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Opt in to Everyday Rewards to make the most of your account.
Learn more about Everyday Rewards - No monthly fee account, meaning you don't get charged for opening this account.
- Five Star Rated performance.
Moneyfacts, an independent financial comparison site, gave this current account a Five Star Rating.
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.
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- No monthly fee account, meaning you don't get charged for opening this account.
- No overcharge facility, cheque book or monthly account fee.
- You cannot open a Cashminder if you already hold a Co-operative Bank or smile current account, unless you are in financial difficulty.
To apply, you need to be:
- Aged 16 or over
- An EU resident.
Approval is based on a credit check, an assessment of your personal circumstances and is subject to status.
For existing customers
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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.
- Exclusions and limitations apply. Please see the Worldwide Travel Insurance Policy Document.
- For joint account holders who are not spouses or partners, cover is not provided for the spouse or partner of either account holder.
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UK & European breakdown cover - from RAC
Covers assistance at the roadside, at home and in Europe. Account holders are covered for any vehicle they are travelling in.
- Exclusions and limitations apply. Please see the UK & European Breakdown Cover Policy Document.
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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.
- Exclusions and limitations apply. Please see the Mobile Phone Insurance Policy Document.
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And this account has a Five Star Rating from Moneyfacts
Source: Moneyfacts - 2019
Learn morePolicy 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)Fee Information Document
Download Fee Information Document PDF (226KB)Glossary
Download Glossary PDF (129KB)Insurance Product Information Document (Mobile phone, Travel & Breakdown)
Download Insurance Product Information Document (Mobile phone, Travel & Breakdown) PDF (466KB) -
Apply for a joint bank account
Having a joint bank account can be an ideal way for two people to manage their expenses.
You can still keep your own separate current accounts. But you’ll also have a shared account for other expenses, like covering rent/mortgage payments and utility bills.
- Get two debit cards for easy access.
- Manage your account using online banking.
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Request an overdraft.
- Overdraft not available on Cashminder.
- Approval for the overdraft is based on a credit check and an assessment of your personal circumstances.
- Just remember you are both responsible for any debts on the joint account – such as an overdraft.
Switching made quick and easy
When you switch your current account from your current bank or building society, we do all the hard work for you.
- Direct Debits and standing orders are transferred automatically.
- Payments into and out of your old account are redirected.
- If there are any problems, we'll guarantee to cover you.
Help for existing customers
Help and information about current accounts for our existing customers.
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.ukThe 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).
Contact us
If you'd like more help & information, you can:
