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.

You can join as a co-op member online provided you meet the following requirements:

• You are at least 18 years old.
• You have a Finnish personal identity code.
• You have a permanent address in Finland.
• You do not have an existing cooperative membership.
• You have online banking credentials to enable identification and payment of the share capital. You can also use mobile authentication for identification.

• No, you don’t. You will receive the S-Etukortti card when you join the cooperative as a co-op member or join a co-op member household.
• The S-Etukortti Visa payment card is also free of annual and monthly fees for all members of co-op member households.
• If the card needs to be renewed during the validity period – for example, if it is lost – the renewal is subject to a fee according to S-Bank’s service price list: Service price list (s-pankki.fi)

However, when you become a co-op member, you will have to pay a membership fee. The membership fee is not a payment for the card, but an investment that will be returned to you if you decide to give up your co-op membership at some point. You can pay the membership fee either in full as soon as you join (100 euros) or in instalments (at least 20 euros). A person added to a co-op member household does not have to be a co-op member, so the membership fee is only needed from one person in a household.

• First, make sure you are a co-op member. It is a prerequisite for you to be able to invite family members to join your co-op member household. Family members do not need to become co-op members – they will receive their own S-Etukortti cards when they are added to your co-op member household.
• Send invitations to your family members by logging in at  S-kayttajatili.fi/en  (Co-op membership / Membership information) or in S-mobiili (Minä (“Me”) / Omat tiedot (“My information”)/ Asiakasomistajuutesi (“Your co-op membership”) / Asiakasomistajataloutesi tiedot (“Your co-op member household information”)):
  • click the Invite an adult to your co-op member household  link, which will send the invitations by email.
• Once your family members have accepted their invitation, you can order cash cards for them either in S-mobiili or through your S User Account.
• If a family member connected to a co-op member household wants an S-Etukortti Visa payment card, they can apply for it themselves at S-Bank: Order S-Etukortti Visa (in Finnish) | S-Bank.
• As a legal guardian, you can add family members who are minors to the household directly and without a separate invitation via the Add a person who is a minor to your co-op member household link. You can also order cash cards for them at the same time.

As a co-op member, you will receive an S-Etukortti Visa card without any annual or monthly fees. The card will be linked to your S-Bank account, and when you pay with it, you will also receive a 0.5% payment method-related benefit from S Group stores. Like Bonus, the payment method-related benefit is paid to the main member’s S-Bank account on the 10th day of the month following the purchases.

Read more and order S-Etukortti Visa (in Finnish) | S-Bank

If your card does not have payment functionality, you can order a new cash card through your S User Account. Log in to the service at s-kayttajatili.fi/en and go to “Co-op membership” / “Membership infromation,” where you can place a card order.

You can also order a cash card by calling S Group’s co-op member service at 010 76 5858 on weekdays from 9 am to 4 pm (local network/mobile call charge) or by visiting the nearest Co-op Member Service and S-Bank -Service Point (book an appointment).

If you have lost your S-Etukortti Visa card, immediately call the card blocking service at 020 333 (service available 24 hours a day, when calling from abroad, dial +358 20 333). You will automatically receive a new card after reporting it.

If your S-Etukortti Visa card is damaged, you can order a new card through S-Bank’s online bank either from the card details or by message, or by calling S-Bank’s Customer Service at 010 765 800 on weekdays from 9 am to 4 pm (local network/mobile call charge).

There is a charge for renewing the payment card according to S-Bank’s service price list.

First, ensure that you are a co-op member. This is a requirement for inviting your family members to join your co-op member household. Family members do not need to become co-op members themselves – they will receive their own S-Etukortti cards once they are linked to your co-op member household.

Send invitations to your family members by logging into your S User Account at s-kayttajatili.fi/en (Co-op membership/ Membership Information): Click on the “Invite a person over the age of 18 to you co-op member household” link, after which the invitees will receive an email invitation.

Once your family members have accepted their invitations, you can order them S-Etukortti cards via your S User Account.

