Debit card

Our debit card is ready to use straight away and earns you a valuable bonus. Now you can leave your actual wallet at home, because you can activate a virtual card as soon as you’ve ordered it and start using it in Wallet.

With a plastic card, you can withdraw cash from your nearest ATM at any time fee-free.

With one of our free, environmentally friendly virtual cards, you can perform all payments and withdraw cash from any ATM with the cashless payment logo on it.

Pay for bigger items with your Coop Pank card and they'll be automatically insured!

Why choose a Coop Pank debit card?

An extensive cash network

Banking with us, you enjoy access to the largest cash network in Estonia. Join our 'Useful' plan and you can use your card to withdraw cash from the nearest ATM – whichever bank it belongs to – or from any Coop store without incurring any additional fees.

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Payment insurance for bigger purchases

Pay for more expensive items with your Coop Pank card and they'll be automatically covered with purchase insurance.

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Smart ways to pay

Instantly activate your card in Wallet for quick and easy payments with Apple or Google Pay, a smart watch or a smart ring. We support a wide range of devices to which you can safely link your card, be it physical or virtual.

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Useful cashback

Make sure you always pay with our card in Coop stores, since you’ll earn 1% back on every purchase. We credit this bonus to your account each month.

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Cash Drawer

The easiest option for short-term saving is to open the Cash Drawer, where you can set up different automatic saving methods. The amount accumulated in the Cash Drawer earns interest, but is also available for you to use quickly if needed.

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Security first and foremost

You can quickly check your bank card's PIN in our Internet or mobile bank at any time. To make sure your banking is as convenient but also as secure as possible, you can identify yourself biometrically and remind yourself of your PIN whenever you need to. You can also use the app to manage your card limits and, if necessary, block or close a card.

Debit card – good to know

Price list

Terms and conditions

Exchange rate calculator

Ordering a card

You can order your new card in either virtual or plastic form. Virtual cards are always free of charge.
You can order a new bank card quickly and easily via our Internet or mobile bank. Your card will then be posted to your home address (unregistered), normally reaching you within a week. Before ordering a card, make sure your contact details in the bank are up to date.
In order to start using your card, you'll first have to activate it. You can do this by clicking on ‘Cards' in the Internet or mobile bank. If the card in question is an additional card, it will need to be activated by the account holder. Never activate a card until you've actually received it. To activate a card in the Internet bank, enter the last four digits of the card number.
Be sure to call us on 669 0966 (8:30-19:00 Monday-Friday) if a bank card you've ordered doesn't turn up or you're unable to activate it.

Your PIN

Note that although you can change a plastic card’s PIN at any ATM (provided the machine’s operator enables this), you can’t change the PIN on a virtual card.
You'll find out what the PIN for your new card is once you've activated the card in the Internet or mobile bank (‘My bank' - ‘Cards' - ‘Settings')
You can check the 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

Security

Find out more about secure card use here.

What cards can I order as virtual cards?

What can I do with a virtual card?

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.

How do I shop online using a virtual card?

Can I have more than one virtual card?

Can I use Coop Sula services with a virtual card

See all questions

What should I do if I notice a suspicious transaction on my bank statement?

I’ve lost my card. What do I need to do?

How can I change my card limits?

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.

Where can I withdraw and deposit cash using my Coop Pank card?

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.

I’ve forgotten my PIN. What should I do?

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.