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 1. Home
 2. Products
 3. Bank accounts


BANK ACCOUNTS


OPEN A BANK ACCOUNT ONLINE.

Discover current accounts from The Co-operative Bank, the only high street bank
in the UK with a customer-led Ethical Policy.




WHAT MAKES US ETHICAL?

It’s our values and ethics that really set us apart as a bank— and it always has
been, since 1872. With a customer-led Ethical Policy, we give you a say in how
your money is used, as well as standing up for the causes that matter to you and
our colleagues. Because unlike a lot of banks, we don’t finance the production
or extraction of fossil fuels, fund logging in the Amazon, or do business with
organisations that fail to implement basic human rights.

Your money has power. And putting it in the right place can make all the
difference.


CURRENT ACCOUNT


OUR STANDARD CURRENT ACCOUNT

A standard no-fee current account with opportunity to opt in to earn rewards for
you or a charity, and the option to apply for an overdraft. Manage your money in
the usual ways including online banking and our mobile app.

View our Current Account


EVERYDAY EXTRA


OUR PACKAGED BANK ACCOUNT

A packaged account for people who want extra. Get all the features of our
standard Current Account, plus worldwide travel insurance, UK & European
breakdown cover and mobile phone insurance. Exclusions and limitations apply.

View our Everyday Extra account


CASHMINDER

A basic bank account with a debit card but no overdraft, for new customers who
may not qualify for other kinds of account. Manage your cash in-branch, through
online banking and with our mobile app.

View our Cashminder account


STUDENT ACCOUNT

An interest-free overdraft that you can request to increase each year, starting
at £1,400. From a bank that's committed to doing things differently. Overdraft
is subject to status. Eligibility criteria and T&Cs apply.

View our Student account


REFER A FRIEND - £125 FOR YOU, £125 FOR YOUR FRIEND

Our Refer a Friend Switching Offer ended on 28 February 2023. You and your
friend can still enjoy £125 each if your friend was eligible for the offer and
completed their application by 28 February 2023, and your friend fully completes
a current account switch from another bank, and we receive their completed
referral form by 4 April 2023.

Learn more about our current accounts



OVERDRAFTS

Overdrafts are not suitable for long-term borrowing. If you're using your
overdraft in this way or becoming reliant on it, you may wish to look at other
types of borrowing that might better meet your needs.

Find out how to apply for an overdraft or make changes to your existing
overdraft.

Learn more about overdrafts


SWITCHING

When using the Current Account Switch Service to switch your current account
from another bank, all your direct debits, standing orders, bills and payments
will move to your new account with us. Once you've applied to switch, you don't
need to do anything else.

Switching takes 7 working days. You're covered by the Current Account Switch
Guarantee, so you don't need to worry about missing payments.

Find out more about switching


JOINT BANK ACCOUNTS

Get any of our current accounts as a joint account. Each joint account comes
with access to online banking, mobile banking and two PVC-free debit cards.
Apply online in around 10 - 15 minutes.

Find out more about joint bank accounts


SUPPORT FOR UKRAINIAN REFUGEES

If you’re a Ukrainian refugee and want to open a bank account, please call us or
visit one of our branches to book an appointment with a Co-operative Bank
colleague. Use our branch locator to find your nearest branch.

Learn more about our bank account that's available to Ukrainian refugees


UNDERSTANDING CURRENT ACCOUNTS


LEARN MORE ABOUT CURRENT ACCOUNTS, HOW THEY WORK AND WHAT THEY CAN BE USED FOR.

How current accounts work

Find out what a current account is, how it works and what it can be used for.

Learn more about current accounts

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Types of bank account

Find out about the different types of bank account to help you make the right
choice.

Learn more about bank account types

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What is a packaged bank account?

Unlike many standard current accounts, packaged bank accounts often come with a
monthly fee. Read this guide to learn more about the benefits, the costs and
what to consider before applying.

Learn more about packaged bank accounts

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Bank accounts for people with poor credit history

Find out how your credit history can affect getting a bank account and what your
options are if you have poor credit history.

Learn more about bank account for people with poor credit history

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Overdrafts explained

Find out how they work, what they cost and whether an overdraft is right for you

Learn more about overdrafts

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How switching works

Find out how long it takes, what happens to your regular payments and how the
Current Account Switch Guarantee protects you and your money.

Learn more about switching

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How to apply for a Co-operative Bank account

Find out about how long it takes, what information you need to provide,
eligibility criteria and how to apply online for a bank account.

Learn more about applying for a Co-operative Bank account





OUR SERVICE QUALITY INFORMATION

The Financial Conduct Authority requires us to publish information about our
personal current accounts. View our personal current account service quality
information.


GET HELP WITH YOUR CURRENT ACCOUNT

Lost or stolen card

Report suspected fraud

Set up online banking

Set up Apple Pay

Set up Google Pay

Set up Samsung Pay

Current Account Plus

Privilege current account

Privilege Premier current account

Go to help centre

The Co-operative Bank reserves the right to decline any application.

Whether we can offer you credit depends on your circumstances and our lending
policy. We may decline your application based on your circumstances or our
lending policy. We may be able to offer a product that's different to the one
advertised.

Smile, The Co-operative Bank and Britannia are trading names of The Co-operative
Bank plc, which is a member of the Financial Services Compensation Scheme
(FSCS).


FINANCIAL SERVICES COMPENSATION SCHEME

Your eligible deposits held by a UK establishment of The Co-operative Bank plc
are protected up to a total of £85,000 by the Financial Services Compensation
Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of
any deposits you have with the following: The Co-operative Bank, Britannia and
smile. Any total deposits you hold above the limit between these brands are
unlikely to be covered.

Please read further information on the FSCS scheme here or visit their website.

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The Co-operative Bank, Platform, smile and Britannia are trading names of The
Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP.
Registered in England and Wales No. 990937. The Co-operative Bank p.l.c. is
authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority (No. 121885).

Credit facilities are provided by The Co-operative Bank p.l.c. and are subject
to status and our lending policy. The Bank reserves the right to decline any
application for an account or credit facility. The Co-operative Bank p.l.c.
subscribes to the Standards of Lending Practice which are monitored by the
Lending Standards Board.

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