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Cashminder

The no frills account.

Simple. Straightforward. Exactly how banking should be

For an application pack call 0345 602 7057.

Charges apply >>

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

Compare Cashminder with our current accounts

 CashminderStandard Current Account
Current Account Plus
  Cashminder Standard Current Account Current Account Plus
  Terms and Conditions effective until 4 July 2015 >

Terms and Conditions effective from 5 July 2015 >

A guide to Terms and Conditions changes >

How to Apply
Terms and Conditions effective until 4 July 2015 >

Terms and Conditions effective from 5 July 2015 >

A guide to Terms and Conditions changes >

Find Out More
Terms and Conditions effective until 4 July 2015 >

Terms and Conditions effective from 5 July 2015 >

A guide to Terms and Conditions changes >

Find Out More
No monthly fee
Yes Yes Yes
Online and mobile banking
Yes Yes Yes
Overdraft No No
Not by default but can be arranged after opening. Subject to status. You must be over 18.
Yes
£200 overdraft - debit interest of 18.9% per annum is charged on the total overdrawn balance. Subject to status.
Representative Example N/A N/A The advance of credit of £200 at an interest rate of 18.9% EAR* variable.
UK-based call centres open 24/7
Yes Yes Yes
Contactless card
No Yes
Subject to status.
Yes
Linked instant access savings account
No No Yes
Joint account available
Yes Yes Yes
Eligibility criteria Must be a UK resident aged over 16.
Must be a UK resident aged over 16.
Must be a UK resident aged over 18, have an income of at least £9,600 and pay in at least £800 per month. Subject to status.
Apply online No Yes Yes
  Terms and Conditions effective until 4 July 2015 >

Terms and Conditions effective from 5 July 2015 >

A guide to Terms and Conditions changes >

How to Apply
Terms and Conditions effective until 4 July 2015 >

Terms and Conditions effective from 5 July 2015 >

A guide to Terms and Conditions changes >

Find Out More
Terms and Conditions effective until 4 July 2015 >

Terms and Conditions effective from 5 July 2015 >

A guide to Terms and Conditions changes >

Find Out More

 

* EAR - (Equivalent Annual Rate) The equivalent to paying and compounding debit interest over a whole year.

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

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.

Ready to open a Cashminder account?

Ways to apply

To request an application pack call us on 0345 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.

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

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