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A credit card gives you more freedom because you will always have extra money in case you need it. It could be unexpected expenses, online purchases, travel arrangements or bigger-than-usual daily shopping.
Apply for a card
You decide the sum and the time of repaying the used credit limit.
You can quickly and easily pay for smaller purchases by just touching the terminal with your card.
You can add money to the card any time you want, thus increasing the sum you can use.
Terms and conditions and price list.
To order a card, submit an application on the website, in the Internet bank or at the nearest branch. After the application has been received, a bank employee will make contact to agree a suitable method for concluding an agreement and receiving a card.
Interest on the credit limit drawn down has to be paid monthly. The payment date may range from the 1st day to the 20th day.
Repayment of the credit limit drawn down is flexible: the amount of the credit limit drawn down may be repaid at the time and in the amount that suit you. The bank is entitled to impose on an agreement the obligation of paying a minimum instalment.
All the Coop Pank bank cards have the contactless payment option. Using contactless payment, payments in smaller amounts may be made conveniently and quickly: payments under 25 euros may be made without entering the PIN code or inserting a card into the terminal. All you have to do is wave your card at the terminal.
Contactless payments are secure: from time to time, in the interests of security, the bank requests the confirmation of a transaction also in the case of smaller amounts.
Contactless payments may be made anywhere, both in Estonia and abroad; check whether the terminal is marked for contactless payment. The maximum amount permitted for a contactless payment may vary in different countries.
The option of making contactless payments may be turned off and on again via the internet bank or mobile bank.
The initial annual percentage rate of charge is 20.51% on the following sample terms: limit €1000, fixed interest 18% per annum, card maintenance fee €1 per month, total amount of credit €2223 and total amount of repayments of €2162.
The rate has been calculated on the assumption that the credit limit will be drawn down at the first opportunity and in full and that the credit limit will be repaid monthly in full in single payments in 12 consecutive months.