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Important Information

What is Your Registered Address?

The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester, M60 4EP. Registered in England and Wales No. 990937.

Who regulates you?

The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester, M60 4EP.  Registered in England and Wales No. 990937.  The Co-operative Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885) and holds an Interim Permission in respect of consumer credit activities and subscribes to the Lending Code and the Financial Ombudsman Service.

Lending Code

The Lending Code is a voluntary code that sets standards for good lending practice that all of its members have to meet. That way you can be sure we're doing things in your best interests.

We recommend that you read through the Lending Code (PDF - 0.3MB) or you can visit the Lending Standards Board's website to find out more.

For further advice, the following documents are available to download through the Lending Standards Board website:

The Money Advice Service

The Co-operative Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, subscribes to the Lending Code and the Financial Ombudsman Service, and is licensed by the Office of Fair Trading (No. 006110).

The Money Advice Service has impartial information and tools to help you when budgeting, borrowing money, taking out a mortgage or opening a savings account.

For more information please visit, or call The Money Advice Service helpline on 0300 500 5000^.

How do I give you feedback or make a complaint?

Your opinion is very important to us. Listening to your views helps us grow as a company and stay on track with what you, our customers, want.
Give us feedback

Or if we get something wrong, you may need to make a complaint. Be assured that we treat all complaints seriously and promise to deal with them fairly and promptly, and in many cases we'll resolve them right away.
Find out more about our complaints policy.

How do you protect my information?

The privacy of Co-operative Bank customers is very important to us, and how we deal with personal information is outlined in our terms and conditions. We hope the way in which we gather and use your personal information addresses and respects any concerns you may have:

We will only use the personal information we gather:

  • in the normal course of our business to provide the products and services you have requested
  • to identify you when you contact us
  • to determine if we can offer you a better service or more relevant products
  • to send you e-mail updates of service changes which are important to you or which we feel may be of interest to you
  • for credit assessment, to review the conduct of and to administer/operate your accounts
  • for statistical analysis, including automated techniques (e.g. behaviour and credit scoring) and to monitor and analyse our business

We will disclose your personal information only to:

  • our agents and sub-contractors to administer and operate your account or to conduct our business
  • the insurer of any payment or card protection cover which you take out in connection with your account
  • our licensed credit reference agency who may keep a record of any search we make and your personal information may be shared with and used by other lenders in assessing applications from you or members of your household
  • any person to whom we transfer our rights or obligations under this agreement
  • for debt tracing or fraud prevention
  • to help desk advisers, minicom / typetalk operators or their equivalent
  • if required or compelled to do so by law

What Law is applicable to my contract with you?

In legal disputes, the Law of England will apply. As required by law, please note any terms and conditions of your account will be in English, governed by the laws of England and Wales and we will communicate with you in English.

Our disclaimer

The Bank has taken the greatest of care to ensure the accuracy of the contents of this website, but cannot accept responsibility (to the extent permitted by law) for any inaccuracies, omissions, or errors whether in respect of the information provided on the Bank's website or on any to which the Bank's website may be linked. The Co-operative Bank p.l.c. (the "Bank") is a United Kingdom bank and its products are only available in the United Kingdom (including the Channel Islands and the Isle of Man) to United Kingdom residents.

The information on this website may only be used by UK residents and expatriates for their own purposes. Permission must be obtained from the Bank for any other use.

Email security

For your additional peace of mind, every marketing customer e-mail sent by us, will include the last part of your postcode as it appears on your Co-operative Bank statement.

FSCS logosmile, 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).  Find out more