Financial Director Online

An online banking service that manages complex payment needs and offers a range of flexible and optional extras.

Log in to Financial Director Online

What is Financial Director Online?

Our online banking platform for commercial customers allows large-scale businesses to manage their complex payment needs easily. Whether you require bulk BACS or varied levels of access by your financial administrators, we can tailor something that is bespoke to your business needs.

Financial Director Online Commercial business banking platform


Personalise the service based on your organisational needs


Name an administrative controller and other users' access responsibilities


Link several companies to one profile and see all accounts in one place


Dedicated helpdesk contacted via email or secure message

Financial Director Online's features

  • Security

    Dual factor user authentication

  • Payments

    A range of payment types to use

  • Control

    Access for non-signatory users

  • Reports

    Create reports on a range of payment types and statement formats

  • Import

    Import payment files using standard template formats

  • Protection

    Fraud alerts to protect your account from threats

  • Integration

    Open Banking gives optional access to third parties for more banking options

  • Limits

    Multi payment limit profiles up to £20m daily

  • Bulk BACS

    Make automated payments and collections

  • Approvals

    Create custom payment approvals

  • Administrator

    Controls user access and authority levels

HID Approve

To keep you and your money safe, we have introduced a secure mobile authentication app. It's a simple way to verify yourself when logging in to online banking and to approve your online payments.

Find out more about the HID Approve app

Why use Financial Director Online?

It is a digital banking service designed for easy handling of large transactions and volume of payments on one platform. You can use it with one or multiple businesses so all of your accounts are viewable in one place in real time. And, you can arrange for customisable users and access levels.

There is a monthly service fee dependant on how many users you register on the platform.

Number of users
Charge per user
Min monthly charge
Number of users Low (up to 3)
Charge per user £12
Min monthly charge £30
Number of users Mid (4-7)
Charge per user £8
Min monthly charge £50
Number of users High (8+)
Charge per user £5
Min monthly charge £75

Certain payment types attract additional fees, which is not unique to the Financial Director Online service. Please view the full tariff of fees for all costs.

If your business handles fewer transactions and a smaller value of payment, perhaps our Business Online Banking service is better for you.

Key information about Financial Director Online

If you feel this is suitable for you and your business, please check the important information and documents below before you begin the application process.

Before filling in the application form, please have to hand the following information:

  • your organisation's details
  • service requirements, for e.g., CHAPS and BACS
  • account details for where the charges will be debited
  • account numbers and sort codes for your business accounts
  • personal details of all users of the service.

If you need support or further information on the FD Online service or application process, please contact the Digital Business Banking team via email at

You can also contact a Relationship Manager if you are a large enterprise that may qualify for this additional service or are interested in our commercial service and product offerings.

For general online banking enquires or account servicing queries, you can phone Business Account Support on +44 (0) 3457 213 213 Call charges apply

Ready to start using Financial Director Online?

There is a short application form required to apply for this service, but it only takes a few minutes to get started.

Application timeline

  • Within 3 business days


    Applications are generally processed in one to three business days of receipt.

  • Within 10 business days

    Set up

    We set up your system and personalisation and send your security token, delivery in five to ten days.

  • Need help using Financial Director Online?

    Take a look at the comprehensive user guide on how to manage your finances on the platform.

    View user guide

How we help protect you online

  • Online protection

    We use a range of measures to protect you online including fraud detection systems, verification codes, security tokens and a timed log out function in online banking.

    How we protect you

  • Fraud awareness

    Taking the time to be aware of common or current types of scams can help to keep you and your business safe against falling victim to fraud.

    Common fraud threats

  • Cyber security

    We work with third party organisations to provide customers with tools and tips to keep their business safe from cyber crime.

    A guide to cyber security

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.

Please read further information on the FSCS scheme here or visit their website.