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.
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- Switch your current account to us online in just seven working days - we'll cover you if anything goes wrong.
- Opt into our Everyday Rewards and we could reward you, or a charity on your behalf, every month.
- Manage your money using online and mobile banking.
To apply, you need to be:
- Aged 16 or over, or 18 or over when requesting the optional overdraft.
- An EU resident.
Approval is based on a credit check, an assessment of your personal circumstances and is subject to status.
Ready to apply?
It takes about 10 minutes to complete if you've got all your details to hand.
Please read the important documents below, and save copies of them for future reference.
Learn more about our Current Account
Important documents
Account charges
Download Account charges PDF (87KB)Terms and conditions
Download Terms and conditions PDF (202KB)Our lending commitments and what we ask of you
Download Our lending commitments and what we ask of you PDF (112KB)How we use your personal information
Download How we use your personal information PDF (622KB)Overdraft pre contract information
Download Overdraft pre contract information PDF (876KB)Fee Information Document
Download Fee Information Document PDF (227KB)Glossary
Download Glossary PDF (129KB)Financial Services Compensation Scheme Information Sheet and Exclusion List
Download Financial Services Compensation Scheme Information Sheet and Exclusion List PDF (60KB)
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- No overdraft facility, cheque book or monthly account fee.
- Available as a joint account.
- You cannot open a Cashminder if you already hold a Co-operative Bank or smile current account, unless you are in financial difficulty.
To apply, you need to be:
- Aged 16 or over.
- An EU resident
Ready to apply?
Please read the Important Document below, and save copies of them for future reference.
Download the application pack, complete it and post it back to us
Cashminder application pack
Download Cashminder application pack PDF (168KB)Once you have completed all sections of the application form and signed it, please return it along with the appropriate proof of identity and address to:
The Co-operative Bank plc
PO Box 638
Salford
M5 0JQ
To request an application pack call us on:
+44(0)3457 212 212
Lines open
8am - 8pm, 7 days a week
Important information about our call charges
Alternatively, visit us in branch
Learn more about our Cashminder Account
Important documents
Account charges
Download Account charges PDF (552KB)Terms and conditions
Download Terms and conditions PDF (204KB)How we use your personal information
Download How we use your personal information PDF (622KB)Fee Information Document
Download Fee Information Document PDF (124KB)Glossary
Download Glossary PDF (129KB)Financial Services Compensation Scheme Information Sheet and Exclusion List
Download Financial Services Compensation Scheme Information Sheet and Exclusion List PDF (3571kb)
For existing customers
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Worldwide travel insurance - from AXA Travel Insurance
Provides cover for the family, including dependent children up to 22 years old, with no excesses payable on claims.
- Exclusions and limitations apply. Please see the Worldwide Travel Insurance Policy Document
- For joint account holders who are not spouses or partners, cover is not provided for the spouse or partner of either account holder.
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UK & European breakdown cover - from RAC
Covers assistance at the roadside, at home and in Europe. The account holder is covered for any vehicle they are travelling in.
- Exclusions and limitations apply. Please see the UK & European Breakdown Cover Policy Document.
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Mobile phone insurance - from Lifestyle Services Group
Covers loss, theft, accidental damage, water damage and electrical or mechanical breakdown, anywhere in the world. A £75 excess is payable for every accepted claim and must be paid before your claim will be settled.
- Exclusions and limitations apply. Please see the Mobile Phone Insurance Policy Document.
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And this account has a Five Star Rating from Moneyfacts
Source: Moneyfacts - 2019
Policy documents
Worldwide Travel Insurance Policy Document
Download Worldwide Travel Insurance Policy Document PDF (784KB)UK & European Breakdown Cover Policy Document
Download UK & European Breakdown Cover Policy Document PDF (1.16MB)Mobile Phone Insurance Policy Document
Download Mobile Phone Insurance Policy Document PDF (832KB)Insurance Product Information Document (Mobile phone, Travel & Breakdown)
Download Insurance Product Information Document (Mobile phone, Travel & Breakdown) PDF (466KB)Fee Information Document
Download Fee Information Document PDF (133KB)Glossary
Download Glossary PDF (129KB)Financial Services Compensation Scheme Information Sheet and Exclusion List
Download Financial Services Compensation Scheme Information Sheet and Exclusion List PDF (60KB) -
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 customers of the 16 largest personal current account providers if they would recommend their provider to friends and family.
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.
Our service quality information
The Financial Conduct Authority requires us to publish information about our personal current accounts. View our personal current account service quality information.Whether 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).
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.
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
Contact us
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