Coop Pank

Coop Pank AS is an Estonian retail and SME-focused bank headquartered in Tallinn, operating under a credit institution license supervised by Finantsinspektsioon within the EU regulatory framework, and its deposits are protected by Estonia’s Guarantee Fund up to 100,000 euros per depositor per bank. The bank traces its origins to 1992 (as Krediidipank) and was rebranded as Coop Pank in 2017 after a change in ownership; it has been publicly listed on Nasdaq Tallinn since 2019. Core services cover everyday banking for individuals and companies, including current accounts, SEPA and SEPA Instant euro payments, Mastercard debit and credit cards, savings accounts and term deposits, consumer loans, mortgages, car loans and leasing, and financing solutions for SMEs such as working capital, investment loans, and guarantees. Access is provided via an internet bank and mobile app with authentication through Smart-ID, Mobile-ID, or ID-card; major mobile wallet integrations are supported, and PSD2/open-banking APIs are available to licensed third parties. Cash services are offered at designated Coop retail stores across Estonia alongside card cash withdrawals at ATMs within the Mastercard network; fees depend on the customer’s package and transaction type. The bank’s footprint and client onboarding are oriented to the Estonian market, with non-resident access restricted and subject to enhanced due diligence. Pricing typically follows plan-based packages for domestic use, while out-of-package services, international transfers outside SEPA, and foreign card transactions carry separate charges and currency conversion margins. Funding is primarily customer deposits, and the balance sheet is concentrated in the Estonian economy; earnings are sensitive to interest-rate movements. The bank publishes detailed quarterly and annual results and Pillar 3 disclosures, reporting regulatory capital and liquidity ratios above minimum requirements and portfolio quality metrics in line with the local market; it does not rely on a broad international branch network and has a comparatively narrow geographic scope. Customer support is available via digital channels, phone, and branch offices, and product availability, eligibility criteria, and fees are defined in public price lists and terms issued by Coop Pank.