Current Account

Our five-star rated, no monthly fee bank account with the option to apply for an overdraft.

Check eligibility

Learn more about current account

  • Switch your account to us online in just seven working days - we'll cover you if anything goes wrong.
  • 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.
  • Choose to apply for an arranged overdraft during your application or once your account has been opened.
    • 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.

Our current accounts have been awarded a Five Star Rating by Moneyfacts for 2019

our current accounts are covered under the Current Account Switch Guarantee

Moneywise most trusted mainstream bank

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.
  • 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.

Apply now

Help for existing customers

Help and information about current accounts for our existing customers.

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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