Smart Saver
Immediate access wherever you are
- Opened for as little as £1 (maximum £1,000,000)
- Pays the same rate of interest on every penny in your account
- Interest accrues daily and is paid annually
- Money isn't the only thing that you'll be saving - we are the only UK high street bank with a customer-led Ethical Policy.
View our current interest rates.
Important information for non-UK mainland residents
Further information
How do I take money out?
- online transfer
- electronic transfer by telephone
- cheque by telephone banking
- over the counter
- LINK cash machine up to £250 a day.
How do I pay money in?
- online transfer
- standing order
- direct transfer from another Co-operative Bank account or another bank account
- at any Co-operative Bank branch
- by sending a cheque through the post
- by cheque at any Post Office™ branch.
Please read...
(These open in new windows)
- Terms and Conditions (PDF - 0.1Mb)
- Summary box (PDF - 0.1Mb)
The Co-operative Bank is a member of the Financial Services Compensation Scheme (FSCS), which would pay compensation to eligible customers in the unlikely event of the Bank becoming insolvent. Find out more.
Gross rate means the contractual rate of interest paid before deduction of income tax at the rate specified by law.
Net is the rate of interest that would be payable after allowing for the deduction of income tax at the rate specified by law.
AER means the Annual Equivalent Rate and illustrates the contractual rate of interest as if paid and compounded each year.
