Our Bonus is cashback

And that’s what you get with the S-Etukortti member card. Sign up as a member of co-operative and get your own S-Etukortti as well as valuable joiner’s benefits!Cashback is paid to your bank account on the Bonus Payday, which is the 10th of every month.

Join onlineJoiner's benefits

Here's what you get with your S-Etukortti

Up to 5% cashback
Our Bonus is cashback. Just remember to scan your S-Etukortti and you will get money back for your purchases – you can do whatever you want with that money. The more you shop with us, the more money you get back. At best, you can receive up to 5% of your total purchases in cash in your bank account each month.
+2000 locations
Get cashback on all your purchases at S Group’s stores, online stores, restaurants, gas stations and hotels. You will also get cashback when you shop with our partners! There are over 2,000 of our locations across Finland, so earning cashback in your everyday life is easy.
Get to know our partners
Banking services free of charge
Cashback will always be paid to your S-Bank account on the 10th day of each month – you will receive an account, an S-Etukortti with your preferred payment features and online banking credentials free of charge. Psst! Pay with your S-Etukortti and you will get an extra 0,5% cashback!

For you and everyone you live with

For you and everyone you live with
Do you live with a spouse, children or roommates? Only one of you needs to join, and they can invite the others along – all of you will receive all the same benefits and your own S-Etukortti cards that you can use to earn cashback together. You can add the other people in your household in S-mobiili or through your S User Account.

Download S-mobiili

Download S-mobiili
Downloading the S-mobiili member app is worth it – it makes it easy to monitor how much cashback you’ve earned on your bank account, and how close you are to your next Bonus level. In S-mobiili, you can also see all purchases you’ve made at S Group’s stores, as well as purchase and warranty receipts and your monthly selection of coupons.
Download S-mobiili
Your S-Etukortti on your phone
With S-mobiili, you can also have your S-Etukortti on your phone. Choose the most suitable mobile card for your phone and earn cashback conveniently with your phone!
How to add an S-Etukortti on your phone

Every 10th day is a Bonus Payday

Hi! My name is Eero. On the 10th day of every month, I pay more than 40 million euros to our members’ bank accounts. When you scan your S-Etukortti at S Group’s stores, online stores, restaurants, petrol stations or hotels, you earn Bonus – and our Bonus is cashback. Just remember to scan your S-Etukortti and you will get money back on your purchases.

Learn more about the Bonus Payday

Take care of everything in the mobile app or online

S-mobiili
The member app that allows you to keep your S-Etukortti, benefits and S-Bank services always with you.
ABC-mobiili
An app for motorists for refuelling, car wash and restaurant services on the go.
S-kaupat app and S-kaupat.fi
The most popular online grocery store in Finland – conveniently order groceries to your home or to a pick-up point.
S-ostoslista
Create shopping lists with your family members and collect your shopping faster.
Sokos Hotels app and sokoshotels.fi
Reserve a hotel room, perform check-in and manage your reservation, all conveniently on the app.
prisma.fi
A wide range of products for home, hobbies and leisure – conveniently online.
sokos.fi
Fashion, cosmetics and home products from popular brands.
raflaamo.fi
Find and book a table at S Group’s over 450 restaurants, cafés and bars.
yhteishyva.fi
Co-op members’ own media – everyday tips, food, well-being and trends.