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We want to help micro, small and medium business get paid on time so they can survive and grow

We're working with Incomeing, a service that helps businesses request customer payments through a simple app, so they can get paid on time, boost their cash flow and reduce financial admin.

As an ethical bank, we're committed to supporting small and micro businesses at the heart of our local economies. That's why The Co-operative Bank has partnered with Incomeing, a third party who provides a cost-effective, simple and secure app to help you get paid faster.

Co-operative Bank customers can register for a three-month free trial of the service, after which, a standard fee of 20p per transaction will apply, that's only payable if you get paid. Please visit Incomeing for full details.

What is Incomeing?

  • Incomeing is a free app that helps businesses get paid simply, securely and instantly
  • businesses can request payments from their customers easily through email, Whatsapp, text message, or a QR code
  • your customers can pay through these generated requests, without needing to register or download Incomeing, or bank with The Co-operative Bank
  • register for the service using your Co-operative Bank Business Current Account
  • visit Incomeing for full details on how to download, register and use the app.
  • watch a demo about how Incomeing can help your business

Register for the Incomeing service using your Co-operative Bank Business Current Account:

First, you will need to grant MoneyHub Financial Technology Ltd. access to your account. BankiFi and Moneyhub are working together to provide open banking services.

To do this:

  1. log in to your Online Banking
  2. click 'Menu' in the navigation bar and select 'Requests and activity log'
  3. select 'Orders and requests', then 'Make an order or request'
  4. select 'Trusted Third Party Provider User Creation'
  5. from the drop-down list, select 'Make new request'
  6. select 'Moneyhub'
  7. tick to provide Account Information and select the account you want to provide access to
  8. click continue and the service request will be completed.
  • once we've received the request, we'll email you within 10 business days to provide further instructions to complete the Third Party Provider set up
  • once you've completed these steps, you'll be able to register for the Incomeing service and link your Business Current account to start sending payment requests.

If you have already registered on the Incomeing app and have been asked to grant Moneyhub Financial Technology Ltd. access to your bank information:

You will still have access to the Incomeing app, but until you complete the following steps, you will not be able to send any requests to pay.

To grant access to Moneyhub Financial Technology Ltd.:

  1. log in to your Online Banking
  2. click 'Menu' in the navigation bar and select 'Requests and activity log'
  3. select 'Order and requests', then 'Make an order or request'
  4. select 'Trusted Third Party Provider User Creation'
  5. from the drop-down list, select 'Make new request'
  6. select 'Moneyhub'
  7. tick to provide Account Information and select the account you want to provide access to
  8. click continue and the service request will be completed
  • once we've received the request, we'll email you within 10 business days to provide further instructions to complete the Third Party Provider set up
  • once you've completed these steps, you'll be able to register for the Incomeing service and link your Business Current account to start sending payment requests.

Important things to know:

  • Incomeing is regulated by the Financial Conduct Authority
  • The Co-operative Bank does not provide and is not responsible for the Incomeing service
  • The Co-operative Bank does not have access to personal information within the Incomeing service
  • the Incomeing service does not share data with The Co-operative Bank
  • The Co-operative Bank has no liability for any direct or indirect consequences from use of the Incomeing service
  • visit the Incomeing website for more information
  • if you have any questions regarding the Incomeing service, please contact the company directly at Support@Incomeing.co.uk.

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"The “Incomeing" service is provided by BankiFi Technology Limited ("BankiFi"). BankiFi is regulated by the Financial Conduct Authority under Financial Services Register number under 926574 as a PSD Agent of MoneyHub Financial Technology Limited. Registered in England and Wales Number 10696778. Registered office: 17 St Ann's Square, Manchester, United Kingdom, M2 7PW. Terms and Conditions apply to use of the Incomeing service – https://www.incomeing.co.uk/terms-of-use. How BankiFi process your personal information together with your rights is explained here – https://www.incomeing.co.uk/privacy-notice. The Co-operative Bank PLC does not provide and is not responsible for the "Incomeing" service. It has no liability whatsoever for any consequences, which may occur directly or indirectly, from your use of the "Incomeing" service".

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