Lost or forgotten accounts

The Co-operative Bank p.l.c is committed to reuniting its customers, or their legal representatives, with any accounts or funds which may have been forgotten or lost.

What to do next

If you think you've got an account with us that you haven't used for a while, we can check to see if one exists. You don't need to give us an account number, however we'll need to see some identification and we’ll need as much information as possible. For example:

  • Your full name, or full name of the account holder
  • other names by which you or the account holder has been known (e.g. before marriage)
  • date of birth
  • details of any previous addresses lived at since the account was opened
  • the name or names of any other account holders
  • estimated date when the account was opened.

You can contact us by:

In both cases, if we're unsuccessful in tracing an account, we'll advise you what to do next. Alternatively, you can visit the My Lost Account website where you can also get help tracing your lost accounts and savings.

Please remember if you have money in a lost or forgotten account, it will always be your property no matter how many years pass by.

The Co-operative Bank p.l.c’s participation in the Unclaimed Assets Scheme

The Co-operative Bank p.l.c is proud to be part of the statute backed Unclaimed Assets Scheme working to close inactive accounts and re-unite customers with unclaimed funds.

As part of the scheme and in line with our strategy, industry guidance and related law, we will attempt to contact the account holder if an account has been inactive for 15 years or more and where no other related customer activity has taken place. We will write to the account holder at their last known address provided mail has not been returned ‘gone away’. We may also undertake other forms of pro-active searching to trace the account holder to reunite them with their accounts.

Despite our best endeavours, some inactive accounts still become dormant. If an account has been classed as dormant and attempts to contact the customer have failed, the balances are eligible for transfer to a central reclaim fund known as Reclaim Fund Ltd (RFL). This not-for-profit fund, will hold money from the dormant accounts (also known as unclaimed assets) of customers from participating banks and building societies before its onward distribution to good causes in the UK.

There are some types of accounts where the 15 year dormancy period will only begin once any fixed term comes to an end, this includes Child Trust Funds.

Customers will retain the right to reclaim their monies at any time after the funds have been sent to the Reclaim Fund. We will therefore retain customer records for dormant accounts and all accounts reinstated will include any interest due. All transferred account monies will continue to be covered by the Financial Ombudsman Service.