Specialist Relationship Banking

Banking for Charities, Co-operatives and Social Enterprises

We understand your needs

At the Co-operative Bank, our ethical approach to finance is at the heart of everything we do. We have a specialist Charities and Social Enterprise national team who are proud to work with organisations that invest in people, the wider community and the environment.

Our customers include:

  • Charities (including UK top 100)
  • Social enterprises
  • Credit unions
  • Community development finance initiatives
  • Co-operatives
  • Schools and academies
  • Student unions

Our experienced Relationship Managers understand the unique challenges of your sector and your organisation. As a Co-operative Bank customer, you will benefit from our in-depth knowledge and our commitment to providing high standards of customer service.

Ethical Policy

Since 1992, our unique Ethical Policy has determined who we will and will not finance in line with our our customers' ethical concerns. As well as restricting the provision of banking services to certain business sectors or activities, our Ethical Policy commits to provide finance to those organisations making a positive community, social and environmental impact. Uniquely, we are still the only UK high street bank with a customer-led Ethical Policy.

Benefit from our expertise

We provide a tailored service and dedicated Relationship Managers to support larger charities, co-operatives and social enterprises who typically turnover more than £1million. We also offer dedicated accounts for organisations whose turnover is below £1million.

Our Relationship Managers, who are based across the UK are committed to providing a personal service alongside a flexible approach. With smaller portfolios to manage, they are able to work closely with you, focusing on the specific needs of your organisation. What's more, as they are only a phone call away, you can receive expert guidance whenever you need it along with regular face to face review meetings and visits.

Our products and services include:

  • A full review of your current banking structure and requirements
  • Flexible banking solutions to meet the needs of your organisation
  • A range of deposit accounts including instant access and fixed rate deposit accounts, over various terms.
  • A range of loan finance solutions to meet your borrowing needs
  • The knowledge and experience of a specialist team, including a dedicated Relationship Manager
Ethical Policy in Action - supporting co-operatives & social enterprises

The Hive Image

The Hive is a new, business support programme to help the development and growth of the UK co-operative and social enterprise sector. Demonstrating its Ethical Policy commitment to support co-operatives, the Bank has committed £1.05million to this three year programme in partnership with Co-operatives UK, the UK trade association.
The Hive provides resources to help new co-ops and community businesses to start-up, existing co-ops to grow, non co-ops to convert, and communities to thrive. Find out more about The Hive