Coop Pluss – the most flexible Coop customer card

A person dressed in winter clothing extends a blue Coop customer card with a gloved hand, standing in a snowy parking lot in front of a Coop store.

The smartest way to pay at your local Coop store

Coop Pluss is a Coop Eesti customer card with flexible repayment options. Purchases are automatically paid from your Coop Pank account the following month. You can leave your wallet at home – Coop Pluss is always available in your Coop Eesti app, allowing you to pay for purchases conveniently. Simple!

Credit limit up to €2,000
Interest-free period of up to 70 days
Repay at your own pace
Coop loyalty programme

Great value shopping at Coop stores

Coop Pluss is the customer card for Coop stores, giving you access to the best prices and a purchase limit of up to €2,000.

Up to 70 days interest-free

Repay at your own pace – all purchases made in Coop stores are interest-free for up to 70 days.

An environmentally friendly choice

Coop Pluss is available as both a virtual and a plastic card. The virtual card can be conveniently used via the Coop Eesti app.

Virtual or plastic card?

On the smartphone screen, the Coop mobile app is open, displaying the digital Coop customer card and the user account view on a light background.

Coop Pluss virtual card

The virtual card can be used for payments in the Coop Eesti app at Coop stores equipped with self-service checkouts where app payments are enabled.

Suitable for you if you:

mainly use your card on your phone;
pay at self-service checkouts;
prefer a more environmentally friendly solution.

On the smartphone screen, the Coop app is open, with a blue Coop Pluss card floating above it; the digital card view is also visible on the screen.

Coop Pluss plastic card

The plastic card can be used for payments both in the Coop Eesti app and in all Coop stores. In addition, you can withdraw up to €100 in cash at Coop stores together with a purchase.

Suitable for you if you:

want to use the card in all Coop stores;
want the option to withdraw cash at the checkout;
prefer a physical card.

How to order Coop Pluss?

1. Log in to the Coop Pank app or internet bank and select “Cards” from the menu.

2.Complete the Coop Pluss application.

3.Choose whether you prefer a plastic or virtual card.

4.Your card is ready to use.

A person is working on a laptop in a modern office space, sitting at a desk and resting their hand against their face. There is also a notebook and a cup on the desk.

On the smartphone screen, the Coop app is open, displaying the digital Coop Pluss card and a balance of 2000 euros on a light background.

Coop Pank app

Manage your Coop Pluss conveniently in our app.

Download the Coop Pank app to:

view your Coop Pluss balance;
monitor your limit and usage;
keep all essential information at hand.

Coop Eesti app

To use your card in Coop stores, download the Coop Eesti app to:

view your Coop Pluss balance;
use your virtual card;
pay conveniently with your phone.

On the smartphone screen, the payment methods view of the Coop app is open, displaying the added Coop payment card and the automatic payment settings on a light background.

Coop Pluss – good to know

Applicant requirements

Price list

Paying with the card in store

Repayment options

All your transactions are interest-free for up to 70 days and you can repay at your own pace. Choose between three repayment options in the internet bank or app – you can change your choice at any time.

Free repayment:

Choose when and how much you repay.
Interest is charged only on the outstanding credit amount remaining after the 10th day of each month.

Fixed instalment:

Repay a fixed amount each month.
On the 10th of each month, a fixed amount is repaid. Interest is charged only if there is still used credit remaining after repayment.

Full previous month repayment:

Interest-free repayment.
On the 10th of each month, the amount used during the previous month is automatically debited from your current account.

Cash at the checkout

Reminder for Coop Pluss cardholders

Coop Pluss is a financial commitment. Before taking it, carefully consider your needs and financial capabilities.

Consider why and how much credit you need.
Plan in advance how you will repay the used credit.
Review the representative example of the annual percentage rate of charge (APR) to understand the total cost and interest calculation.
Remember that even if your financial situation worsens, you remain obligated to fulfil your repayment commitments.
Before signing the agreement, carefully review all documents (agreement, information sheet and standard terms of Coop Pluss).
If you have questions or face payment difficulties, contact us promptly – we will help you find the best solution.

Example of annual percentage rate:

The initial annual percentage rate of charge is 22.21% per year under the following example conditions: credit limit €1,000; fixed interest rate 18% per year; monthly card fee €1; total credit amount €1,119.76; total repayment amount €1,107.76.

The calculation assumes that the full credit limit is used immediately and in full, the used credit is repaid in equal monthly instalments over 12 consecutive months, and interest and the monthly card fee are paid together with the instalments.

Card validity

Ordering a new Säästukaart Pluss

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