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Customer Support

669 0966
Mon-Fri 08.30-19.00

klienditugi@cooppank.ee

Available 24/7 for blocking the card or Internet bank access: 669 0966

Coop Pank
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Coop Pank AS, Maakri 30, 15014 Tallinn, Registry code: 10237832, SWIFT/BIC: EKRDEE22

You are on the website of the companies Coop Pank AS and Coop Liising AS that provide financial services and the insurance marketing company Coop Kindlustusmaakler AS. Before committing to an agreement read the terms and conditions of the respective service and, if necessary, consult an expert. By continuing to use the site, you are agreeing to the terms and conditions of website use.

    Credit card

    The smartphone screen displays a Coop Bank virtual credit card. Next to the phone is a physical Coop Pank credit card.

    With a flexible Coop Pank credit card, you decide for yourself when you make repayments. You’ll also enjoy up to 40 days interest-free, and all of your bigger purchases will be automatically insured.

    You can leave your actual wallet at home, because you can now add your credit card to Apple or Google Wallet straight away and start paying for things with a smartphone or smart watch. When ordering your card, you can choose whether you want a physical (plastic) one or just add an environmentally friendly virtual card to your smart device.

    Flexible repayments

    Choose for yourself when to repay the money you’ve used! You can change the repayment date at any time in our mobile or Internet bank.

    Transfers to your current account

    If you need to, you can also transfer credit to your current account.

    Payment insurance for bigger purchases

    Shopping is always stress-free with a Coop Pank credit card, because any durable goods you buy are automatically covered by 180 days’ purchase insurance.

    Interest-free period

    Enjoy up to 40 days interest-free, repaying what you’ve spent the following month without incurring any additional fees.
    A mother with her two children is preparing food together in the kitchen. One of the children is surprised by something.

    Purchase insurance

    • When you pay with our credit card, purchase insurance automatically applies to any durable goods you buy – ensuring that all of your major purchases are covered.
    • The insurance is valid for 180 days and extends to durable goods with a purchase price of 100-2500 euros. The excess is 30 euros per claim.
    • Durable goods are items for which the manufacturer foresees a long period of use: mobile phones, tablets, laptops, clothes, shoes, electric scooters, precious stones and metals, leather goods, paintings, sculptures and more. They don’t include e.g. used items, foodstuffs, motor vehicles, plants or animals. Note that for certain goods (such as technical equipment) there is a maximum compensation amount of €500.
    • Coop Pank's purchase insurance partner is IF P&C Insurance AS. You can review the terms and conditions of purchase insurance here.
    A woman stands in front of an open door, holding one large white suitcase and one small black suitcase.

    Travel insurance

    • For worry-free trips, add travel insurance with monthly premiums to your credit card – that way you and any family members travelling with you will be covered!
    • Our cover includes medical assistance, luggage, travel interruption, liability and legal assistance insurance, as well as up to €200 in calls and e-mails you need to make while abroad.
    • The policy is valid worldwide (excl. Russia, Ukraine and Belarus) and includes COVID-19 cover.
    • Annual travel insurance costs just €8.90 a month. Coop Pank’s travel insurance partner is IF P&C Insurance AS.
    • View terms and conditions of travel insurance.
    A person paying at a café with a smartwatch at a payment terminal.

    Smart ways to pay

    • We support a wide range of devices to which you can link your card and make secure payments.
    • You can activate your card instantly and start using it on your smart device.
    • Open Wallet and use the secure Apple Pay or Google Pay anywhere you see the contactless payment sign.
    Payback

    Coop Pank's payback

    Each month, one lucky client gets everything they spent the previous month paid back to them. And if you transfer your salary payments to your Coop account, we'll pay double!
    Everyone who performs at least five transactions a month with one of our cards is entered in the draw.

    A person is paying with a Coop Pank bank card in a café.

    Partner offers

    All offers

      Credit cards - good to know

      • Monthly fee1 €
        Sending, blocking and closing of cardFree
        Credit limitMax. 5000€
        Interest rateFrom 18% on credit used per annum
        Payments with bank cardFree
        Cash withdrawal from ATM2.5% of amount + €2 per transaction
        Coop Sula withdrawal2.5% of amount + €1 per transaction
        Coop Sula deposit0.5% of amount + €2 per transaction
        Transfer to current account2.5% of amount + €1 per transaction
        Travel insurance with monthly premiums€8.90 per month
        • Private individual of at least 20 years of age
        • Minimum monthly net income of €500
        • Estonian citizen or resident of Estonia whose residence permit is valid at least until the expiry date of the card
        • Good payment history: no debts arrears and no ongoing credit issues
        • Having assessed the creditworthiness of the applicant, the bank must be convinced that the obligations arising from the contract will be met on the terms and conditions agreed therein
        • You can find the standard terms and conditions of credit cards here
      • You’ll find the calculator here.

