£10 monthly service fee
Lower cash deposit fees than our Standard tariff
Access to free merchant services software and discounted terminals with Clover
Free access to our payment request tool Go Get Paid
All definitions are explained within the tariff PDF. Read the full tariff for all fees and charges, terms and details.
Extras | Details | How to apply |
Savings View our savings accounts |
Choose a savings option that suits your business goals | During your application |
Overdrafts View our overdraft options here |
Organise your cashflow | During your application |
Mobile banking
Manage multiple businesses from the same account, multiple users with payment authority, transaction history and payments
Online banking
Send a variety of payment types, receive fraud and account alerts, have safe and secure open banking and have a daily limit up to £250,000
Financial Director Online
Optional subscription service for complex payment types like bulk BACS, enable multiple business management and get a dedicated help desk
In branch or Post Office® banking
Get banking support in branch from friendly advisors and deposit cheques and money or get change from your local Post Office®.
Free and easy business payment requests
Go Get Paid is a free app to quickly send payment requests to anyone
Start a sustainability journey
Zellar helps you manage and improve your business’ sustainability goals
Easy ways for your customers to pay
Clover has lots of options for payment and commerce solutions
Protect your business with insurance
AXA Insurance provides options for your organisation and property
Expert advice to support your business
Business Concierge offers legal advice, IT support and HR management
Check your eligibility and apply.
If you've already started one, you can continue your application here.
To be eligible for the Cash Tariff account you and key individuals must be:
You or your organisation must be either a:
If your organisation is a limited company, the following must be true:
Your application is subject to status. This means we'll assess your financial circumstances and complete credit checks.
Not eligible for this account?
You may be eligible for one of our other accounts.
Read the following important documents and save copies for your future reference.
Business account Terms and Conditions PDF
Standards of Lending Practice PDF
How we use your personal information PDF
FSCS Information Sheet and Exclusions List PDF
Current Account Switch Agreement PDF
To view information on charging periods and pre-notification dates, please visit our account charging page.
Never open a bank account in either your name/business name for someone else to use, or agree to move money through your account for someone else – even if they offer you money in return. If you do this, you could be committing a crime with serious consequences.
Please note: Your application is subject to status. This means we’ll assess your financial circumstances and complete credit checks.
Accounts are usually opened within 5 business days
The Current Account Switch Service makes switching your account simple, fast and free.
Learn how to switch your business account to us.
Review and compare our business current accounts.
We know many people rely on cash to get things done. And new rules from the Financial Conduct Authority will help protect your access to it from 18 September 2024.
There is now more protection for victims of certain types of scams. Read more about the changes to scam reimbursements
Your eligible deposits held by a UK establishment of The Co-operative Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with The Co-operative Bank and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered.
Please read further information on the FSCS scheme here or visit their website.