooperative, please visit their websites.