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Everyday Extra Current Account

It’s just like a regular current account. But you also get worldwide travel insurance, UK & European breakdown cover, and mobile phone insurance for only £15 a month.

Plus, joint account customers will both be covered - independently - for the same price.


With this account, you'll get:

Worldwide travel insurance provided by AXA

UK and European breakdown cover from RAC

mobile phone insurance from lsg


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

This account has been rated by Money Facts as 5 star for 2018


  • Which? have chosen us as a Recommended Provider for Current Accounts.

    Source: Which? 2018

which recommended current account provider logo


To upgrade to an Everyday Extra Current Account, you need to:

  • Be between 18 and 79 years old.
  • Meet the UK residency eligibility criteria for the insurance benefits (which excludes the Channel Islands and the Isle of Man).
  • Hold a Co-operative Bank Current Account or Current Account Plus
  • Have registered for online banking with us
  • Approval is based on an assessment of your personal circumstances and is subject to status and additional eligibility criteria.

Please note, you can’t upgrade to Everyday Extra Current Account if:

  • You are currently using an unarranged overdraft.
  • You have an existing Everyday Extra, Privilege Premier, Privilege, smilemore or Credit Card Plus account with The Co-operative Bank.
  • You have another account with another provider which includes similar benefits (like travel insurance, motor breakdown cover and mobile phone insurance).
  • You have equivalent standalone travel insurance, motor breakdown cover and mobile phone insurance in place, please ensure you have reviewed the policies and are happy to proceed.
  • You are using the £200 overdraft limit for Current Account Plus. However, you will be eligible to upgrade if you are within any agreed arranged overdraft limit with us.

Ready to upgrade?

Log in to online banking to see if you’re eligible.

How do I upgrade via online banking?
  • 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.

Not quite the account for you?

Explore our other current accounts

Learn more


Help for existing customers

Help and information about how to downgrade and other

information about Everyday Extra Current Account.

Learn more


Important policy documents

Worldwide Travel Insurance Policy Document

Download Worldwide Travel Insurance Policy Document PDF (784KB)

UK & European Breakdown Cover Policy Document

Download UK & European Breakdown Cover Policy Document PDF (1.16MB)

Mobile Phone Insurance Policy Document

Download Mobile Phone Insurance Policy Document PDF (832KB)

Insurance Product Information Document (Mobile phone, Travel & Breakdown)

Download Insurance Product Information Document (Mobile phone, Travel & Breakdown) PDF (466KB)

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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Financial Services Compensation Scheme more information