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The original ethical bank
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Highly rated on Trustpilot
We are rated Great on Trustpilot.
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Manage your money on-the-go
You can use our online banking services and mobile app to manage your daily banking.
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Have customer support
Our support agents are on hand to support you via online banking, the phone or social media.
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Apply for an overdraft
You can apply for an overdraft as part of your account application, or once your account is opened. Overdraft subject to status.
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Receive our fraud guarantee
Because keeping your money safe is one of our top priorities.
Included in your switch:
- your account balance (as long as you’re not overdrawn)
- regular outgoings such as Direct Debits and standing order
- regular income such as your salary, pension or benefits payments
- your saved payees so you will not need to set these up again
- updates on the progress of your account switch
- a safety redirect so that any payments accidentally made to your old account will be automatically redirected to your new account
Not included in your switch:
- if you require an arranged overdraft, it will need to be in place before you switch. Approval for an overdraft is based on a credit check and assessment of your personal circumstances
- bills or payments that you have set up using your debit card (you’ll just need to give them your new debit card details)
- mobile payments like Apple Pay, Google Wallet and Samsung Wallet
- your other accounts such as savings, credit cards or loans
- your Open Banking services - you’ll need to contact your third party provider to set this back up
- your transaction history and statements (download this before making the switch)
Difference between a full switch and a partial switch
If you want to keep your old account open and you’re happy to manage your payments yourself, you can make use of a partial switch.
You need to complete a full switch to benefit from our switching offers.
When you do a full switch:
- Your old account will be closed
- Any remaining balance will be transferred to your new account
- All your regular outgoing and incoming payments will be transferred to your new account
- Any one-off payments you receive into your old account will be redirected to your new account with us
- You will be covered if there are any problems, including if there are any fees or charges
- You can select a switch date, and the switch takes seven business days once it’s started.
When you do a partial switch:
- Your old account will remain open
- Any remaining balance won’t be transferred to your new account
- You can choose to transfer all or some of your regular payments to your new account
- Any one-off payments you receive into your old account will not be redirected
- You will not be covered if there are any problems, including if there are any fees or charges
- You can select a switch date, once chosen this will take seven business days to complete.
Switching a joint account
You can switch a joint account as long as both people agree to do so.
You cannot switch from a joint account to a sole account. You can only switch from a sole account to sole account, sole account to joint account or from a joint account to joint account.
Open Banking
Your Open Banking services and permissions won’t transfer with your switch. If you have any set up on your old account which you’d like to continue using:
- Before you switch, check which third party providers (TPPs) you have active permissions set up with on your old account. After you’ve switched, contact the TPPs you had active permissions set up with to give them your new account details. We may not support your TPP as we only work with TPPs that have been certified by the Financial Conduct Authority (FCA).
- Open Banking services involve allowing TPPs to make payments on your behalf, and to access your financial data. Examples of TPPs include financial comparison websites, money management apps and payment services.
Steps to switching
The Current Account Switch Service makes switching simple, smooth and universal. Your incoming and outgoing payments will be transferred automatically, and if you do a full switch, you’ll be covered by the Current Account Switch Guarantee; as displayed in the switching guide.
The service is free to use and you can choose and agree your switch date with us. Once the switch has started, it takes just seven business days to complete.
What happens during a full switch?
Day 1 to 2
The Switch Service will check if the switch can go ahead.
Day 3 to 5
We’ll move all your regular payments to your new account.
Day 6 to 7
We’ll transfer your bank account balance, your old account will be closed and we’ll let you know that the switch is complete.
How does the switch work?
Watch the Current Account Switch Guarantee’s video to find out about the simple steps to switching.
Find out more on the Current Account Switch Service’s checklist (PDF).
Apply to switch
You can apply to switch to us as part of your Standard Current Account application or apply to switch once your account is open.
New to The Co-operative Bank
If you do not yet have a current account with us, you can apply for our Standard Current Account and switch as part of the application.
You can also switch once your account is open using the online switch form.
Already have an account with us
If you have already set up a Co-operative Bank standard Current Account, Everyday Extra, Cashminder or student bank account, you can complete our online switch form.
What you'll need
Your Co-operative Bank sort code and account number
Your old sort code and account number for the account you’re switching from
Your old debit card details for the account you’re switching from
Make sure you give us all of these details or the switch may fail and you’ll need to phone us to complete your switch instead.
Some banks may reject a switch if you have linked products like savings pots, subscriptions, loans or business accounts. For more information, check with your current bank.
Make sure you enter your debit card details on your switch form or we'll need to contact you, which may cause a delay in your account switch.
Please read the relevant switching guide below, and save copies for future reference.
Alternatively, you can call us to switch.
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Read the switching guide (PDF) for more information.
Looking for a previous switch incentive?
To view the Terms and Conditions of previous switch incentives and other offers, visit our Offers terms and conditions page.
Apple Pay is a trademark of Apple Inc., registered in the US, and other countries. Google Pay is a trademark of Google LLC. Samsung Wallet is a trademark of Samsung Electronics. Use only in accordance with the law. Compatible device required.
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