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Current Account

A 5-star, no-monthly fee current account.


  • Opt-in to Everyday Rewards and we could reward you, or a charity on your behalf, every month.

    See Everyday Rewards eligibility criteria
  • Choose to apply for an overdraft during your application or once your account has been opened.

    Approval for the overdraft is based on a credit check and an assessment of your personal circumstances. You'll be charged debit interest on your overdraft balance.

    More about the overdraft
  • Manage your money using online banking, mobile banking and Apple Pay.

Current account switch guarantee moneyfacts logo apple pay logo

To apply, you need to be:

  • Aged 16 or over, or 18 or over when requesting the optional overdraft.
  • An EU resident.

Approval is based on a credit check, an assessment of your personal circumstances and is subject to status.

Ready to apply?

It takes about 10 minutes to complete if you've got all your details to hand.

Please read our terms and conditions before applying

Important documents

Help for existing customers

Help and information about current accounts for our existing customers.

To apply, you need to be:

  • Aged 16 or over, or 18 or over when requesting the optional overdraft.
  • An EU resident.

Approval is based on a credit check, an assessment of your personal circumstances and is subject to status.

Ready to apply?

It takes about 10 minutes to complete if you've got all your details to hand.

Please read our terms and conditions before applying

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

Whether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy. We may be able to offer a product that's different to the one advertised.

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

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