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OUR COOKIES

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 * Bank accounts
 * Credit cards
 * Savings
 * Insurance
 * Loans
 * Mortgages
 * Ways to bank
 * Help
 * About us


Login to Personal banking
 * Bank accounts
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   * About us

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 1. Home
 2. Products
 3. Bank accounts


OUR BANK ACCOUNTS

Open a bank account online today with The Co-operative Bank. The UK’s only high
street bank with a customer-led Ethical policy.

Refer a Friend
Overdrafts
Switching
Current account support


OPEN A BANK ACCOUNT ONLINE TODAY


WHAT WE OFFER

 * Standard Current Account - Our no-fee current account.

 * Everyday Extra - Our packaged bank account - Worldwide travel insurance, UK &
   European breakdown cover, and mobile phone insurance, all for just £15 per
   month. Exclusions and limitations apply.

 * Cashminder - For people with no credit history or a low credit score who want
   a basic bank account they can use online and on mobile.

 * Student account- With an interest-free overdraft you can request to increase
   each year, starting at £1,400. Eligibility criteria and T&Cs apply.

 * Accounts for Ukrainian refugees - If you’re a Ukrainian refugee and want to
   open a bank account, we’re here to help.

Why choose us?

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.


REFER A FRIEND – RECEIVE £125 FOR YOU AND £125 FOR YOUR FRIEND TOO

If you're an existing current account customer with us, recommend a Co-operative
Bank Current Account or Everyday Extra account to your friends and family and
we’ll give you both £125 after they switch. Eligibility criteria and T&Cs apply.

Find out more





CURRENT ACCOUNT

Our standard current account

A standard no-fee current account with the 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 ACCOUNT

Our packaged bank account with helpful, added extras

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


STUDENT ACCOUNT

Our student account features an interest-free overdraft you can request to
increase each year, starting at £1,400

An account 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


CASHMINDER ACCOUNT

Our basic bank account for people who may have a low credit score or no credit
history

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

Need a joint account?

You can get our standard Current Account, Everyday Extra account, and Cashminder
account as a joint account.

Find out more about joint bank accounts


OVERDRAFTS FOR NEW AND EXISTING CUSTOMERS

If you’re thinking an overdraft might be beneficial for you as part of your
account, but you aren’t sure where to start or whether you’re eligible— don’t
worry, we have all the information you need to know when considering an
overdraft. Including an eligibility checker, cost calculator, and information on
overdraft types.

Learn more





SWITCHING

Switching with the Current Account Switch Service is easy and if there are any
problems, the Current Account Switch Guarantee covers you. It takes 7 working
days to switch. Your payments are redirected and transferred automatically.
Please see answers to some switching questions below or visit our switching page
for more information.





CURRENT ACCOUNT SUPPORT

Find useful information and support you might need when opening a current
account, or get help with your existing current account.


NEW CUSTOMERS

If you’re thinking about opening a current account with us, here you can find
out:

 * How long your application takes, what information you need to apply, and
   eligibility criteria for a Co-operative Bank account

 * Whether an overdraft is right for you and how much they could cost

 * How the Current Account Switch Guarantee protects you and your money when you
   switch to us.


UNDERSTANDING CURRENT ACCOUNTS

Learn more about current accounts, how they work, and what they can be used for:

Learn more about current accounts

Learn more about bank account types

Learn more about bank accounts for people with poor credit history

Learn more about packaged bank accounts




OUR EXISTING CURRENT ACCOUNT CUSTOMERS


GENERAL INFORMATION

Below you can find helpful information you might find useful if already have a
current account with us:

 * If you're registered for online banking, you can upgrade to our Everyday
   Extra account. Click here to register for online banking

 * Find information on changing your overdraft limit on our overdrafts page.

 * Add a second account holder to an existing bank account. Contact us +44(0)
   3457 212 212 (call charges)

 * Switch your bank account. Contact us +44(0) 3457 212 212 (call charges)

 * View our financial support

 * Financial Abuse.


GET HELP WITH YOUR CURRENT ACCOUNT

Lost or stolen card

Report suspected fraud

Set up Apple Pay

Set up Google Pay

Set up Samsung Wallet

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).


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.


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.

Not found what you're looking for?

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 * Our modern slavery and human trafficking statement
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 * Britannia DirectSaver login

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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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