And you can earn up to 5% of it. The 10th day of every month is the Bonus Payday.
Join and get an S-Etukortti card!
We don’t pay you in points, we pay you a Bonus – which means money in your bank account. Get up to 5% cash back on your purchases, and another 0.5% by paying with S-Etukortti Visa.
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.
Earn Bonus with your phone in three ways – choose the right one for you!
You will receive your physical S-Etukortti card by mail within two weeks.
- Up to 5% Bonus of your purchases from S Group and our partners
- Sokos and Sokos Emotion’s monthly discounts.
- Co-op member events at Prisma and Sokos stores
- Discount of up to 25% for hotel stays
- More affordable S-Etukortti pricing at restaurants and cafés and co-op member wines
- Free daily banking services at S-Bank: account, card and online banking credentials
Get student content from S Group and its partners in S-mobiili. You just need to switch on the student status in S-mobiili or on the S User Account website.
Every week, we draw an S Group gift card worth 100 € among all those who have added the student status.
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.
Bonus and benefits from over 2000 locations around Finland
What you need to join online
- 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.
NOTE: Certain links on this page may lead you to Finnish-language content, as English equivalents are not available for all websites.