Cards

All Coop Pank cards come with the contactless payment option. You can use it to make quick and easy payments of up to €50 without entering your PIN or inserting your card in the terminal. All you have to do is tap your card against or hold it close to the terminal. Contactless payments are secure – for security reasons, the bank will sometimes ask you to confirm a transaction with your PIN, even for smaller amounts. You can make contactless payments anywhere, in Estonia or abroad – just look for the contactless payment sign on the terminal. The maximum amount allowed for contactless payments may vary from country to country.

Set use limits on your card (for card payments and/or cash transactions) in the Internet bank or app. You can also set a monthly limit covering all of your card transactions. In the interests of security, we recommend setting your limits as low as possible based on your actual card use.

Since contactless payments on public transport are technologically different from other card payments, you can pay contactless on buses, trams, trains and the like even if you’ve disabled contactless payments on your card.

You can check and, if necessary, change your card limits in either the Internet bank or app.

In addition to your cash limits and payment for purchases, you can also set a limit on your contactless payments (up to €50) and switch off the option to make online payments.

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 protected as you can be against card fraud. If necessary, you can amend your limits quickly and easily in our app.

With a Coop Pank card you can withdraw cash from any bank’s ATM and from the more than 300 Coop stores around Estonia.

Cash deposits can be made with a physical Coop Pank card at any Coop store. Deposits can’t be made with a virtual card.

You can check your card’s PIN at any time in the Internet bank or app, and there’s no limit on how many times you can check 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 only change a physical card’s PIN at ATMs whose operators enable this. You can’t change a virtual card’s PIN.

If you’ve done this at a payment terminal or cash terminal, call Customer Support on 669 0966 for assistance.

You can change your physical card’s PIN at any ATM whose operator enables this. You can’t change your virtual card’s PIN.

You can safely check your PIN at any time in our Internet bank or app.

In the case of a charge credit card, on the 10th of each month, the entire credit limit used in the previous month is automatically deducted from the current account linked to the card.

If you ordered a virtual card, it will be ready for use straight away – just add it to your Wallet or other smart device and start using it.

If you ordered a physical card, it will usually arrive at your contact address within five (5) working days. You can activate the card as soon as you’ve ordered it and start using it in Wallet.

If you ordered a physical card and it hasn’t turned up, call Customer Support on 669 0966.

You can do this quickly and easily in the Internet bank or app, choosing whether you want a physical card or a virtual one.

If you order a virtual card, it’ll be ready to use straight away – just add it to your Wallet or other smart device and start using it.

If you prefer a physical card, we’ll post it to your home or business address. Note that you can add your physical card to your Wallet and start using it on your smart device as soon as you order it.

In order to be able to use a card that’s posted to you, you first have to activate it in the Internet bank or app (by clicking on My bank -> Cards -> Activate). Business clients’ cards have to be activated by the company’s authorised representative. Never activate a card until you’ve actually received it. To activate a card, you’ll need to enter the 3-digit CVC you find on the back of the card.

You’ll find the PIN for your new card in the Internet bank or app once you’ve received and activated the card. To view the PIN, you’ll be asked to identify yourself again using biometrics or another means of authentication.

Be sure to call Customer Support on 669 0966 (8:30-19:00 Monday-Friday) if a bank card that’s been posted to you doesn’t turn up within a week, or if you’re unable to activate it.

All of Coop’s debit and credit cards, whether for private or business clients, can be ordered as virtual cards.

You can use the virtual card just like an ordinary card, in the following ways:

• You can add it to your digital wallet (Apple/Google Pay) or other smart device and make purchases wherever you see the cashless payment logo or the Wallet logo.
• You can buy things online. The card details you’ll need for online shopping (the card number, CVC and expiry date) can be found in the Internet bank or app.
• You can use ATMs that enable contactless payments to withdraw cash and check your account balance.
• You can make cash withdrawals in Coop stores. To do this, you’ll need to make a purchase. Note that you can withdraw up to €100 per transaction.
• You can add your card to the Coop Estonia app to get personalised offers in Coop stores.

Note that Coop Sula deposits can’t be made with a virtual card in Coop stores. Nor can you use a virtual card as a Coop loyalty card when using your Wallet. A physical card is needed for both of these.

You’ll need your card’s details to make online purchases: the card number, CVC and expiry date. You can find all of these in our app or Internet bank. If the online store you’re shopping in supports Wallet payments, you can also use Apple Pay or Google Pay to pay by card.

No – the number you can have is limited to one virtual debit card and one virtual credit card at a time.

Yes – you can make cash withdrawals in Coop stores with your virtual card. To do this, you’ll need to make a purchase. Note that you can withdraw up to €100 per transaction.

Unfortunately, in-store deposits can’t be made with a virtual card: you’ll need a physical card for this.

You’ll find the card number, CVC and expiry date in the Coop Bank app and in the ‘Cards’ section of our Internet bank.

If you discover a transaction you didn’t make or one involving an unknown service provider, close your card and inform us immediately.

You can do this in the Internet bank or app, or by calling 669 0966at any time.

To challenge a transaction, submit an application to us in the Internet bank or app, or at any bank office.

No – don’t enter your card details or a security code you receive as an SMS on any website that doesn’t seem trustworthy. If you receive a call or e-mail asking you for your card details, you’re probably being scammed.

Always read the content of any message you’re sent: if it refers to a transaction you yourself didn’t instigate, contact the bank immediately and close your card.

If there’s a problem with a purchase you’ve made of goods or services, you can challenge the transaction. Examples:

• You haven’t received the goods or service(s) you ordered.
• The goods received don’t match your order or have significant defects.
• You haven’t been refunded for goods you’ve returned.
• Car hire and/or accommodation transactions.
• Subscriptions that don’t operate as agreed or operate in a different amount.

To resolve the situation, first contact the seller or service provider. Since card organisations require the cardholder and seller to talk to each other before they’ll initiate a refund, we recommend that you always contact the seller in writing to prove (if necessary) that you attempted to contact them.

• If you haven’t received the goods or service you ordered, clarify with the seller when they’ll be delivered or provided. If the delivery time isn’t specified in the order or in the purchase conditions, the seller has to be given a reasonable time to fulfil the order (up to 30 days).
• If the goods received don’t match your order, contact the seller and point out the shortcomings, adding a detailed description of why it doesn’t match and asking them to specify the conditions for returning the goods. It’s a good idea to add photos.
• Accommodation and car hire transactions may involve additional charges, so contact the provider directly for details.
• If you don’t receive a refund for goods you’ve returned, provide the seller with the documents pertaining to the return of the goods.
• If you have a subscription and you wish to cancel it, contact the service provider and inform them of your wish to do so.

If getting hold of them proves unsuccessful, contact the bank and challenge the card transaction as soon as possible. Provide the bank with all of your correspondence with the seller (incl. delivery documents), your order confirmation and a detailed description of what happened (when and on which website you performed the transaction, what goods you purchased, what didn’t match your order, documentation of you returning the goods, etc.).

If the issue is car hire, submit the booking confirmation and rental agreement (incl. proof of car pick-up and return).

You can do this at any bank office, in the Internet bank or in the app. If you suspect card fraud, close your card immediately and contact us to challenge the transaction(s) in question.

The bank can neither halt nor cancel a card transaction. Contact the seller first, as they’ll be able to give us appropriate instructions. If getting hold of the seller proves impossible, contact the bank and, if necessary, submit a request to challenge the transaction.