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Cashminder

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.


  • 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.
    More about switching


To apply, you need to be:

  • Aged 16 or over.
  • An EU resident.

Approval is based on an assessment of your personal circumstances. We may use Credit Reference Searches to validate your information.

Ready to apply?

Please read our Terms and Conditions, Summary of Changes to our Current Accounts Terms and Conditions with effect from January 2018 and other important documents before applying.

Download the application pack and post it back to us

Once you have completed all sections of the application form and signed it, please return it along with the appropriate proof of identity and address to:

The Co-operative Bank plc

PO Box 638

Salford

M5 0JQ

To request an application pack call us on:

+44(0)3457 212 212

Lines open

6am - 10pm, 7 days a week

Important information about our call charges

Alternatively, visit us in branch

Use our branch locator to find your nearest branch

Important documents

Please note, our Terms and Conditions are changing with effect from January 2018. Please see the Summary of Changes document below, which explains what we're changing and why.

Summary of Changes to Terms and Conditions with effect from January 2018 and new Account Charges Leaflet.

Download Summary of Changes to Terms and Conditions with effect from January 2018 and new Account Charges Leaflet. PDF (129KB)

How we use your personal information

Download How we use your personal information PDF (622KB)

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

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).