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 - 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 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.
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Mobile phone insurance - from Lifestyle Services Group
Covers loss, theft, accidental damage, water damage and electrical or mechanical breakdown, anywhere in the world. A £75 excess is payable for every accepted claim and must be paid before your claim will be settled.
A Five Star Rated account
- Everyday Extra Current Account was awarded a Five Star Rating by Moneyfacts in their Packaged Current Account category.
Source: Moneyfacts - Packaged Current Account 2019
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
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
Help for existing customers
Help and information about how to downgrade and other
information about Everyday Extra Current Account.
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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
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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.
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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-operative 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.
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For emergency assistance, claims and policy queries, please call:
+44 (0)344 249 9981 (Call charges)
Financial Services Compensation Scheme
Your eligible deposits with The Co‑operative Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: The Co‑operative Bank, Britannia and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered. Please click here for further information or visit www.fscs.org.ukImportant 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)Important general account documents
Account charges
Download Account charges PDF (87KB)Terms and conditions
Download Terms and conditions PDF (202KB)Our lending commitments and what we ask of you
Download Our lending commitments and what we ask of you PDF (112KB)How we use your personal information
Download How we use your personal information PDF (622KB)Everyday Extra at a glance
Download Everyday Extra at a glance PDF (676KB)Overdraft Pre Contract Information
Download Overdraft Pre Contract Information PDF (876KB)Fee Information Document
Download Fee Information Document PDF (134KB)Glossary
Download Glossary PDF (129KB)Financial Services Compensation Scheme Information Sheet and Exclusion List
Download Financial Services Compensation Scheme Information Sheet and Exclusion List PDF (60KB)How do I upgrade via online banking
To upgrade to this product, you need to be registered for online banking. If you are not, go here to register. If you are, please follow the steps below.
- Log in to online banking
- Please select the 'list view' icon, next to the 'Your accounts' header
- Next to your current account information should be a 'learn more' button - click this to begin your application
- Please note, the visibility of the ‘learn more’ button is subject to status and based on additional eligibility criteria.
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).
Important information about our call charges
If you’re calling from the UK, calls to 0800 and 0808 numbers are free from landlines and mobiles; calls to 03 numbers cost the same as calls to numbers starting with 01 and 02; calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge; calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Charges for calls made outside of the UK will be determined by your local provider.
Calls may be monitored or recorded for security and training purposes.
Contact us
If you'd like more help & information, you can:
