Everyday Extra Current Account

With this account, you’ll get:

• 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.

  • For joint account holders who are not spouses or partners, cover is not provided for the spouse or partner of either account holder.
  • To find out more about this policy, including any limitations and exclusions, please read pages 5 - 11 of this policy document

  

• 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.

  • To find out more about this policy, including any limitations and exclusions, please read pages 4 - 9 of this policy document

  

• Mobile phone insurance - from Lifestyle Services Group

  Covers loss, theft, accidental damage, water damage and electrical or mechanical breakdown, anywhere in the world. No excess is payable for claims made before 16th July 2018, after which a £75 excess is payable for every accepted claim and must be paid before your claim will be settled.

  • To find out more about this policy, including any limitations and exclusions, please read pages 3 -5 of this policy document

  

A 5-star account

• Everyday Extra Current Account was awarded a 5-star rating by Moneyfacts in their Packaged Current Account category

  Source: Moneyfacts - Packaged Current Account 2018

  

• A sole Everyday Extra account cannot be converted to a joint account after you have upgraded. To upgrade to a joint Everyday Extra account, you will need to have a joint current account before applying to upgrade.

• What is Everyday Rewards? Can I opt in to it?

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  This is a scheme you can opt into at no extra cost, which rewards you for Everyday Banking each month.

  Be rewarded up to £5.50 a month

  • £4 for each month if you qualify
  • Up to a maximum of £1.50 extra for debit card spending each month you qualify. If you meet the criteria below, you’ll be rewarded an extra 5p every time you use your debit card to pay for things.
  • No extra cost for opting in to Everyday Rewards

  To qualify you need to do the following in a calendar month

  • Pay in a minimum of £800 to the nominated account.

    • Transfers from other Co-operative Bank, Britannia and smile accounts do not count.
  • Stay in credit, or within your agreed arranged overdraft limit on the nominated account.
  • Log in to Online Banking or the Mobile Banking app at least once during the month.
  • Remain opted in for Paperless Statements on your nominated account.
  • Pay out at least four Direct Debits from your nominated account.

  • If you do not meet all of the qualifying criteria above in any month — for example, if you pay less than £800 into your nominated account in July — you won't earn Rewards for that month.
  • You can only earn Everyday Rewards on one account at a time.

  How to opt in to Everyday Rewards

  Once you apply for your current account you will be able to opt into Everyday Rewards through online banking.

• Joint Everyday Extra Current Account

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  How does an Everyday Extra joint account work?

  You will both be covered, independently, for these benefits:

  • Worldwide travel insurance
  • UK & European breakdown cover
  • Mobile phone insurance

  • For joint account holders who are not spouses or partners, cover is not provided for the spouse or partner of either account holder.

  Do you already have a sole Co-op Bank Current Account?

  You’ll need to convert your current account to a joint account - by using this form - before applying to upgrade for a joint Everyday Extra Current Account. Please note, after converting you’ll both still need to meet our eligibility criteria to upgrade.

• Need to make a claim?

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  For emergency assistance, claims and policy queries, please call:

  +44 (0)344 249 9981 (Call charges)