      • Choose the repayment that best suits you. You can always change it quickly and easily in the Internet bank.

        1. Repay all of the credit you used in the previous month → if you want to use your card interest-free.
        On the 10th of every month, all of the credit you used in the previous month will be automatically debited from the current account linked to your card and you'll be charged no interest.

        Make repayments yourself → if you want to choose when and how much of the credit you’ve used to pay back.
        You can choose the frequency and amount of your repayments. Only the interest that’s accumulated for the credit you’ve used will be debited from the current account linked to your card on the 10th of each month. You can choose the repayment date of the amount you’ve used yourself. No interest is charged if the repayment is made before the 10th of the month. The total amount of credit used must be repaid when the agreement expires.

        3. Pay a fixed amount every month → if you want to set a fixed amount for your repayments.
        On the 10th of each month this fixed payment will be debited from the current account linked to your card. This monthly payment isn’t charged automatically if you haven’t used any credit or you’ve already paid it back. The payment doesn’t include interest. The interest that’s accumulated for the credit you’ve used is debited from your current account on the 10th of each month.

      • A credit card represents a financial obligation in assuming which we recommend that you seriously consider your needs and possibilities.

        • Think about what you’ll need credit for and in what amount
        • Plan ahead in terms of how you intend to repay any credit you use
        • Examine the standard example of APR so that you’re fully aware of the cost of using a credit card, including how interest is calculated
        • Remember that if your financial situation deteriorates for any reason, you’ve taken on a financial obligation whose repayments you’ll still need to meet regardless of the change in your circumstances
        • Before entering into an agreement, we recommend reading through all of the documentation involved: the agreement itself, the information sheet that comes with it and the standard terms and conditions of the credit card
        • If you have any questions or concerns, don’t hesitate to contact us immediately - whether you need more information or have run into payment difficulties, we’ll work with you to find the best solution

        Example of annual percentage rate:

        The initial APR is 22.21% per annum under the following sample conditions: credit limit of €1000, fixed interest rate of 18% per annum, card fee of €1 per month, total amount of credit €1119.76 and amount of repayments €1107.76.

        The rate is calculated on the assumption that the total credit is used as soon as possible and in full, that the credit used is repaid monthly in equal payments over 12 consecutive months and that interest and the card’s monthly fees are paid alongside the monthly repayments of the credit.

      • Find out more about secure card use here.

      • You can do this at any time in our mobile or Internet bank. If you do change it, the change will take effect immediately, i.e. if you make the change before the 10th of the month, your repayments will start taking place on the newly chosen date that same month. Changing how you pay off your credit card is free of charge.

      • If you’ve lost your card or it’s been stolen, immediately block it in the mobile or Internet bank or call us on 669 0966. Let us know even if you’re not sure you’ve lost it – it can be blocked temporarily.

        To order a new card, call us on 669 0966 or send us a notification in the Internet or mobile bank. This will ensure that your credit card agreement continues on the same terms and conditions.

      • To change your credit limit, contact us and submit a notification in the Internet or mobile bank. If you want to change your monthly limit, cash limit or contactless limit, you can check and amend these yourself in the mobile or Internet bank. If you set limits on your card, bear in mind that they should be as low as possible and that you only enable the functions you use on a daily basis. That way you’ll always be as well protected as you can be against card fraud, and besides, changing your limits in the mobile or Internet bank is so easy that you can do it in a matter of seconds any time you need to.

      • If you discover transactions on your account statement that you haven't made or if it involves a merchant you're unfamiliar with, immediately block your card and inform the bank without delay. You can block your card through mobile or internet banking or by calling 669 0966 around the clock. To dispute transactions, submit a corresponding application to the bank through internet or mobile banking.

      • Agreements can only be digitally signed by the company representative using Smart ID, Mobile ID or their ID card. You can check your PIN at any time in the Internet or mobile bank, and there’s no limit on how many times you can check it – simply do so any time you need to remind yourself of it. Viewing your PIN is entirely safe, since you’ll be asked to identify yourself again using biometrics or another means of authentication.

        Note that you can change your PIN at any ATM provided that the machine’s operator enables this.

      See all questions