If a family member linked to the co-op member household wants an S-Etukortti Visa payment card, they can apply for it themselves through S-Bank.

You can directly add underage family members as their guardian by selecting the “Add a minor to your co-op member household” option. Then, you can proceed to order S-Etukortti cards for them.

• S-mobiili iPhone users can add the S-Etukortti card to Apple Wallet from S-mobiili’s Minä (“Me”) section.
• S-mobiili Android users can enable an S-Etukortti card using the phone’s NFC feature in S-mobiili’s Minä (“Me”) section.
• All S-mobiili users can use the S-Etukortti barcode found in the S-Etukortti section.

More information about the mobile S-Etukortti: S-Etukortti Cards

• The S-Etukortti barcode is automatically available to you at the top of S-mobiili’s S-Etukortti section. You can use S-mobiili to present the barcode to the salesperson at the checkout before paying for purchases. The salesperson will then log the purchases as Bonus purchases by scanning the S-Etukortti barcode.
• The NFC S-Etukortti card for Android phones must be activated separately for use in S-mobiili. When the service is activated, you can log your Bonus purchases yourself by opening S-mobiili and moving your phone to the payment terminal’s NFC scanning area. You do not need to log in as long as S-mobiili is activated. The payment terminal will inform you when the Bonus has been logged.
• With an iPhone, you can add your S-Etukortti card to Apple Wallet in S-mobiili’s Minä (“Me”) section

More information about the mobile S-Etukortti: S-Etukortti Cards

In the S-mobiili app: select “S-Etukortti” at the bottom of the screen, then navigate to the “Bonus and Purchases” view.

On the S User Account website: log in at S-kayttajatili.fi/en. You can view your Bonus status by navigating to the “Co-op membership” section in the top menu of the page. This section will be visible to you once you have added your own S-Etukortti card details to your S User Account.

You accumulate Refuelling Bonus when you refuel at ABC stations – up to 5 cents per liter. The amount of Refuelling Bonus per liter depends on your household’s monthly bonus percentage. Refuelling Bonus is paid monthly along with the Bonus payments. For example, if all your bonus purchases for the month qualify for a 3% Bonus, you’ll receive 3 cents of Refuelling Bonus for each liter refuelled that month. Refuelling Bonus replaces the percentage-based Bonus on fuel purchases. However, it’s worth noting that fuel purchases are included in your monthly bonus purchases, meaning they also increase your bonus percentage.

Bonus is a percentage-based rebate on all bonus purchases made by your household during the month. The size of the Bonus percentage is determined by the cooperative’s bonus table.

Bonus is a purchase rebate, or money that is paid to you as a co-op member benefit from all S Group and partner bonus-issuing locations.

“Bonus tuplana” is a temporary campaign benefit where participating locations pay out Bonus at double the rate. Campaign purchases are registered in bonus purchases as usual, but the Bonus earned from them is paid out at double the rate. This benefit applies only to purchases made at campaign locations during the campaign period.

The bonus percentage is determined by the total amount of bonus purchases. For example, if the bonus percentage for your household’s combined bonus purchases during the campaign month is 3%, you’ll receive 6% Bonus on “Bonus tuplana” campaign purchases.

If the Bonuses from your purchases haven’t been transferred to your S-Tili Account, please check the following:

• Have you paid your cooperative membership fee in full? When you joined as a co-op member, you might have paid only part of the 100 euro membership fee and agreed to accumulate the rest with Bonus. Once the membership fee is fully paid, the earned Bonus will be transfered to your S-Tili account at S-Bank. You can check the status of your membership fee and pay it in full if necessary, through your S User Account (log in at S-kayttajatili.fi/en).
• Are you the main member of the co-op member household? The earned Bonus is always transferred to the main member’s account at S-Bank.
• Confirm either through S-mobiili app or S-Bank’s online bank that your S-Account is designated as the deposit account for benefits.

