Two-thirds of Finland's population are S Group co-op members.
One programme, all of Finland
Pay, save, and benefit at over 2,000 locations around Finland — and some in Estonia too!
UP TO 5 %
CASHBACK
Earn real money, not points. Get up to 5% cashback on your purchases, with an additional 0.5% for all S-Etukortti Visa transactions, paid directly to your bank account every month.
LOWER RATES,
ALL OVER FINLAND
Enjoy savings and earn Bonus from groceries, dining, hotels, fashion, cosmetics, fuel, telecoms, and many more, across Finland. We're everywhere you are.
DAILY BANKING SERVICES FOR FREE
All co-op members enjoy a free bank account, S-Etukortti Visa, and online banking services with the S-mobile app. No monthly or annual fees whatsoever! Learn more.
Find us anywhere
WHAT YOU NEED TO JOIN
- At least 18 years of age
- Finnish home address
- Finnish phone number
- An email address
- Online banking credentials
- 15–30 minutes of your time
- a deposit of €100*
*Becoming a co-op member involves a deposit of €100 that’s fully refundable if you leave the programme. Paying the deposit in full upon joining grants you immediate access to all member benefits and perks. Alternatively, you can start with a minimum of €20, and the remaining balance is deducted from the Bonus you earn from your purchases until paid in full.
Frequently asked
No worries! You can get your credentials by opening an account with S-Bank and join the co-op on the same visit. Just grab your passport and head to a S-Bank service point. Find your nearest S-Bank service point here.
Absolutely! All member perks are yours to enjoy from day one for as long as you’re here, whether that’s just months or the rest of your life. There are no term limits, and we’ll return your membership deposit in full — just let us know that you’re gone for good to speed things up!
Nope, it’s not a requirement. We’re still working on the English translations, so we must ask you to rely on your browser’s automatic translations, or ask a native speaker for assistance during the joining process. It’s not ideal, we know, but we promise it’ll be worth the effort!
There are 19 co-ops to choose from, and you must join one. We recommend that you choose the one closest to where you live. In the capital area (Helsinki, Espoo, Vantaa and nearby towns), the co-op is HOK Elanto. See the list of co-ops on the map here.