GET AN S-ETUKORTTI CARD AND START EARNING BONUS
Discover a wealth of benefits by getting your very own S-Etukortti card and becoming a co-op member!
As a co-op member, you're not just a customer; you're a valued owner in your local cooperative. Enjoy competitive prices and receive real cash back on your purchases every month, which you can use however you please. Plus, unlock access to exclusive deals as a co-op member. Join us today and start enjoying the benefits!
- 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.
You can get up to 5% cashback from your purchases, and another 0.5% by paying with S-Etukortti Visa at S Group’s locations.
For monthly purchases worth €900, you could receive up to €45 back in real money each month.
Get an S-Etukortti card by downloading the S-mobiili app and start earning Bonus!
You’ll get an S-Bank current account, an S-Etukortti Visa card and online banking credentials without annual or monthly fees.
S-mobiili is your own app as a co-op member, where S-Etukortti, benefits, and banking conveniently accompany you wherever you go.
Stay informed about your Bonus rewards, locate nearby stores effortlessly, and enjoy exclusive benefits with S-mobiili.
In addition to functioning as your mobile S-Etukortti card, the app provides access to S-Bank’s daily banking services.
You can earn Bonus for nearly everything – cosmetics, fashion, restaurants, driving, travel, insurance, phone subscriptions, and your grocery shopping.
With over 2000 locations to choose from, maximising your Bonus is made simple. Remember, every purchase counts, no matter how small.
- 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 cred entials
Which S-Etukortti card suits you best?
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.
NOTE: Certain links on this page may lead you to Finnish-language content, as English equivalents are not available for all websites.