Please read our Terms and Conditions before applying.
You must be over 17 years and 6 months of age.
Interest-free overdraft that rises each year.
UK-based and here when you need us.
Manage your money online, using our mobile app and over the phone
We live up to our customers' ethical priorities.
Not just free online banking, access to your money 24/7, and all the usual stuff - but an interest-free overdraft to take the pressure off your finances. To apply you must be over 17 years and 6 months of age and in full-time education, an under or post graduate student or mature student.
Representative example: The advance of credit of £1,400 for a 12 month term in first year of study at an interest rate of 0% EAR** variable. Total amount payable £1,400. Any remaining balance would be repayable in one instalment at the end of the term.
† Overdrafts available provided you are 18 or over. You must credit your Student account with £300 to activate the overdraft.
* Debit card issued provided you are over 18 years.
Our new banking app makes managing your money even simpler by putting the key features of our Internet banking in your pocket. Check your balance, pay your bills, get text alerts and more.Find out more
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
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
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
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 may need to see proof of your identity and a proof of your address, such as a passport, driving licence, TV licence and utility bills (we'll let you know what to provide once we have your application). You will also be required to supply evidence of your course and funding.See full list of proofs we accept ›
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):
Proof of Address (POA):
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.
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.
** EAR is the equivalent annual rate taking into account the interest rate and how often interest is debited but excludes any fees or charges.
The Co-operative Bank reserves the right to decline any application.
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