Banking services


We offer our members substantial discounts on Danske Bank’s services.

Danske Bank offers OAJ members an automatic discount on their mortgage margins. Membership is worthwhile, as you can get a better deal on a mortgage as a member of an Akava trade union than as a non-member. In addition, no service fees or commissions will be charged on your mortgage.

As a member of OAJ, you are entitled to all of the following financial membership benefits:

  • lower margins
  • no service fees or commissions
  • instalment-free periods at no charge
  • staggered payment plan
  • more affordable day-to-day services

Read about the benefits on Danske Bank’s website (in Finnish)

Take out a loan conveniently without leaving your home

Save time and request an offer on a loan from the comfort of your couch. Danske Bank will transfer your loan to Danske Bank for you. As Danske Bank’s customer, you also get a considerable discount on insurance from Fennia.

When you apply for a loan, consider the following:

  • The cost of the loan takes into account the valid minimum margins. The loan offer indicates the price both as a union member and as a non-union member.
  • An approved credit decision is required for instalment-free periods.

Apply for a loan! (in Finnish)

Take advantage of the additional benefits for recent graduates

If you have recently graduated as a teacher and you are a member of OAJ, you will receive a substantial benefits package from Danske Bank for five years, with no monthly or annual costs. The annual value of the package can even exceed EUR 700.

Danske Bank offers the five-year benefits and service package to members who have recently graduated in the two years prior to the start of the benefits.

Danske Bank’s benefits for recent graduates (in Finnish)

Affordable dream loan for all members from Danske Bank

Danske Bank offers a loan for making your dreams come true. It is available conveniently and quickly online to all of the bank’s customers, depending on their credit standing, up to EUR 10,000, or up to EUR 20,000 for two borrowers. The benefit is offered with no opening fee and at a competitive interest rate.

The partnership agreement between OAJ and Danske Bank is based on Akava’s umbrella agreement. Read more about the banking benefits in Akava trade unions’ Member+ service.

Member+ (in Finnish)