Yes – all of our cards can be added to Apple Pay and Google Pay and used on smart devices like watches and rings that have the Fidesmo, Fitbit, Garmin, Manage-Mii, Zep or Tappy payment apps. Find out more about smart means of payment here.
First, close your card immediately. If you think there’s a chance you’ll find it, you can opt to block it temporarily. To close or block your card, log into the Internet bank or mobile app or call us on 669 0966 (available 24/7).
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.
If you’ve signed up to the 'Useful' plan, you can withdraw up to €1000 per month free of charge using your debit card in Estonia and elsewhere in Europe. Note that if you withdraw cash abroad, you may be charged an additional fee (e.g. an access fee) by the bank operating the ATM, so check the information on or next to the ATM’s screen. If you have the 'Useful' plan, you can withdraw up to €1000 per month free of charge anywhere in Europe.
Cash deposits can be made with a physical Coop Pank card at any Coop store. Deposits can’t be made with a virtual card.
With the 'Useful' plan, cash deposits are free of charge, and you can pay in up to €1000 a day.
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.
The service fee for cash withdrawals depends on the plan you’ve signed up to – view price list.
With the 'Useful' plan, you can withdraw up to €1000 a month free of charge anywhere in Europe. Note that cash withdrawals may be subject to an additional service charge imposed by the ATM’s operator in accordance with the price list of the ATM’s owner.
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:
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.
The insurance applies to any durable goods* bought from a physical or online store whose purchase price is from €100-2500. The insurance period is one year from the date of purchase, and the excess is €30 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’s a maximum compensation amount of €500. View the terms and conditions of purchase insurance here.
You heard right – pay for your purchase using your Coop Pank debit or credit card and it will be automatically covered for a full year.
Damage to property Example: You buy your child a scooter using your Coop bankcard. They fall while riding it, breaking the bar and front wheel attachments. The insurance covers the repair costs, with you only having to pay the excess of €30.
Destruction of property Example: The €450 mobile phone you’ve only just bought falls into the water when you’re fishing. There’s no way of restoring it, so the insurance covers the cost of replacing it to the same value, i.e. €420 (with the other €30 coming from your excess).
Theft Example: While you’re on holiday, thieves steal everything from your car boot, including the new sunglasses you bought a month ago. Since they’re covered by purchase insurance, you get the original cost of them back minus the €30 excess you have to pay.
Robbery Example: While at a nightclub, someone violently rips the handbag you bought just three months earlier out of your hands. The insurance covers the purchase price of the handbag, from which your excess of €30 is deducted.
New items for which the cardholder paid in full using a valid Coop Pank card and that cost from €100 to €2500 are insured. An insured event is any incidence of theft, robbery, sudden and unforeseeable destruction of or damage to an item purchased with the card which is not excluded by the insurance contract.
Since our purchase insurance partner is IF P&C Insurance AS, , you should report the incident* here so that your claim is handled as quickly as possible. Be sure to add the word ‘Coop’ to the policy field.
*By incident we mean an insured event, i.e. the sudden and unforeseeable destruction, damage or theft of the insured product. Losing a product or leaving it behind is not deemed an insured event.
Our purchase insurance doesn’t cover second-hand goods, plants, animals, high-power motor vehicles, foodstuffs and goods that are disposable or have a shelf life of less than three months. Nor does it extend to goods purchased using hire purchase.
No – an Internet bank statement serves as proof of purchase. View the terms and conditions of purchase insurance.
The cover starts as soon as you receive the goods and lasts for 1 year.
No more than €2500 will be compensated in the space of a year. The one-year period is counted from the date on which the card was issued. The sum insured for smartphones and mobile phones, tablets and laptops, photo and video cameras, precious stones and metals, fur items, paintings, graphics and sculptures is €500 per insured event.
The insurance doesn’t extend to products bought using hire purchase.
Yes, if the insured item can be repaired and doing so makes financial sense. Compensation in this case is based on the cost of the repairs, including necessary and reasonable transport costs. The entire purchase amount is compensated if repairing the item proves economically unfeasible. For example, it might make sense in certain cases to cover the cost of replacing a phone’s screen if the phone was dropped than to replace the phone as a whole.
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:
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 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.
If you’ve lost your card or it’s been stolen, immediately block it in the Internet bank or app, or by calling us on 669 0966. Let us know even if you’re not sure you’ve lost your card – it can be blocked temporarily.
To order a new card, call us as soon as possible on 669 0966 or message us in the Internet bank or app. That way your credit card agreement will continue under the same conditions.
Contact us in the Internet bank or app to do this. If you want to change your monthly limit, cash limit or contactless limit, you can check and amend these yourself in the Internet bank or app. When setting limits on your card, bear in mind that they should be as low as possible and that you should only activate card functions that you use on a daily basis. That way you’ll always be as well protected as you can be against card fraud. If necessary, you can amend your limits quickly and easily in our app.
If you close your card and don’t order a new one, we view this as you wanting to terminate your credit card agreement. If you close your card for some other reason (e.g. losing it), be sure to order a replacement. You have 30 days to do this, which we’ll notify you about. If you don’t, we’ll initiate the termination of your agreement and you’ll immediately have to repay the full amount you owe.
