Overdraft support for personal current account customers
The annual rate of interest applicable to any arranged/unarranged overdraft is 35.9%, with the exception of any interest free overdraft amount applicable if you hold a Privilege, Privilege Premier, Student or smilemore account, as set out in your Overdraft Terms and Conditions.
If you require support due to the financial impacts of Coronavirus, you can apply for an interest waiver.
Overdraft calculator
This tool will help you to understand what you’ll be charged when you use an overdraft. We’ll calculate how much interest you might pay on an arranged and/or unarranged overdraft.

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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.ukContact us
If you'd like more help & information, you can:
