Coop Pank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Coop Pank is a strong everyday choice for Estonian residents and for anyone who draws cash abroad often, thanks to €1,000 in free ATM withdrawals. The debit card comes with multi-currency and travel features, so the free withdrawal allowance sets it ahead of Monzo Flex and Wise.
Key facts
- Best for
- A multi-currency debit card with a large free cash withdrawal allowance.
- Free ATM withdrawals
- €1,000↗
- Card type
- Debit↗
- Legal entity
- Coop Pank AS↗
- Headquarters
- Estonia↗
- Features
- Multi-currency, Travel
- Official website
- cooppank.ee
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataWikipediaLinkedInTrustpilot
Pros and cons
Pros
- Free ATM withdrawals of €1,000, more than Monzo Flex at £200 and Wise at £250.
- The listed features are multi currency and travel, so holidays do not need a separate card for each currency.
- The card type is debit, so the account balance itself is the spending pot.
Cons
- On free ATM withdrawals the card ranks 4 among 104 brands on the site, so some options on the page still pay more for cash.
- Currency conversion costs across the category run a median 1%, so card spending abroad still needs a rate check.
- The card is debit, so the money sits in a bank account rather than a crypto balance, and multi currency and travel covers only multi-currency and travel.
Who it suits
- Estonian residents who bank with Coop Pank and want a debit card for daily spending.
- Travellers who draw cash abroad and want €1,000 of free withdrawals.
- Readers who hold and spend in multiple currencies, which the multi currency and travel list covers.
Who should look elsewhere
- Starling Personal Account Debit Card, if you rarely use cash machines, since its free ATM allowance is £0.
- Wise, if a sterling allowance suits your spending better than the euro one here, with £250 in free withdrawals.
- Monzo Flex, if a sterling card fits your spending better, since it includes £200 in free withdrawals.
The company behind it
Coop Pank is the legal entity behind the card, Coop Pank AS, and it is headquartered in Estonia. It is a domestic bank rather than a crypto platform, so the card draws on a bank balance and the account is shaped by the local market. A card from this bank suits customers banking in that market.
How Coop Pank compares
Frequently asked questions
How much can I withdraw free from a cash machine?+
Coop Pank includes €1,000 in free ATM withdrawals on the card. That allowance is more generous than Monzo Flex at £200 or Wise at £250, so the cash side of the deal favours Coop Pank for a trip or a busy month.
Is it a debit card?+
Yes, the card type is debit, so spending comes straight from the bank account balance. Debit is also the most common card type in this category, and it suits readers who would rather keep a normal current account than hold a prepaid balance.
Who runs the account?+
The account sits with Coop Pank AS, a bank based in Estonia. It is a domestic institution rather than a crypto platform, so the money belongs to the bank account and the card is governed by that bank's terms rather than by exchange rules.
Does it work for travel?+
The listed features are multi currency and travel, so the card is built for travel and for holding multiple currencies. Cash abroad comes out of the free allowance of €1,000, and card spending abroad runs through the same multi-currency setup, which is where those two features earn their place.
What fees apply?+
The clearest cost line is the free ATM allowance of €1,000 included with the card. Across the category the median monthly fee is €0 and the median currency conversion fee is 1%, so card and conversion costs deserve a check before leaning on the card abroad.
How does it compare with Monzo Flex?+
Monzo Flex includes £200 in free ATM withdrawals, which is a smaller cash allowance than €1,000 at Coop Pank. The gap shows up fastest for anyone paying for a holiday in cash or running a cash machine habit through several countries.
What about Starling Personal Account Debit Card?+
Starling Personal Account Debit Card includes £0 in free withdrawals, so it is the opposite bet, a card for readers who rarely touch a cash machine. Coop Pank suits the opposite habit, with a large allowance and travel features.
Who should open it?+
Estonian residents banking with the bank, and travellers who draw cash across several countries. The debit card and the multi currency and travel list point to everyday spending and holidays rather than crypto trading, and €1,000 in free withdrawals rewards the cash habit.
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.