Bonus is always calculated based on the total amount of purchases made:

When you purchase bottles, the bottle deposit is included in the bonus purchase amount. When you return the bottles, you receive the deposit back, and it is deducted from the total purchase amount.

Bonus is not accrued from:

• Business purchases (Bonus is intended for private households only)
• Invoiced purchases or contract-priced items
• Tax-free purchases made at S Group outlets
• Most brokerage products, such as gambling and lottery products
• Tobacco products or alcohol
• Purchases of S Group gift cards (The customer receives Bonus with their S-Etukortti card at the time of purchase when paying with a gift card)
• Bottle returns (the bottle deposit is included in bonus purchases at the time of purchase)

Outlets have no obligation to retroactively add purchases made without an S-Etukortti card to the accrued Bonus purchases.

Please ensure that you have your S-Etukortti card with you and that the card works. You can also use the S-Etukortti card available in S-mobiili through your device’s NFC feature or a barcode. Read more about the various options at: s-kanava.fi/en/bonus-equals-cash/s-etukortti-cards/

If your cash card is in a poor condition, you can order a new card by signing in to s-kayttajatili.fi, in S-mobiili app Minä (“Me”) section or by visiting a co-op member service and S-Bank service point.

1. Go to the address s-kayttajatili.fi/en and click on “Create an S User Account”.
2. Enter your email address and click “Continue”.
3. Confirm your email address by entering the confirmation code sent to your email.
4. Link your S-Etukortti Card to your S User Account – be prepared to authenticate with your online banking credentials.
5. Check and complete any missing contact information and accept the terms of use.
6. Confirm your phone number so you can log in with text messages in the future.

You don’t need to remember a separate password; you’ll always receive a confirmation code for your chosen login method.

Learn more about S User Account here

You can change your email address either in the S-mobiili app or at s-useraccount.fi/en.

In S-mobiili app: Open S-mobiili and go to the “Minä” section > Select “Omat tiedot” under your name > Go to your  Email and enter your new email address + click “Confirm” > Open the confirmation email sent to your inbox and note down the confirmation code > enter the confirmation code.

On S User Account website: Go to s-kayttajatili.fi/en and log in to the service. On the “My information” page, you will see the email address associated with your account. > Click the “Edit” button > Enter your new email address and click “Confirm” > Open the confirmation email sent to your inbox and note down the confirmation code > enter the confirmation code.

Similarly, you can also change your phone number either in the S-Mobile app or on the S-User Account page.

Q: I forgot my S User Account username, how can I find it?

A: Your username is your email address.

If you no longer have access to the email account associated with your S User Account, you can log in using your online banking credentials, provided that you have linked your own S-Etukortti card to your customer information.

Here’s how to log in with online banking credentials:

1. Enter your email address (the one you no longer have access to) on the screen and select “Online Banking Credentials” from the next screen.
2. Complete the authentication process on your chosen bank’s page.
3. Immediately after logging in, change the email address in your customer information to one you have access to.

If logging in with online banking credentials is not possible, please contact S-Group’s customer ownership service at +358 10 76 5858, Monday to Friday from 9 am to 4 pm (local network charge/mobile charge) or send a message through the feedback form at https://www.s-kanava.fi/sv/feedback/  Select “Coop membership, the S-Etukortti card and Bonus” as the topic.

You can log in using your online banking credentials provided that you have linked your own S-Etukortti card to your customer information.

Here’s how to log in with your online banking credentials:

1. Enter the email address (to which you no longer have access) and select “Bank IDs” from the next view.
2. Complete the authentication on your chosen bank’s page.
3. Immediately after logging in, change your email address to one you have access to.

If logging in with online banking credentials is not possible, please contact S Group’s customer ownership service at +358 10 76 5858, Monday to Friday from 9 am to 4 pm (local network charge/mobile charge), or send a message through the feedback form at https://www.s-kanava.fi/sv/feedback/  Select “Coop membership, the S-Etukortti card and Bonus” as the topic.

