The Everyday Extra account, from the original ethical bank, has all the features of our Current Account, and for a fee of £15 a month you also get:
Provides cover for you, your spouse or partner (if you are travelling with them) and dependent children up to 22 years even when travelling independently, with no excesses to pay 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.
Find out more about this policy, including any limitations and exclusions.
We can give you up-to-date information on visa and entry, vaccinations, time zones and weather forecasts before you travel to your destination.
We’ll help to find your lost luggage and we'll provide regular updates.
We can help to arrange airport transfers, hire cars, hotels and event tickets.
We’ll cover expenses if you miss a flight due to public transport failure in the UK, a vehicle breakdown or reported road closures.
We’ll pay for the replacement of clothing, medication and toiletries if your luggage is temporarily lost during the outward journey and not returned within 12 hours.
If you have an accident during your trip which causes a permanent disability or results in your death, we'll pay you or your legal representative £25,000.
We’ll contribute towards the cost of accidental loss of, theft of, or damage to your own ski or golf equipment.
If you shoot a hole-in-one during a golf game on your trip, we'll pay up to £250 towards your bar expenses.
If you take your cat or dog on a trip to Europe with you, we’ll contribute towards vet bills if they fall ill and pay for local advertisements if they are lost.
For a full picture of what's covered, and what's excluded from these policies, please read through the policy documents below.
Covers assistance at the roadside, at home and in Europe. The account holder is covered for any vehicle they are travelling in.
Find out more about this policy, including any limitations and exclusions.
We'll pay for manual car hire for up to 3 days whilst your vehicle is being repaired.
If you’re stranded on a public highway, we’ll send out an RAC patrol to help you. We’ll try to repair your vehicle at the roadside, but can arrange further transportation if you need it.
We’ll pay up to £30 per account holder per day towards any accommodation that’s needed while you wait for your vehicle to be repaired.
For a full picture of what's covered, and what's excluded from these policies, please read through the policy documents below.
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.
Find out more about this policy, including limitation and exclusions
Your mobile phone and SIM card are covered up to the value of £1,500 if they are lost, stolen or damaged - anywhere in the world.
We'll cover the cost of any calls, texts or data that is used when your phone is lost or stolen.
If your accessories (including headphones) are lost, stolen or damaged along with your mobile phone, we’ll cover up to £350 of the cost.
For a full picture of what's covered, and what's excluded from these policies, please read through the policy documents below.
If you're applying for an Everyday Extra account, read about unarranged overdrafts.
You can check if you are likely to get accepted for an overdraft using our eligibility checker.
Calculate the cost of an overdraft based on how you might use it with our overdraft calculator.
It will take up to 15-20 minutes to complete this application.
You must read the important documents below and save for future reference.
To upgrade to a joint Everyday Extra account, you will need to have a joint current account before applying to upgrade.
Log into online banking to see if you're eligible
To upgrade to this product, you need to be registered for online banking. If not, go here to register. If you are, please follow the next steps:
Please note, the visibility of the learn more button is subject to status and base on additional eligibility criteria.
For emergency assistance, claims and policy queries call us on
General enquiries
Lines are open Monday to Friday, 9am to 5pm. Saturday and Sunday, 9am to 6pm.
Breakdown and Medical Emergencies
Lines available 24/7
Lines are available from both the UK and abroad.
Opt-in at no extra cost to get rewards of up to £5 a month for making everyday use of your current account
Qualify by doing simple things like staying in credit, paying in £800 a month, using your debit card and logging into online banking every month.
Find out more about Everyday Rewards
You will both be covered, independently, for these benefits:
For joint account holders who are not spouses or partners, cover is not provided for the spouse or partner of either account holder.
Use this form to convert your current account to a joint account 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.
A sole Everyday Extra account cannot be converted to a joint account after the account has been opened.
Overdrafts are intended for short term borrowing and not suitable for long term borrowing.
An arranged overdraft is a set amount you've agreed with us in advance. You will be charged debit interest when you use your arranged overdraft.
You'll go into an unarranged overdraft if you go over your arranged limit or your account balance falls below £0 without an arranged overdraft in place. You will be charged debit interest for going into an unarranged overdraft.
Your payments might be refused if you try to go overdrawn without having arranged an overdraft.
Any type of borrowing shows on your credit file. However, an unarranged overdraft shows as arrears which can negatively impact your credit file and may make it harder for you to obtain credit in the future.
You will be charged debit interest when you enter into an arranged and/or unarranged overdraft at an annual interest rate of 35.9%.
More information on account charges
You can find out more about our overdrafts, including how to apply for a new limit, or change an overdraft limit you already have, by visiting our overdrafts page. You must make regular payments into your account to reduce the amount you owe.
If you already have an arranged overdraft limit with us, which you'd like to remove, you can do this by contacting us.
To help manage your money and avoid/minimise debit interest you might pay, we send overdraft text alerts if you go into or you're about to go into an arranged or unarranged overdraft. We will also send alerts if you have payments due that may not be paid.
As long as we have your mobile number, you'll be automatically opted in for overdraft text alerts. You can opt out of arranged and/or unarranged overdraft alerts at any time by contacting us.
More information on overdraft text alerts
Approval is based on a credit check, an assessment of your personal circumstances and is subject to status.
Find out more about our overdrafts
The representative APR provided can enable you to compare the costs across different products and providers.
As an example, the interest cost of borrowing £500 is:
7 days
£2.98
30 days
£12.76
60 days
£25.66
This is based on borrowing £500 on the first day of our charging period and assumes this overdrawn balance remains until it is repaid at the end of 7, 30 or 60 days. This example does not include any interest-free amounts that are provided on some accounts.
You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time.
There is a monthly fee of £15 for maintaining this account, which provides you with worldwide travel insurance, UK & European breakdown cover and mobile phone insurance.
You'll be charged debit interest at an annual interest rate of 35.9% on the amount you're overdrawn by.
We have a £60 cap on interest for any type of overdraft (arranged overdraft or unarranged overdraft) in one charging period. This means the maximum you will ever pay for using an overdraft per charging period
The monthly cap refers to the charges applied in a charging period not a calendar month. Please refer to the Account Charges Leaflet for details of the charging periods.
Below is a standard definition to allow you to compare unarranged overdraft charges across different providers. Fees are included in the comparison, but we choose not to charge you fees for payments where you have a lack of funds.
Each current account will set a monthly maximum charge for:
a) going overdrawn when you have not arranged an overdraft
b) going over or past your arranged overdraft limit (if you have one)
This cap covers any:
a) interest and fees for going over or past your arranged overdraft limit
b) fees for each payment your bank allows despite lack of funds
c) fees for each payment your bank refuses due to lack of funds
There are other charges, including:
You can apply to switch your account to us from a different bank. All your direct debits, standing orders, bills and payments will move to your new account with us. Once you've applied to switch, you don't need to do anything else.
Switching can only be requested for this account once it is open. Switching takes 7 working days. You're covered by the Switch Guarantee, so you don't need to worry about missed payments.
Worldwide Travel Insurance Policy Document (PDF)
UK & European Breakdown Cover Policy Document (PDF)
Mobile Phone Insurance Policy Document (PDF)
Insurance Product Information Document (Mobile phone, Travel & Breakdown) (PDF)
Everyday Extra at a glance (PDF)
Our lending commitments and what we ask of you (PDF)
How we use your personal information (PDF)
Overdraft Pre Contract Information (PDF)
Fee information Document (PDF)
Financial Services Compensation Scheme Information Sheet and Exclusion List (PDF)
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).
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.
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.
If you'd like more help & information, you can: