Standard
No monthly fee
Our standard Current Account comes with useful features to help you manage your day to day banking.
Eligibility, terms and conditions apply.
Online banking
Log in to personal online banking
Register for personal online banking
Get guidance registering for online banking
Get support using online banking
Related queries
Check the status of our online services for personal and business banking.
Our bank accounts
Open a bank account online today with The Co-operative Bank.
-
Why choose us? With a unique customer-led Ethical Policy, created in 1992, we give you a say in how your money is used and stand up for the causes that matter to you. Join a bank that’s shaped by you.
Packaged
£18 a month
Get all the features of our standard Current Account, with helpful, added extras.
Eligibility, terms and conditions apply.
Exclusions and limitations apply to all benefits.
Basic
No monthly fee
An account for if you’re new to credit, rebuilding your score or do not yet have a credit history.
Eligibility, terms and conditions apply.
Ukrainian refugee account
No monthly fee
An account for Ukrainian refugees that offers all the features of our basic account.
Eligibility, terms and conditions apply.
Get £175 when you switch to us
Get £100 for switching your account to us. Get an extra £25 for up to three months when you actively use your account. Eligibility, criteria and T&Cs apply.
For every four eligible switches, we’ll donate to Refuge. This could help women and their children escaping abuse take their first step to safety.
Win up to £2,500
We’re offering cash prizes in collaboration with VISA when you pay with your debit card (including digital wallet purchases) until 30 November 2026. Subject to eligibility. T&Cs apply.
Account name
Monthly fees
Packaged bank account?
Overdraft available?
Find out more and apply
Account name Everyday Extra Account
Monthly fees £18 a month
Packaged bank account? Yes
Overdraft available? Yes (subject to status)
Find out more and apply Find out more about our Everyday Extra Account
Account name Current Account
Monthly fees £0 per month
Packaged bank account? No
Overdraft available? Yes (subject to status)
Find out more and apply Find out more about our Current Account
Account name Cashminder Account
Monthly fees £0 per month
Packaged bank account? No
Overdraft available? No overdraft available
Find out more and apply Find out more about our Cashminder Account
Need a joint account?
You can get our standard Current Account, Everyday Extra Account, and Cashminder Account as a joint account.
Current Account
Our standard Current Account
A standard no-fee current account with access to some exclusive savings accounts, and the option to apply for an overdraft. Manage your money in the usual ways including online banking and our mobile app.
Eligibility, T&Cs apply. Overdraft is subject to status.
Everyday Extra Account
Our packaged bank account with helpful, added extras
A packaged account for people who want extra. Get all the features of our standard Current Account, plus worldwide travel insurance, UK & European breakdown cover, and mobile phone insurance.
Eligibility, T&Cs apply. Exclusions and limitations apply to all benefits.
Student Account
New applications currently unavailable
We’re not accepting new student account applications at the moment. Already with us? Find account information on our Student Account page.
Cashminder Account
Our basic bank account for people who may have a low credit score or no credit history
A basic bank account with a debit card but no overdraft, for new customers who may not qualify for other kinds of account. Manage your cash in branch, through online banking and with our mobile app.
Eligibility, T&Cs apply.
Want access to exclusive savings accounts?
If you sign up to a current account with us, you’ll get access to some exclusive instant access savings accounts too.
| Regular Saver account 7% gross / AER variable (annually) |
Deposit £0 - £250 per calendar month. 12 month term. |
|---|
| Base Rate Tracker 1.25% - 3.50% gross / AER variable (annually) depending on your account balance - rates will reduce if the current account closes |
Interest rate tracks at a defined margin below the Bank of England base rate. |
| Online Cash ISA 2.06% tax-free / AER variable (annually) |
Deposit up to £20,000 per tax year. Available as sole accounts only. |
| Online Saver 2.06% gross / AER variable (annually). |
Start saving with as little as £1. Available as sole accounts only. |
Opening deposit is £1. Maximum balance is £1,000,000 (excluding Regular Saver).
View savings terms explained here.
Overdrafts for new and existing customers
If you’re thinking an overdraft might be beneficial for you as part of your account, but you aren’t sure where to start or whether you’re eligible — don’t worry, we have all the information you need to know when considering an overdraft. Including an eligibility checker, cost calculator, and information on overdraft types.
Switching
If you have an active current account with a different bank, you can apply to switch to us whenever you’re ready.
With the Current Account Switch Service, we’ll move all your Direct Debits, standing orders and bill payments to your new account with us. Once you've applied to switch, you do not need to do anything else as we take care of the rest.
You can choose what date you’d like to complete the switch and close your old account. Once the switch has started, it takes just seven business days to complete. And you'll be covered by the Current Account Switch Guarantee, so you do not need to worry about missing payments.
Some banks may reject a switch if you have linked products like savings pots, subscriptions, loans or business accounts. You can check with your current bank.
Looking for a previous switch incentive?
To view the terms and conditions of previous switch incentives and other offers, visit our offers terms and conditions page.
Before you apply
If you’re thinking about opening a current account with us, here you can find out:
How long your application takes, what information you need to apply, and eligibility criteria for a Co-operative Bank account
Whether an overdraft is right for you and how much they could cost
How the Current Account Switch Guarantee protects you and your money when you switch to us.
Understanding current accounts
Learn more about current accounts, how they work, and what they can be used for:
Learn more about current accounts
Learn more about bank account types
Learn more about bank accounts for people with poor credit history
General information
Existing customer support
Below you can find helpful information if you already have a current account with us:
If you're registered for online banking, you can upgrade to our Everyday Extra Account. Register for online banking here.
Find information on changing your overdraft limit on our overdrafts page.
Add a second account holder to an existing bank account. Contact us +44(0) 3457 212 212 (call charges)
Switch your bank account. Contact us +44(0) 3457 212 212 (call charges)
Get help with your current account
Existing customer support
Our service quality information
The Financial Conduct Authority requires us to publish information about our business current accounts. View our business current account service quality information.
Legal information
Apple Pay, Google Pay and Samsung Wallet
Apple Pay is a trademark of Apple Inc., registered in the US and other countries. Google Pay is a trademark of Google LLC. Samsung Wallet is a trademark of Samsung Electronics. Use only in accordance with the law. Compatible device required.
Disclaimers
The Co-operative Bank reserves the right to decline any application.
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.
The Co-operative Bank and smile are trading names of The Co-operative Bank p.l.c., which is a member of the Financial Services Compensation Scheme (FSCS).
Financial Services Compensation Scheme
Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. are protected up to a total of £120,000 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 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
Not found what you're looking for?
Contact our support team