Bonus means money
Join and get an S-Etukortti card!
We don’t pay you in points, we pay you a Bonus – that means cash in your bank account. You can get up to 5% money back from your purchases, and another 0.5% by paying with S-Etukortti Visa.
Get an S-Etukortti card by downloading the S-mobiili app and start earning Bonus!
S-mobiili allows you to stay up to date on your Bonus accrual and easily find the nearest stores and best benefits.
The app also serves as your S-Etukortti card, and will also give you access to S-Bank’s daily banking services without any annual or monthly charges.
You can earn Bonus for nearly everything – cosmetics, fashion, restaurants, driving, travel, insurance, phone subscriptions, and your grocery shopping.
You can immediately start earning Bonus with your mobile S-Etukortti card – you will receive your physical S-Etukortti card by mail within two weeks.
Earn Bonus by concentrating your purchases in S Group and its partners’ network of more than 2,000 locations around Finland
Good news – co-op members are paid more than 30 million euros in hard cash to their bank accounts on the 10th day of every month.
Check at least the following benefits:
- Sokos and Sokos Emotion’s monthly discounts.
- Co-op member events at Prisma and Sokos stores
- Co-op member wines
- Discount of up to 25% for hotel stays
- More affordable S-Etukortti pricing at restaurants and cafés
- Free daily banking services at S-Bank: account, card and online banking credentials
- At least 18 years of age
- Finnish home address
- Finnish phone number
- An email address
- Online banking credentials
- a deposit of €100*
*Becoming a co-op member involves a membership fee of €100 that’s fully refundable if you leave the programme. Paying the membership fee 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 a few 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.
See the list of co-ops on the map here.
Which S-Etukortti card suits you best?
NOTE: Certain links on this page may lead you to Finnish-language content, as English equivalents are not available for all websites.