Current Account

Our no monthly fee bank account with the option to apply for an overdraft.

Check eligibility

A current account gives you access to the features and benefits needed to manage day to day banking. You can check and manage your balance, pay bills, make purchases online or in-store and more. It also offers a safe place to get your money paid into.

Applying for a bank account online is easy. Make sure to check your eligibility before starting your application.

  • Switch your account to us online in just seven working days - we'll cover you if anything goes wrong.
  • Apply for an overdraft as part of your application or once your account is opened - please read our overdraft information whether you're intending to apply for one or not.
    • Approval for the overdraft is based on a credit check and an assessment of your personal circumstances. You'll be charged debit interest on your overdraft balance.
  • Manage your money using online banking and on the go with our mobile banking app.
  • Check your eligibility and apply online in 10 minutes.
  • Pay for purchases with a contactless debit card and on your phone with Apple Pay, Google Pay and Samsung Pay.
  • Opt-in to Everyday Rewards and we could reward you, or a charity on your behalf, every month.
Best current account Moneyfacts award our current accounts are covered under the Current Account Switch Guarantee

With a Co-operative Bank current account, you get:

Visa debit card

A Visa Debit Card

Online banking

Access to online and mobile banking


Use of Apple Pay / Google Pay / Samsung Pay

To apply, you need to be:

  • Aged 16 or over, or 18 or over when requesting the optional overdraft.
  • A UK resident

Approval is based on a credit check, an assessment of your personal circumstances and is subject to status.

Before you apply

Please make sure you've read our overdrafts information

Everyone applying for a current account should read how our overdraft works and what happens if you don't arrange an overdraft.

Check your eligibility for an overdraft

You can check if you are likely to get accepted for an overdraft using our eligibility checker.

Calculate how much an overdraft will cost

Calculate the cost of an overdraft based on how you might use it with our overdraft calculator.

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.

Apply now

Applying as part of the Refer a Friend Offer? Click here to read the full Terms & Conditions before applying.

Important documents

Please read the Important Documents below and save copies of them for future reference.

Help for existing customers

Help and information about current accounts for our existing current account customers.

Learn more

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.

More about overdrafts

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).

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