Kesko

What you get

Plussa is K Group’s customer loyalty scheme. Shareholder’s K-Plussa gives your Plussa household its Best Customer membership level. You get more personalised OmaPlussa offers each week, offers with a higher discount than usual and offers on new products. Kesko’s programme pages promise no fixed saving on your whole shop.

One person qualifies; the household benefits

Your own purchases must meet the spending test. Your partner’s purchases cannot top up your total, even though everyone in your Plussa household receives the resulting membership level.

What the shares change

A household can reach Best Customer without shares by spending more than €6,000 together over the preceding 12 months. The shareholder route needs at least €3,000, but only your own purchases count. If your household already qualifies, the shareholder route gives you the same membership level, not a higher one.

An Avios connection

A Best Customer who is also the main member of their Plussa household can exchange Plussa money and Finnair Plus Avios in either direction. This is an option to exchange rewards you already have, not an extra grant of airline points. Check the current terms with Plussa before exchanging.

What it takes

You need at least 100 Kesko A and/or B shares, combined.

Minimum holding period: None stated on the public programme page.

You must live permanently in Finland, have a Finnish postal address and belong to Plussa. You also need at least €3,000 of your own registered purchases at K Group stores in Finland over the preceding 12 months.

Both share classes count

Kesko’s A shares trade as KESKOA and its B shares as KESKOB on Nasdaq Helsinki. You can combine the two classes to meet the holding requirement.

Holding through a broker

Kesko accepts personal holdings in a book-entry account (arvo-osuustili) or an equity savings account (osakesäästötili). Its privacy notice says it checks the shareholder list maintained by Euroclear Finland, and its public programme terms do not explain how it checks an overseas nominee holding. Ask Plussa whether it can verify your holding. Ask your broker separately what evidence it can supply. No broker route has been tested. An overseas holding does not remove the residence requirement.

Other conditions

Where the benefit applies

K Group grocery stores in Finland

Age and residency

Plussa’s membership rules require permanent residence in Finland and a Finnish postal address. The shareholder FAQ gives no age rule; confirm a minor’s eligibility with Plussa.

Who else can use it

All members of the same Plussa household

Excluded holders

K-Plussa student members; corporate shareholders and business customers

How to claim

You must authorise Kesko to check your shares regularly. If you join Plussa online, its privacy notice says your email address and personal ID are necessary data for the identification process.

1. 1. Check your own purchasesSign in to your Plussa account and check that your personal registered purchases meet the spending test. Use your own total, not the household total.
2. 2. Join through your Plussa accountOpen Join Shareholder’s K-Plussa and sign in. Give Kesko permission to check your shares. Holding the shares alone does not enrol you.
3. 3. Check your offers before shoppingAllow up to a month for activation. Check your offers in the K-Ruoka app or your Plussa account, then use your Plussa identifier when paying.

Exclusions and limits

Excluded: K Business card purchases from your personal spending total.

Dates

Benefit issued

Best Customer benefits activate within a month of joining.

Renewal

The membership level lasts 12 months. Kesko then checks the shareholding and personal purchase requirements again.

Practical notes

Who it suits

The offer suits Finnish residents who already shop at K Group. Kesko’s programme pages give no cash value, and your saving depends on the offers you use.