Current Accounts
At the Co-operative Bank, we have always been driven by something different: an ethical approach to banking. That is why we are the only high street bank in the UK with a customer-led ethical policy.
Cashminder
- A basic bank account for people who may not qualify for other kinds of account
- No overdraft facility, cheque book or monthly account fee
- You cannot open a Cashminder if you already hold a Co-operative Bank or smile current account, unless you are in financial difficulty
Current Account
- Opt into Everyday Rewards and we could reward you, or a charity of your choice on your behalf, every month
- Manage your money using online banking and on the go with our mobile app
- No monthly-fee
Everyday Extra
- Includes Worldwide travel insurance, UK & European breakdown cover and mobile phone insurance
- You need to hold a Co-operative Bank Current Account or Current Account Plus to upgrade
- Just £15 per month
Student Account
Learn more
Not sure which account is for you?
Compare current accounts from the only high street bank that has a customer led ethical policy.
Need to apply for an overdraft?
If you've got an existing current account, you can apply for an overdraft, or make a change to an overdraft.
Switching made quick and easy
When you switch your current account to The Co-operative Bank, we do all the hard work.
- Direct Debits and standing orders are transferred automatically.
- Payments into and out of your old account are redirected.
- If there are any problems during the switch, we guarantee to cover you.
Independent service quality survey results
Personal current accounts
As part of a regulatory requirement, an independent survey was conducted to ask approximately 1000 customers of each of the 19 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
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Read our detailed personal current account service quality survey results.
The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found on our personal current account service quality information page.
Understanding current accounts
Learn more about our current accounts, how they work and what they can be used for.
What is a current account?
Find out what a current account is, how it works and what it can be used for.
Learn more about current accounts
What types of bank account are there?
Learn about the different types of bank account to help you make the right choice.
Learn more about bank account types
Can I get a bank account with poor credit history?
Find out how your credit history can affect getting a bank account and what your options are if you have poor credit history.
Learn more about bank accounts and credit historyWhether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy. We may be able to offer a product that's different to the one advertised.
smile, The Co-operative Bank and Britannia are trading names of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).
Financial Services Compensation Scheme
Your eligible deposits with 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 click here for further information or visit www.fscs.org.uk
Important information about our call charges
If you’re calling from the UK, calls to 0800 and 0808 numbers are free from landlines and mobiles; calls to 03 numbers cost the same as calls to numbers starting with 01 and 02; calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge; calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Charges for calls made outside of the UK will be determined by your local provider.
Calls may be monitored or recorded for security and training purposes.
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