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.

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.

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 ATMs of all banks. In addition, you can withdraw cash from the checkout of more than 300 Coop stores across Estonia.

If you’ve joined the 'Useful plan' , cash withdrawals with your debit card are free in Estonia and Europe up to €1,000 per month. With the 'Unlimited plan' , cash withdrawals are free worldwide up to €10,000 per month.

Please note that when withdrawing cash abroad, an additional fee charged by the ATM operator (e.g. an access fee) may apply. Check the relevant information displayed on or near the ATM screen.

Cash deposits and withdrawals at Coop store checkouts can be made with a physical Coop Pank card. Cash deposits cannot be made with a virtual card at Coop stores.

With the Useful and Unlimited plans, cash deposits and withdrawals at Coop store checkouts are free of charge, and you can deposit up to €1,000 per 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.