Accessing your account

When you're running your own business, looking after your finances can sometimes seem like a full-time job in itself. That's why The Co-operative Bank provides a number of different ways for you to do your banking whenever it suits you.

As a business customer you have the ability to choose when and where you conduct your business banking - whether it is from your office at work, or in the comfort of your own home.

We were the first UK bank to offer a free online banking service to all our customers. The service is one of the easiest to use. It is a simple and secure way of doing your banking from a computer. Choose from the list below to see how easy and convenient it really is.

Check your set up

When accessing The Co-operative Bank website, we recommend you use the most up-to-date browser and operating system for your desktop, mobile or tablet.

We have built our website to work on the browsers used by most of our customers, which include:

  • Google Chrome 49 - 55, 58 - 60
  • Firefox 49 - 54
  • Internet Explorer 8 - 11
  • Microsoft Edge 12 – 15
  • Safari 9 &10

If you are using a desktop or laptop, we recommend you use:

  • Windows 7
  • Windows 8.1
  • Windows 10
  • OS 10.12 (Sierra)

For our Business Online Banking and FD Online services we recommend you use the latest version of your browser to ensure that you are protected against any security vulnerabilities in older browsers.

Registering to use the service

Please ensure that you read and understand your Business Account terms and conditions regarding the Business Online Banking Service (section 16) before completing the Business Online Banking application form.

Business Online Banking application form - PDF

Terms and conditions - PDF

How we use your personal information - PDF

Logging onto the service

To access your accounts, go to 'Banking login' at the top right hand side of the screen and select 'Business login' from the drop-down menu.

What you can do online

Using our online banking service, you can:

  • Check your account balance
  • View your last six months statements on screen and print them off
  • Make funds transfers between connected Co-operative Bank accounts
  • Future date a funds transfer between Co-operative Bank accounts
  • Arrange bill payments / fund transfers to other UK bank accounts*
  • Arrange bill payments / fund transfers to be made in the future*
  • Check the progress of items on your account
  • Cancel standing orders or Direct Debits
  • Enquire if a cheque has been presented, stop cheques* and remove stops
  • Change your registered e-mail address

You can also order the following:

  • Copies of cheques/credits/debits*
  • Copies of statements*
  • An up to date statement
  • Paying in books
  • Cheque books
  • Change of signature forms
  • Pre-addressed envelopes
  • Encashment form

* standard charges apply for these services, please refer to Bank charges

Our Customer Service Advisers can conduct all your transactions for you over the phone. Each time you or one of your nominated staff calls, 2 digits from your 4 digit Pass Number will be requested for security purposes. Please ensure that your Pass Number is kept secret from anyone other than your nominated staff or the Bank. If you suspect that anyone else knows the number please contact us immediately.

Lines are open Monday - Friday 8.00am-8.00pm

Saturday 9.00am - 12 noon.

You can access our voice automated service at all other times.

Here's what you can do through telephone banking:

  • order a statement
  • obtain balance information
  • order a cheque book or paying-in book
  • transfer funds between connected Co-operative Bank accounts
  • order a replacement business banking cash card, debit card or PIN
  • amend or cancel a Direct Debit
  • stop cheques †
  • order more deposit envelopes
  • request a bill payment mandate to make arrangements to pay regular bills
  • make general account enquiries
  • obtain Foreign Payment Services information

† charges apply, please refer to your account's tariff.

The Voice Response Service allows you to:

  • obtain a balance
  • request a statement
  • search for a specific cheque by number
  • search for the last three credit items on your account
  • search for the last six debit items on your account.

Transactions by post

Alternatively, you can write to us at the following address:

Customer Services
The Co-operative Bank p.l.c.
P.O. Box 250

You can make use of the network of Post Office branches to pay in cash and cheques over the counter. Cash can be deposited at any Post Office by debit card or cash deposit slip up to a maximum of £10,000 per week (of which a maximum of £250 per day can be coins) without prior arrangement. There are over 11,500 Post Office branches across the country so there should be a local one near you.

Please be advised that some Post Office® branches can only accept Cash Deposits of up to £2,000 per day.

If you are likely to deposit over £10,000 cash per week and/or require a Change Giving facility you will need to call your Customer Service Centre to register with the address of your preferred Post Office branch. Please allow up to three weeks for the arrangements to be made. There may be a nominal charge for this service, please refer to your tariff.

How long does it take to clear amended to?

  • Cash deposited using a debit card will be cleared into your account immediately
  • Cash deposited using a cash deposit book will be credited the next working day (if paid in after 7pm please add an extra working day for your account to be credited)
  • Cheque deposits available in four working days

Working days do not include Saturdays, Sundays or English Bank Holidays.