Financial Director (FD) Online

Warning - Fraudsters are cold calling customers

If you've been asked to download software onto your device before checking your online banking, STOP! It's a scam. Please also remember, never tell anyone your token codes, not even us. If you're concerned that you may have been targeted by fraudsters please contact us on +44(0)3457 213 213 Call charges

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Financial Services Compensation Scheme

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 following: The Co-operative Bank, Britannia and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered.

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Your Financial Director online

Financial Director (FD) Online is our commercial online banking service.

FD Online, gives you direct access to your business accounts. It's a durable and secure system that will provide you with a fast online experience.

FD Online is changing

We'll soon be moving all existing customers over to our new FD Online service.

We'll give you an exact date nearer the time via email, we'll do this in stages, so don't worry if you've not heard anything yet.

Until then, just keep using your online banking as you usually would.

If you're a new FD Online user or you've recently been migrated to our new FD Online service, please log in using the link below.

FD Online provides all the advantages of our Business Online Banking service, plus the added benefits of:

  • Non-signatory users
  • CHAPS payments (both UK and Euro)
  • Foreign payments and Bulk Bacs
  • Secondary approval for payments
  • Bespoke reports

FD Online administration users

FD Online also has the advantage of administration users - dedicated individuals who will set up access and preferences for other users.

For information on using the administration options and you're an existing administration user not yet using the new FD Online service, please take a look at our admin user guide:

Download admin user guide PDF

If you're a new FD Online administration user or you've recently been migrated to our new FD Online service, please take a look at our new admin user guide:

Download new admin user guide PDF

How to apply for FD Online

To request an application form, please email Please review the FD Online tariff to view the charges for the service.

Download FD Online tariff PDF

FD Online frequently asked questions

For help on how to use our new FD online, you can view demo videos about how to manage your account online. This includes:

  • introduction to your online banking dashboard
  • adding a new beneficiary
  • making a faster payment.

For additional help, please refer to the most frequently asked questions and FD Online user guide below.

FD Online FAQs

FD Online User Guide

Open Banking

Open banking allows you to easily and securely share your financial data, including your transaction history and spending behaviour with regulated third-party providers. It also allows you to give permission to a regulated third-party provider to initiate payments from your account on your behalf.

Third-party providers cannot, under any circumstances, gain access to your account unless you have given them explicit consent to do so.

Learn more about open banking

Coronavirus support

If you're concerned about how coronavirus might impact your business and you require any advice or guidance, we're here to support you.

Staying safe online

We know online security is important to our customers. To find out more about protecting your information online.

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Changes to shopping online

We're changing how you make payments with your card online. You'll need to check and, if required, update the mobile number we hold for you.

Not found what you're looking for?

Contact our support team