Switching current accounts

Switching with an overdraft or overdrawn balances

You can still switch your account if you're overdrawn, but overdrawn balances are not transferred as part of a switch.

If you require an overdraft as part of your switch, you will need to have this in place before you proceed with your switch as approval for the overdraft is based on a credit check and assessment of your personal circumstances.

You can still switch your account if you’re overdrawn. It is your responsibility to pay off any overdrawn balance including any fees or charges on your old account. You can do this by using available funds or, if you have applied and been accepted, an overdraft with ourselves. Debit balances are not transferred.

The Current Account Switch Guarantee

The Current Account Switch Guarantee means you don’t need to worry about missing bill payments or having to redirect Direct Debits.

  • 7 working days to switch.

    It normally takes just 7 working days to complete the switch over. During that period, you’ll be able to use your new account as you would normally.

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All you need to do

When you apply, you just need to let us know:

  • Your old account details.
  • The date you want to start the switch process.
  • Your old debit card details (please have this information available).

We do the rest:

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Payments are transferred automatically

All your Direct Debits, standing orders and bill payments will be automatically transferred.

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Payments are redirected

Any payments into your old account will be redirected to your new account.

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If there are any problems, we guarantee to cover you

If anything does go wrong, we guarantee to sort it out for you and cover any losses you might incur. This is the Current Account Switch Guarantee.

You can keep your old account open, but you won't be covered by the guarantee

You can choose to keep your old account open if you want. However, the Switch Guarantee will then be void.

  • If you keep your old account open, we will not cover the costs associated with missed payments.

Other things you may want to do

  • Tell your friends and family that you've changed your account details.
  • Update your card or bank details on websites you regularly buy from.

Switching Third Party Providers (TPP) Open Banking

We allow you to give TPPs (such as financial comparison websites, money management apps and payment services) the ability to make payments on your behalf, and to access your financial data.
If you could do this with your old account, there are a couple of simple things you’ll need to do once you switch to us.

  1. Before you close your old account, check whether you have any TPP permissions set up and if so, who with.
  2. Permissions to TPPs to access services on your account won't be transferred as part of the Current Account Switch Service. Once your new account is open you can give your permission to the TPPs to access your new account by providing them with your new account details. You will need to contact the TPPs directly yourself to set this up.
  3. If you had set up any Standing Orders on your old account via a TPP then we will ensure that any of these payments due to be made after the switch is complete will still be made. In cases where we cannot match the payment frequency of your existing Standing Order mandate, we will contact you to agree alternative arrangements.
Please note: we only allow access to TPPs that are authorised by law to provide their services, so there’s a chance that your current TPP may not be supported to access Co-operative Bank accounts. Our terms and conditions provide more information about TPPs.


New Customers

Find the right current account for you and request to switch during the application process.

View current accounts

Existing customers

You can still switch your old bank account to us by calling us on:

+44(0) 3457 212 212

Lines open

8am - 8pm, 7 days a week

Important information about our call charges

Alternatively, visit us in branch

Use our branch locator to find your nearest branch

Important documents