Account Charging

You can find all our charging information for our Business Banking products and services here, including the invoicing and debiting dates.

Account tariff charging 

FD Online charging 

Bacs charging 

Account tariff charging

Depending on the type of Business current account you hold with us, the rates differ. Please refer to your account tariff for more information.

In order to provide transparent charging information, we've created a table that details the periods in which charges are accrued on business accounts, and, importantly, the date you will be charged.

Invoice start date Invoice end date Charging date
18 November 2020 17 December 2020 5 January 2021
18 December 2020 19 January 2021 5 February 2021
20 January 2021 16 February 2021 5 March 2021
17 February 2021 15 March 2021 1 April 2021
16 March 2021 16 April 2021 5 May 2021
19 April 2021 18 May 2021 4 June 2021
19 May 2021 17 June 2021 5 July 2021
18 June 2021 19 July 2021 5 August 2021
20 July 2021 17 August 2021 3 September 2021
18 August 2021 16 September 2021 5 October 2021
17 September 2021 19 October 2021 5 November 2021
20 October 2021 16 November 2021 3 December 2021
17 November 2021 17 December 2021 5 January 2022

Your invoice will be sent the business day after the invoice end date to pre notify you of your charges.

Invoice start date

Refers to the date that the charging period for that particular month begins.

Invoice end date

Refers to the date that the charging period for that particular month ends.

Charging date

The date you are actually charged for the amount stated in your most recent invoice.

FD Online charging

FD Online tariff PDF

Your FD Online invoice will be sent to your system administrator (via a secure mail within FD Online) on the first business day of each month. Your nominated Co‑operative business current account will then be debited 14 days later. Where this falls on a weekend or bank holiday, the charge will be debited the following business day.

  • If you would prefer for invoices to be sent to another user your administrator can request this using the secure mail service within FD Online.
  • If you submit Bacs via FD Online you will be invoiced and charged via FD Online not via your account tariff and invoice.

If you wish to cancel the FD Online service please email a signed request on letter-headed paper to fdonline@co‑operativebank.co.uk. You will need to provide one month's notice. Please note you will be charged for the previous month, once we have completed your request to cancel the service.

Bacs charging

Depending on how you submit your Bacs files will affect how you are charged and the costing.

If you submit via FD Online please see the FD Online tariff and charging information.

If you submit through another method you can refer to the Bacs tariff for charges. Standard Bacs charges are invoiced on a calendar month basis, pre-notified the following month, and then charged the month after. For example; Bacs files submitted 1-31 January, would be included in your February invoice, and charged on or around the 5 March.

BACS Tariff PDF

If you submit with a bsecure card please refer to your bsecure tariff. bsecure fees will be charged separately from your file and transaction fees on your account tariff invoice. Dates of your account tariff invoicing and charging can be found within the account tariff charging section. bsecure invoices will be issued when a card or card reader is requested or when a renewal is due and will debit your billing account 14 days from the invoice date. Where this falls on a weekend or bank holiday, the charge will be debited the following business day.

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