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

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

• You can add the virtual card 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 our app or Internet bank.
• You can use ATMs that enable contactless payments to withdraw cash and check your account balance.
• You can add your card to the Coop Estonia app to get personalised offers in Coop stores.

Note that Coop Sula services (cash deposits and withdrawals in Coop stores) can’t be used with a virtual card – you’ll still need a physical card for this.

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.

Unfortunately, no – you’ll still need your physical card to make cash deposits and withdrawals in Coop stores.

You can check your 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.

Note that you can change your PIN at any ATM provided that the machine’s operator enables this.

If you’ve lost your card or it’s been stolen, immediately block it in the mobile or Internet bank or call us on 669 0966. Let us know even if you’re not sure you’ve lost it – it can be blocked temporarily. To order a new card, call us on 669 0966 or send us a notification in the Internet or mobile bank. This will ensure that your credit card agreement continues on the same terms and conditions.

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

In addition to your cash limits and payment for purchases, you can also set a limit on your contactless payments (up to €50) and disallow your card from being used to make online purchases.

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 well protected as you can be against card fraud. Besides, changing your limits in the mobile or Internet bank is so easy that you can do it in a matter of seconds any time you need to.

With a Coop Pank card you can withdraw cash from any bank’s ATM and from all 320 Coop stores.

Withdrawals are free of charge if you’ve joined our Rahn or Rändrahn plan. If you have the Rahn plan, you can withdraw up to €1000 per month free of charge anywhere in Europe.

With the Rändrahn plan you can withdraw up to €10 000 per month free of charge anywhere in the world.

Cash deposits can be made with a Coop Pank card at any Coop store.

With the Rahn or Rändrahn plan, cash deposits are free of charge and you can pay in up to €1000 a day.

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

You can close your card in the mobile or Internet bank or by calling us on 669 0966.

To challenge a transaction, submit a statement to us in the Internet or mobile bank.