Whether physical or virtual, an active card is required in order for a credit card agreement to be valid. If you don’t activate your new card, we’ll view this as you wanting to terminate your agreement.
A credit card can prove very useful when you’re travelling and need to hire a car or book a hotel room. You can pay for most things with a debit card, of course, but there are still some places that require a credit card.
A credit card enables you – but doesn’t oblige you – to make use of your credit limit in unexpected circumstances.
Moreover, using a credit card makes it easier for you to keep an eye on your spending if you want to track specific types of transactions, e.g. subscription-based services which are charged weekly or monthly.
You can do this at any time in our Internet bank or app. If you change it before the 10th of the month (i.e. the repayment date), the change will take effect immediately and your repayments will start taking place that same month in the new way you’ve chosen. If you change it after the 10th of the month, your first repayment will take place in the new way on the payment date in the following month. Changing how you pay off your credit card is free of charge.
With one of our credit cards you get to choose how and when you repay the credit you’ve used. You can change how you go about it at any time, too, should you want or need to do so.
This means that all of the transactions you perform in a single month remain interest-free until the following month’s repayment date. For example, if you pay for something with your credit card on the 1st of the month, no interest is charged on that transaction for 40 days, since there are 40 days left until the following month’s repayment date. Whereas if you pay for something on e.g. the 20th, the interest-free period is 20 days.
The annual percentage rate or APR expresses all of the costs accompanying the issuing of a credit product over a one-year period. It shows how much the credit you use will actually cost you over that period.
You can conveniently see your credit card information in the Internet bank and app – by selecting My Bank - Cards. You can keep track of the used credit limit, the amount of interest accumulated to date and, if you wish, change the method of repayment.
If an instalment isn’t paid by the due date, we’ll text you a payment reminder. The costs and default interest related to overdue payments are calculated according to the price list. If you experience ongoing problems in making your repayments, we recommend contacting us so we can find a solution. E-mail us at klienditugi@cooppank.ee or call us on 669 0966.
Säästukaart Pluss holders can view their card-related information in our mobile app and Internet bank. All Säästukaart Pluss clients can access our app and online bank.
Activate your Säästukaart Pluss in whichever way suits you:
To amend your contact details, call us on 669 0966 (Mon-Fri 08.30-19.00) or e-mail us at klienditugi@cooppank.ee.
You can view your card-related information in our mobile app and Internet bank. All Säästukaart Pluss clients can access our app and online bank: to log in, simply identify yourself using Smart ID, Mobile ID or your ID card.
Your new card should reach you within three working days. If it’s taking longer to arrive, contact us by e-mailing klienditugi@cooppank.ee or calling 669 0966.
You can change it in our mobile app or by logging in to our Internet bank. Alternatively, contact customer support at 669 0966 (Mon-Fri 08.30-19.00) or klienditugi@cooppank.ee or come into any of our offices.
You can change them in the mobile app or Internet bank.
Any private-client debit or credit card. The cardholder needs to be at least 16 years old to join the programme.
No. Once you’ve joined the programme, we’ll make sure all your new cards stay linked to it.
When registering as a My Alexela client, you enjoy a 3 s/l fuel discount if you are an Alexela electricity or natural gas contract holder. The advertised campaign prices apply to the campaigns.
In addition, you also earn digital stamps (i.e. Alexela money) with every purchase. You can use these to pay for any Alexela products or services. For example, the bonuses you earn from fuel can be used to pay your electricity and/or gas bills or to buy whatever you want from Alexela cafés & stores.
You can also exchange your digital stamps for a free hot dog or coffee, and you get a permanent discount of 15% on hot drinks in Alexela’s cafés & stores.
Yes! You’ll be gifted with five bonus digital stamps each month. This means, for example, that in just four months you’ll have amassed enough stamps from your contract to get a free coffee or hot dog.
You earn digital stamps on every purchase. For every 10 litres (and kg) of fuel you buy, every 10-euro purchase you make in an Alexela café & store and every 10 euros paid for trailer rental, you earn 1 digital stamp. Plus, if you have a gas and/or electricity contract with Alexela, or a home charger contract for an electric car for personal use, you’ll be gifted 5 digital stamps every month. Purchase amounts are added together.
You must have collected a minimum of 100 digital stamps to exchange them for money. 100 digital stamps = €10. Please note that for 20 digital stamps you can already choose a free hot dog or coffee.
You can get a free coffee or hot dog at any Alexela café & store for 20 digital stamps.
You’ll need to present your ID card to do this. Inform the person serving you that you want to use your digital stamps to get the free coffee or hot dog and show them your ID card at the register.
As part of the community program, each member can contribute to national defense through digital stamps collected in the Minu Alexela loyalty program, either via a monthly automatic recurring donation or by making one-time contributions in the Minu Alexela environment. The minimum contribution amount in both cases is 5 digital stamps, with an upper limit of 25 digital stamps (in increments of 5).
Digital stamps collected during one calendar year are valid until 31 January the following calendar year.
You’ll find this information in the Alexela app or on the self-service site.
No. Other discounts aren’t added to campaign discounts.