This seems to be a
semantic problem in English. As a determined city dweller, I know turtles only from neck sweaters and soup. However, in order to re-gruntle you, I have made a quick study of "Testudines on coins". What would a toitle collection look like:
KM uses both "tortoise" and "turtle", but seems to be confused about the difference. Some Seychelles coins, for instance, are described as showing a tortoise (KM29), others get the label turtle (KM20, 59-61, 72). A similar mixup took place in the Cook Islands section.
Turtles are, unsurprisingly, a pseudo coin thing, but they do occur on real coins as well. The list (not counting classical coins, where turtles do occur, but including tortoises) is:
Cape Verde, KM 27, 1 escudo
Cayman Islans, KM 3, 28, 89, 133, 10 cents
Cook Islands, KM 41, 50 tene
Fiji, KM 3, 8, 11, 11a, 6 pence
Malaysia, KM 39, 1 ringgit (a turtle cartoon character!)
Maldive Islands, KM 72, 50 laari
Papua New Guinea, KM 3, 5 toea
Saint Helena, KM 22, 5 pence
Saint Helena and Ascension, KM 5, 16, 50 pence
Seychelles, KM 19, 28, 37, 52, 1 and 10 rupees
Tonga, KM 4, 5, 27, 28, 1 and 2 seniti
Tuvalu, KM 7, 1 dollar
Where some of the above may not have circulated also.
As can be seen, turtle coins are primarily a British Commonwealth micro state thing. The same goes for the pseudo coins. I found 24 states with turtle pseudo coins, 14 of which were former British colonies. The longest series of turtle pseudo coins was issued in the name of Palau (KM 30-34, 45). The European countries on the list are Cyprus, Hungary and Turkey. Africa is represented by Ascension, Liberia, Saint Helena,Sao Tomé, Somalia and Zambia. Latin Amerca contributed by Aruba, Bermuda, Brazil, the British Virgin Islands, the Cayman Islands, Costa Rica, Mexico and Panama (an interesting non-figurative turtle design). Asia and Australasia's turtle countries are the Cook Islands, Malaysia, the Maldive Islands, Palau, the Seychelles Tonga and Tuvalu.
Trivia question: on which of these coins is the word Galapagos

Peter