Coop Pank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Coop Pank suits anyone who banks in Estonia and wants a plain everyday card with a generous cash withdrawal allowance. Its €1,000 of free ATM withdrawals runs well ahead of the £250 offered by Wise, though the multi currency and travel list points to travel use rather than a wide fee advantage.
Key facts
- Best for
- A free everyday debit card in Estonia with a large free ATM withdrawal allowance.
- Free ATM withdrawals
- €1,000 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Legal entity
- Coop Pank AS (Source, checked September 26, 2026)
- Headquarters
- Estonia (Source, checked September 26, 2026)
- Features
- Multi-currency, Travel
- Official website
- cooppank.ee
Credit cards
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataWikipediaLinkedInTrustpilot
Pros and cons
Pros
- Free ATM withdrawals of €1,000 put the account ahead of the £0 and $0 allowances listed alongside it.
- It is a debit card, so spending comes straight out of your balance rather than onto a credit line.
- The listed multi currency and travel features suit people who hold several currencies or travel regularly.
Cons
- The multi currency and travel list covers multi-currency and travel without a stated conversion rate, so currency costs stay the open question.
- Multi-currency and travel are the whole multi currency and travel list, so the card reads as a holiday companion rather than a broad fee cutting tool.
- It is a debit card only, so it is not an answer for anyone who wants credit on the card.
Who it suits
- People who bank in Estonia and want a debit card with a large free cash withdrawal allowance.
- Travellers who hold several currencies, since multi currency and travel lists multi-currency and travel.
- Anyone who takes cash out often, given free ATM withdrawals of €1,000.
Who should look elsewhere
- Wise watchers: Wise lists £250 of free ATM withdrawals, so anyone who rarely visits a cash machine may prefer that allowance.
- Starling Personal Account Debit Card, where free ATM withdrawals stand at £0, is the account to skip if cash rarely leaves your account.
- Upgrade OneCard, with $0 of free ATM withdrawals, suits people who pay by card and take out no cash.
How Coop Pank compares
Frequently asked questions
How many free ATM withdrawals do I get?+
Coop Pank's debit card comes with €1,000 of free ATM withdrawals, which puts it towards the front of the accounts listed here. That places it at 4 out of 115 brands on this measure, so cash heavy spending is the clear strength of the account.
Is this a debit or a credit card?+
It is a debit card, so money leaves your current account as you spend rather than building up a balance to repay later. The card comes from Coop Pank AS, and the account is aimed at people who hold several currencies and pay abroad as well as at home.
Where is the account based and who runs it?+
The account is run by Coop Pank AS, a bank headquartered in Estonia, so it is built for people who bank in Estonia. The listed multi currency and travel features cover everyday use and travel rather than a multinational reach, which matters if your income sits in another market.
Is it useful for travel spending?+
Travel and multi-currency are the listed features, so a card that holds several currencies is a natural fit for holidays abroad. The debit card then handles day to day spending in your home currency, and the €1,000 free ATM withdrawal allowance covers cash on arrival.
How does it compare with Wise for cash?+
Wise lists £250 of free ATM withdrawals and Coop Pank lists €1,000, so the Estonian bank is the stronger cash offer of the pair. If you take money out rarely the Wise allowance goes further, and the multi currency and travel list does not turn Coop Pank into a multi-currency travel account.
What if I hardly ever use an ATM?+
Then Coop Pank's €1,000 allowance is not the reason to apply. Starling Personal Account Debit Card shows £0 of free ATM withdrawals and Upgrade OneCard shows $0, so both make more sense for people who live on card spending.
How does Coop Pank score on this comparison?+
The account scores 9.7 overall on DebitCue, and the offer part of that score stands at 9.7. Three alternatives are listed beside it, and the free ATM withdrawal measure is the one that lifts the profile most.
Sources
- cooppank.ee checked September 26, 2026
Backs: Free ATM withdrawals, Features, Headquarters, Legal entity
“cash withdrawals with your debit card are free in Estonia and Europe up to €1,000 per month with the Useful plan”
- cooppank.ee/en/private/daily-banking/cards/debit-card checked September 26, 2026
Backs: Card type
“A debit card with purchase insurance”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Protection.
Coop Pank
A free everyday debit card in Estonia with a large free ATM withdrawal allowance.