A basic account for people who may not qualify for other kinds of current account.

  • You cannot open a Cashminder if you already hold a Co-operative Bank or smile current account, unless you are in financial difficulty.

  • No overdraft facility, cheque book or monthly charge.
  • Available as a joint account.
  • No monthly fee account, meaning you don't get charged for opening this account.
  • Switch your current account to us in 7 days.


    Direct Debits will be automatically transferred and payments into and out of your old account will be redirected.

    More about switching

our current accounts are covered under the Current Account Switch Guarantee

To apply, you need to be:

  • Aged 16 or over.
  • An EU resident.

Approval is based on an assessment of your personal circumstances. We may use Credit Reference Searches to validate your information.

Ready to apply?

Please read the important documents below, and save copies of them for future reference.

Download the application pack and post it back to us

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


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

Use our branch locator to find your nearest branch

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.

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 more information