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Current Account

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

  • Switch your account to us online in just seven working days - we'll cover you if anything goes wrong.
  • 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.

Important documents

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 (176KB)

How we use your personal information

Download How we use your personal information PDF (622KB)

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.

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).