S-mobiili is compatible with iPhone and Android smartphones. Ensure that you have the following or newer operating systems: iOS 15 or Android 8.0.

Here’s how to check your operating system version:

• iOS: Settings -> General -> About. Here, you’ll find the software version and phone model.
• Android (e.g., Samsung Galaxy S10): Settings -> About Phone -> Software Information

Here’s how to update your operating system version:

• iOS: Settings -> General -> Software Update
• Android (e.g., Samsung Galaxy S10+): Settings -> Software Update Android: Settings -> System -> System Update

Download the S-mobiili app from the app store and register as a user from scratch, just like you did previously on your old device. There’s no limit to the number of devices you can register with S-mobiili, so you can have it installed on multiple devices.

If you’re using S-mobiili with S-Bank’s bank credentials on another device, it’s advisable to remove unnecessary devices after setup: Me / Identification / Remove from use.

S-Bank has restricted the download and update capabilities of the S-mobiili app abroad to prevent misuse as follows:

1. Restrictions on downloading S-mobiili: You can only download S-mobiili as a new app when your phone’s Country setting is set to Finland (including Åland) and you are physically in Finland.
2. Restrictions on updating S-mobiili: You can only update the S-mobiili app version when your phone’s Country setting is set to Finland, Sweden, or Estonia. By selecting one of these countries as your phone’s country setting, you can update the app even when abroad. Changing the country or region in the app store:iOS: App Store – Account – Customer selects themselves > Country/Region > Change country or region > Choose the country or region for the store that matches the billing address of your payment method > Finland

   Android: Play Store – Open the Google Play Store app on your Android device > Profile icon > Settings > General > Account and device preferences > Country and profiles > Select the country you want to add the account to > Add a payment method for the country by following the on-screen instructions.

With your S-Etukortti card, you automatically receive electronic receipts for purchases made at these locations: S-kaupat.fi, S-market, Prisma, Sale, Alepa, Food Market Herkku, Prisma Rauta, Sokos, Emotion, and ABC.

Note! Electronic receipts are currently only available from physical locations in Finland and S-kaupat.fi. Receipts from other S Group online purchases are not currently added in the Receipt Archive.

Only purchase receipts are stored in the receipt archive; receipts for deposits or withdrawals made at the checkout are not archived.

Yes, on your S User Account at S-käyttäjätili.fi/en, you can disable the receipt archive completely or remove individual receipts.

If you completely disable the electronic receipt archive, your purchase and warranty receipts will no longer be saved in the archive. Any receipts that have accumulated up to that point will also be permanently deleted.

After this, you will receive a paper receipt at the checkout, meaning that any previously used paperless transaction option will no longer be available.

Good to know:

The receipt archive is an integral part of the digital services offered to co-op members of the S Group. The archive is activated when you accept the terms of use for the digital services. A receipt stored in the archive also fulfills the legal obligation to provide a receipt.

The receipt archive is simply a way to store receipts digitally, which would otherwise be automatically printed at the checkout. The receipts are not stored on your device; you can only view them in your personal information on S-mobiili and S User Account. Therefore, they do not take up any storage space on your device.

No, they cannot. Receipts from the cashier and warranty receipts are personal. Each co-op member household member can only view the cashier and warranty receipts accumulated from purchases made with their own S-Etukortti in the service.card

Follow these steps to opt out of paper receipts:

1. 1. Log in to your S User Account at s-kayttajatili.fi/en.

1. 1. Navigate to Co-op membership / Membership information and deactivate paper receipts.

1. 1. Then, update the Paperless service to your S-Etukortti card: Visit your local S Group self-service point with an S-Etukortti terminal (available at Prisma stores, most S-market stores, and many Sale stores, for example). Insert the S-Etukortti Visa card into the terminal’s chip reader and press F1.

1. 1. The terminal will notify you when the update is complete.

1. 1. If you’re using the S-mobiili app, you can also deactivate paper receipts in the “Minä” (“Me”) section of S-mobiili.

