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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 before applying

Download the application pack and post it back to us

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


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).

Contact us

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

Chat to us via live chat