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The no-frills, no worries account

Simple. Straightforward. Exactly how banking should be

Cashminder benefits

Debit card, regular statements, standing orders and direct debits.

Everything you need

Debit card, regular statements, standing orders and direct debits.

Manage your money 24/7 online and over the phone. Or go mobile.

Always there for you

Manage your money 24/7 online and over the phone. Or go mobile.

Open your account by requesting an application form over the phone, or visit us in-branch. All with just £1.

Easy to set up

Open your account by requesting an application form over the phone, or visit us in-branch. All with just £1.

Manage your money anytime, anywhere with secure online banking.

Safe and secure

Manage your money anytime, anywhere with secure online banking.

Practical banking

Cashminder is a current account ideal for those who don't qualify for other accounts. You'll get all the advantages of our award-winning online, in-branch or over the phone service. Must be a UK resident aged 16 or over.

Banking with no frills and no fuss:

  • Safe and secure online banking
  • UK call centres open 24/7
  • Debit card, standing orders and direct debits
  • Open with just £1 and minimum balance only £1
  • Regular statements
  • No overdraft facility, cheque book or monthly charge

Please read our Terms and Conditions before applying

Effortless switching

Simply apply for a Co-operative Bank current account. Once it's open, you're ready to switch. We'll transfer your credit balance and all your regular payments to it. We'll even close your old account too. It's switching made easy.

1: Choose your switch date - 2: Call or visit us and let us know - 3: Leave the rest to us

Award winning customer service

Our UK-based call-centre staff are at hand 24/7 and you'll enjoy the same friendly, professional and expert service in all our branches throughout the UK. We've opened some of our branches on Saturdays. Our UK-wide network won the Best In Branch Service at the Customer Satisfaction Awards 2013. Top Rated Best Current Account Provider

Never feel out of touch or out of time

Safe online banking that's always available whenever you need it. It's not just secure - it's also convenient and easy to use.

Find out more

Always at hand

You can also pay in cheques and cash or get cash out at over 16,000 Post Offices throughout the UK. Use your debit card at over 64,000 LINK cash machines. Some cash machines may charge for withdrawing but most are free.

Manage your money your way in your own time, at home or on the run. Use our mobile app for your iPhone®, Android™ or BlackBerry® smartphone.

Find out more


test-item Top Rated Best Current Account Provider


Moneyfacts Winner Online banking provider of the year 2013

test-item Winner In Branch Customer services

test-item Top Rated - most likely to be recommended

Ethics in practice

As a Co-operative business, we strongly believe in ethical values and in putting our money where our mouth is.

Together, we also support thousands of communities across the UK on projects including clean energy, education and sports.

Find out more

Ethics in action

As a Co-operative business, we believe in ethical values and in putting our money where our mouth is. That's why, in 1992, we launched our Ethical Policy which reflects our customers' views on what they do and do not want us to do with their money.

Since we launched our Ethical Policy, we've championed our customers' ethical concerns on a number of issues, from protecting human rights or supporting UK communities.

Find out more

9 out of 10 customers said that they would recommend us to a friend

90% of 1,312 people surveyed online by The Co-operative Bank in August 2013.

Ready to open a Cashminder account?

Ways to apply

To request an application pack call us on 0845 602 7057 (charges apply), alternatively call into your nearest branch. Find a Branch ›

What we need to open your account

We will need to see a proof of your identity and a proof of your address, such as a passport, driving licence, TV licence and utility bills. Once you've applied, we will let you know what to provide.

See full list of proofs we accept ›

Identification requirements

To meet our regulatory requirements in relation to customer identification and to protect both you and us from fraud, we will verify all applicants electronically or, where this is not possible, by requesting paper proofs.

If you are applying in person at a local Co-operative Bank or Britannia branch, you will be asked to take some paper proofs with you to confirm both your Identity and Address - any of the following are acceptable. (You need to bring one proof from each list). If you are applying by post, telephone or internet you will be advised if paper proofs are required.

Proof of Identity (POI):

  • Current valid passport (with English translation)
  • Current full or provisional photocard driving licence (with English translation)
  • EU/EEA Member State Identity Photo-Card or National Identity photocard (Not UK)
  • Shotgun Licence or Firearms Certificate
  • Northern Ireland electoral ID card
  • Instruction from the Court appointing an individual: Court of Protection or Grant of Probate
  • Confirmation of receipt of State Benefits from a Government Agency (including Government issued Pensions)
  • HMRC Tax Notification letter /Assessment letter or Statement of Account
  • Birth certificate (under 18s only)
  • National Insurance card (under 18s only)
  • NHS Medical card / letter (under 18s only)
  • HMRC letter confirming issue of NI card (under 18s only)
  • Current child benefit letter (under 18s only)

Proof of Address (POA):

  • Current UK photocard driving licence (full or provisional)
  • Current old style UK driving licence (full)
  • Notification letter from Benefits agency / other Government agency confirming the right to benefits pension (issued within the last 6 months)
  • HMRC Tax Notification letter / Assessment letter or Statement of Account
  • Letter confirming residency from a Nursing Home/Care Home
  • Local Authority Tax Bill (issued within 6 months or valid for current year)
  • Statement or letter from Bank / Building Society / Credit Card / Mortgage / Life Insurance / Investment indicating that a relationship exists (issued within the last 6 months).
  • Utility Bill (not a mobile phone bill - issued within the last 6 months)
  • Solicitor's letter confirming recent house/land purchase (issued within the last 6 months).
  • Local Authority / Housing Association / Public Letting Agency tenancy agreement Tenancy Agreement or letter
  • TV licence (valid for the current year)
  • Vehicle tax renewal document (issued within the last 6 months)
  • NHS Medical card letter (under 18s only)
  • Child benefit letter (under 18s only)
  • Student loan letter or statement (confirming home address) (under 18s only)
  • Professional reference from a person in a position of responsibility (under 18s only)
  • HMRC letter confirming issue of National Insurance card (under 18s only)

One document cannot be used to fulfil both POI and POA requirements. For example, a driving licence appears on both POI and POA lists, however this single proof cannot satisfy both POI and POA requirements

If you are unable to provide one proof of identity and one proof of address based on the above list, please call into a local Co-operative Bank branch or contact us on 08448 44 88 44 and one of our customer services advisers will be able to discuss with you any other proofs we can accept to open your account.

Student account
In addition to satisfying our Proof of Identity and Proof of Address requirements, you will also be required to supply evidence of your course and funding also.

Helping you decide: important information

Before you apply for an account, you need to be sure it's the right one for you. The following documents supply important product and legal information you need to make a decision.

We also offer these accounts

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

The Co-operative Bank was the winner of the "Best Branch Customer Service" category and was placed 3rd overall in the ‘Best current account provider’ category in the Customer Satisfaction Awards 2013 (May 2013). The research was conducted online by YouGov between 25/09/12 & 03/10/12 among 10,269 adults.

The Co-operative Bank was the winner of the "Online banking provider of the year" at Consumer Moneyfacts Awards 2013. Based on 77,235 surveys conducted by Moneyfacts group between 08/10/2012 and 21/11/2012.

Apple, iPad, iPhone, iPod touch, and iTunes are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc.

BlackBerry® and related marks and logos are owned by Research In Motion Limited and are registered and/or used in the U.S. and elsewhere. Used under license from Research In Motion Limited. Mobile Banking is a product from The Co-operative Bank and has not been authorized, sponsored, or otherwise approved by Research In Motion Limited.