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
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
Cashminder application packDownload Cashminder application pack PDF (168KB)
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
To request an application pack call us on:+44(0)3457 212 212
6am - 10pm, 7 days a weekImportant information about our call charges
Alternatively, visit us in branchUse our branch locator to find your nearest branch
When you switch your current account from your current bank or building society, we do all the hard work for you.
Payments are transferred automatically.
All your Direct Debits, standing orders and bill payments will be automatically transferred.
Payments are redirected.
Any payments into your old account will be redirected to your new account.
If there are any problems, we guarantee we'll cover you.
If anything does go wrong, we guarantee to sort it out for you and cover any losses you might incur. This is covered in the Current Account Switch Guarantee.Read more about switching
There is no monthly fee for having this account.
There are other charges, including:
- Foreign transaction services, such as using your debit card abroad.
- Electronic payments, such as CHAPS.
- Other services, such as copies of your statement.
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)
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).