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Student account

Here when the bank of mum and dad is closed

Our Student account has an overdraft that rises each year.

Please read our Terms and Conditions before applying.
You must be over 17 years and 6 months of age.

So why bank with us?

Interest-free overdraft that rises each year.


Interest-free overdraft that rises each year.

24/7 call centres

24/7 call centres

UK-based and here when you need us.

Manage your money 24/7 online, using our mobile app and over the phone.

Bank your way

Manage your money online, using our mobile app and over the phone

We live up to our customers' ethical priorities.

Ethical finance

We live up to our customers' ethical priorities.

For student life, our Student Account

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.

  • Safe and secure online banking and mobile app
  • UK call centres open 24/7
  • Debit card* and regular statements
  • £1,400 interest-free overdraft in year 1, £1,700 in year 2, up to £2,000 in year 3

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.

Apply Now

Keep a finger on your finances with our new mobile banking app

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

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

Ethics in practice

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

Ethics in action

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

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.

Ready to open a Student account?

You can apply for a Student Account online, or call 08448 448 887 (charges apply) to request an application form.

Apply Now

What we need to open your account

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 ›

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.

We also offer these accounts

** 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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