A basic account for people who may not qualify for other kinds of current account.

  • You cannot open a Cashminder if you already hold a Co-operative Bank or smile current account, unless you are in financial difficulty.

  • Open with just £1 (minimum balance of £1).
  • No overdraft facility, cheque book or monthly charge.
  • Available as a joint account.
  • No monthly fee account, meaning you don't get charged for opening this account.
  • Switch your current account to us in 7 days.

    Direct Debits will be automatically transferred and payments into and out of your old account will be redirected for 3 years.
    More about switching

To apply, you need to be:

  • Over 16.
  • A UK resident.

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

Ready to apply?

Please read our terms and conditions before applying

Download the application pack and post it back to us

PDF icon

Cashminder application pack

Download PDF (168KB)

Request an application pack by calling us on:


Lines open

9am - 8pm, Monday - Friday

9am - 12 noon on Saturday

Important information about our call charges

Alternatively, visit us in branch

Use our branch locator to find your nearest branch

Important documents


Account charges

Download PDF (393KB)

Terms and conditions

Download PDF (163MB)

How we use your personal information

Download PDF (622KB)

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

Contact us

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

Chat to us via live chat

Chat to us via live chat