Leaving S-Pankki - Co op share returned?

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AlexInHelsinki
Posts: 196
Joined: Sun Jun 22, 2008 7:17 pm
Location: Helsinki, Finland

Leaving S-Pankki - Co op share returned?

Post by AlexInHelsinki » Tue May 09, 2017 11:55 pm

Hei,

If/when one closes their S-Pankki account, is the membership share (100€) returned to them in full? Can't find a clear answer online, as obviously they don't focus on people leaving.

Also, if the fee is returned, I guess it wouldn't be into the account as that wouldn't exist anymore, so...do they give you a...er...cheque? Or what?

Has anyone done this and can shed some light here?



Leaving S-Pankki - Co op share returned?

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Upphew
Posts: 9912
Joined: Tue Apr 08, 2008 10:55 pm
Location: Lappeenranta

Re: Leaving S-Pankki - Co op share returned?

Post by Upphew » Wed May 10, 2017 10:10 am

AlexInHelsinki wrote:Hei,

If/when one closes their S-Pankki account, is the membership share (100€) returned to them in full? Can't find a clear answer online, as obviously they don't focus on people leaving.

Also, if the fee is returned, I guess it wouldn't be into the account as that wouldn't exist anymore, so...do they give you a...er...cheque? Or what?

Has anyone done this and can shed some light here?
You have to resign from co-op. Just closing an account isn't enough, though it is enough to stop those pesky bonuses or interest to your share. The share must be returned next year after you resign, iirc. The relevant stuff is in bylaws and Osuuskuntalaki.
Mine:
"32 § Osuusmaksun palauttaminen
Kun jonkun jäsenyys osuuskaupassa on lakannut, saa hän tai se, jolle hänen oikeutensa on siirtynyt vuoden kuluttua sen tilikauden päättymisestä, jonka aikana jäsenyys on lakannut, osuusmaksunsa takaisin siten kuin OKL:ssä säädetään.
Osuusmaksuja voidaan jäsenyyden lakatessa, siinä järjestyksessä kuin eroamisilmoitukset otettu vastaan, palauttaa myös heti, kuitenkin enintään kymmenen prosenttia viimkesi vahvistetun tilinpäätöksen mukaisesta osuuspääomasta vuodessa."
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