From then on, when you use the S-Etukortti Visa card for payment or scan your S-Etukortti card using S-mobiili’s NFC function on an Android device, a paper receipt will only be printed if specifically requested at the cash register. Lear more here

The S-Tili Account is S-Bank’s current account. You can designate your S-Tili Account as the payment account for your accrued cash benefits as a co-op member, such as Bonus, Refuelling Bonus, and Payment method-related benefits. With the S-Tili Account, you can use your S-Etukortti card equipped with a debit feature for purchases, and you can view its transactions online or through the S-mobiili app.

The S-Tili Account is free of monthly and annual fees for co-op members and all individuals within the same co-op member household. One person can have multiple S-Tili Accounts, and you can also grant usage rights to others. Both co-op members and all members of their co-op member household can open an S-Tili Account. For minors, the account is opened by their legal guardian. For more information about the S-Tili Account, you can visit S-Bank’s website: Welcome to S-Bank | S-Pankki

If you’re a member of a cooperative and you use the S-Etukortti Visa card to make purchases at S Group locations in Finland, you get a benefit called a payment method-related benefit. This benefit grows at a rate of 0.5% of your purchases. So, every time you use your S-Etukortti card to pay, you not only earn Bonus but also this additional benefit.

Applicability: This benefit applies to all transactions made with the S-Etukortti Visa card, whether you pay directly from your bank account or with credit. It accumulates for all cards linked to the same cooperative member household.

Exceptions: There are a few exceptions to what qualifies for this benefit. You won’t earn it on purchases of tobacco or alcohol, or on certain items like gambling products. For instance, if you buy from an S Group car dealership, you’ll earn this benefit on services and parts, but not on buying a vehicle itself. Similarly, at S-Rauta stores, you’ll earn it on most purchases eligible for Bonus.

Limitations: Additionally, note that you won’t earn this benefit at S Group locations outside of Finland or at S Group partner locations.

You can keep track of how much of this benefit you’ve earned through tools like S-mobiili or by logging into your S User Account. At the end of each month, the total benefit accumulated by your household is deposited into the main member’s account at S-Bank, along with eventually earned Bonus.

Yes, you can also pay with mobile payments at the S Group using mobile payment methods that have a universal payment card behind them. Examples of such payment methods include ABC mobiili app, Google Pay, and Apple Pay.

The payment instrument can be a mobile phone or smartwatch payment app.

The co-op membership fee is a 100 euro investment that makes you a co-op member. This entitles you to your own S-Etukortti card, which unlocks all the benefits available to cooperative members, such as Bonus rewards on your purchases and discounted prices on many products and services.

If you ever decide to relinquish your membership, you will naturally receive back the membership fee you paid.

If the deadline for completing your membership fee payment is approaching and you haven’t paid the full amount yet, here’s what you can do:

If you wish to pay the remaining balance of the membership fee, you can do so by logging into your customer account at S-käyttäjätili.fi/en or by visiting the nearest Co-op member Service and S-Bank  Service Point (find the nearest one and book an appointment).

However, if the membership fee is not paid in full by the deadline, unfortunately, according to the guidelines, the cooperative will have to terminate the co-op membership.

The cooperative may issue a Return of Surplus to each co-op member once a year, in addition to the Bonus, provided that the financial performance of the previous year allows for it.

The decision to reward the co-op members with a return of surplus refund is made yearly by the Co-operative’s Council of Representatives.

The Return of Surplus is calculated as a percentage of purchases made by each co-op member at the cooperative’s own outlets during the previous year.

On the cooperative’s own website, you can find information about whether your cooperative pays out return of surplus. You can find links to the cooperative’s website here.

You can refer to the Privacy Statement of S Group’s co-op member and customer Register for details.

For more information, visit the S Group’s privacy website at https://tietosuoja.s-ryhma.fi/en/what-information-do-we-collect-and-how-do-we-use-it/