Coop Säästukaart Pluss

A person is holding a Säästukaart Pluss bank card and preparing to pay at a self-service checkout.

Säästukaart Pluss is a client card with which you can use a monthly payment limit when paying for your groceries. You pay for what you’ve bought the following month on the basis of an e-invoice, similar to electricity and mobile phone bills. You can forget your wallet at home because you can add your Säästukaart Pluss to the Coop Estonia app and pay conveniently with your smartphone! As simple as that!

Payment limit up to €800
Interest-free period up to 40 days
Cash directly from the store register
Coop loyalty programme

Cash from the store register

You no longer need to search for an ATM or head to a bank branch to withdraw cash – you can do so in any Coop store while doing your shopping!

Amend your limit whenever you like

You can change your card’s limits in our Internet or mobile bank. It only takes a few seconds, and ensures that your limits match your actual needs.

Interest-free payments for up to 40 days

Decide for yourself when and how much of the credit you’ve used you’ll pay back. You won’t be charged any interest if you pay back the amount you spent the previous month by the 10th of the current month.

A woman is sitting on a wooden chair on a terrace, holding a smartphone. On the table next to her, there is a blue mug and a vase with flowers.

A smart client card in our app

You can easily manage your Säästukaart Pluss in our app. Download the Coop Pank mobile bank so that you always have an overview in your pocket of your Säästukaart Pluss balance, limits and everything else you need. You can log into the app quickly and securely using biometric identification.

Coop Säästukaart Pluss - good to know

Individual of at least 18 years of age and no older than 75 at the time of applying
Estonian citizen or individual with the right to permanently reside and work in Estonia
Net income of at least €300 per calendar month
Good payment history (checked in relevant registers)
Has a current account in a credit institution listed in the Estonian Commercial Register or in an Estonian branch of a foreign credit institution
Individuals acting on the basis of authorisation or other representative rights cannot apply for the Säästukaart Pluss
Credit limit: Up to €800
Interest-free period: Up to 40 days (excl. cash withdrawals). Interest of 19.9% is calculated on the used limit
Monthly fee: €0.95
An unlimited number of additional cards can be issued. No age limit applies to additional cards
Payment deadline: Five (5) calendar days from the issuing of the e-invoice
Coop Pank issues the account holder with an e-invoice for every repayment, based on the amount to be repaid and the date, in accordance with the agreement. The account holder undertakes to notify Coop Pank of their bank account (i.e. the account number and the name of the credit institution or branch) and to order an e-invoice. If they have no e-invoice agreement, the account holder undertakes to make monthly repayments on the basis of a statement taken from the self-service site.
The holders of either the main card or any additional cards, and indeed third parties, can make additional payments into the account linked to the Säästukaart Pluss via bank transfer by using the personal reference number of the card account linked to the Säästukaart Pluss
This increases the available balance of the card and reduces the used limit and other amounts due to be paid
The initial APR is 21.33% per annum under the following sample conditions:
credit limit of €800
fixed interest rate of 19.9% per annum
card issuing fee of €0
card maintenance fee of €0.95 per month
monthly limit repayment amount of 100%
The rate is calculated on the assumption that the total credit is used each month as soon as possible and in the maximum amount, and that the repayment obligation is met in full on the repayment date each month within one year.

As a Coop Säästukaart Pluss client you don’t need to search high and low for an ATM or make your way to a branch to withdraw cash: you can get as much as you need in our stores!
Cash is available from all 320 Coop stores around the country. Find your nearest Coop store . You don’t need to make a purchase in order to withdraw cash either – simply tell the person serving you that you’d like to make a withdrawal using your Coop Säästukaart Pluss.
The fees that apply when making withdrawals are set out in our price list.