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Current accounts

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Our current accounts

Compare: Overdraft limit Formal overdraft debit interest rate What is a formal overdraft? Informal overdraft debit interest rate What is an informal overdraft? Representative example What does representative mean? Eligibility Learn more about eligibility Overdraft requirements Chip and pin Learn more about payment types Contactless Learn more about contactless Joint account Account fees Charges

Overdraft available on request, subject to individual circumstances and a credit check.

18.9% EAR variable

Interest is charged on the total formal overdraft balance.

18.9% EAR variable

Interest is charged on the informal overdraft balance.

Assumed credit limit

£1200

with an interest rate of

18.9% EAR variable

  • Aged over 16.
  • A UK resident.

Approval is based on a credit check, an assessment of your personal circumstances and is subject to status.

You must be 18 or over.

Approval is based on a credit check and an assessment of your personal circumstances.

chip pin card

Yes

contactless card

Yes

You must be 18 or over, approval is based on a credit check, an assessment of your personal circumstances and is subject to status.

Yes, available as a joint account.

blue crossNo monthly fees.

Other charges may apply

0% overdraft limit

£1400 Year 1

Up to

£1700 Year 2

Up to

£2000 Year 3

Additional formal overdraft can be arranged.

0% EAR variable

Any formal overdraft above the 0% limit is charged at

9.9% EAR variable

18.9% EAR variable

Interest is charged on the informal overdraft balance.

Assumed credit limit

£1400

with an interest rate of

0% EAR variable

  • Aged over 17 years and 6 months.
  • Be in full-time education.

Approval is based on a credit check, an assessment of your personal circumstances and is subject to status.

You must be 18 or over.

Credit account with £300 or more to activate the overdraft.

Approval is based on a credit check and an assessment of your personal circumstances.

chip pin card

Yes

Contactless is not available with a Student account.

No

blue crossNo monthly fees.

Other charges may apply

No overdraft available on this account.

No overdraft available on this account.

No overdraft available on this account.

No representative example as there is no overdraft.

  • Aged over 16.
  • A UK resident.

No overdraft available on this account.

chip pin card

Yes

Contactless is not available with a Cashminder account.

Yes, available as a joint account.

blue crossNo monthly fees.

Other charges may apply

Switching made quick and easy

When you switch your current account to The Co-operative Bank, we do all the hard work.

  • Direct Debits and standing orders are transferred automatically.
  • Payments into and out of your old account are redirected for 3 years.
  • If there are any problems during the switch, we guarantee to cover you.

Learn more about switching
switching logo

Help for existing customers

Help and information about current accounts for our existing customers. Learn more

Privilege and Privilege Premier current account information. Learn more


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.

Contact us

If you'd like more help & information, you can: