Important information
Who regulates you?
The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937.
The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885). Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.
Standards of Lending Practice
Standards of Lending Practice is a voluntary code that sets standards for good lending practice that all of its members have to meet. That way you can be sure we're doing things in your best interests.
The documents below contain further information on our lending commitments and what we ask of you:
Personal customer information:
Our Lending Commitments and what we ask of you
Business customer information:
Our Commitments to our business customers and what we ask of you
Further information on the Standards of Lending Practice is available on the Lending Standards Board website.
The Money Advice Service
The Co-operative Bank, Platform, smile and Britannia are trading names of The Co-operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937.
The Co-operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No.121885). Credit facilities are provided by The Co-operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co-operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.
The Money Advice Service has impartial information and tools to help you when budgeting, borrowing money, taking out a mortgage or opening a savings account.
For more information please visit www.moneyadviceservice.org.uk, or call The Money Advice Service helpline on +44(0)300 500 5000 (Call Charges).
How do I give you feedback or make a complaint?
Your opinion is very important to us. Listening to your views helps us grow as a company and stay on track with what you, our customers, want.
Or if we get something wrong, you may need to make a complaint. Be assured that we treat all complaints seriously and promise to deal with them fairly and promptly, and in many cases we'll resolve them right away.
Coronavirus risk assessment
The Co-operative Bank has complied with the Government's guidance on managing the risk of coronavirus (COVID-19). We have compiled a comprehensive risk assessment that identifies the risks, and outlines the controls we’ve put in place to manage those risks effectively, for the safety of our customers and colleagues.
Coronavirus (Covid-19) risk assessment summary
How do you protect my information?
The privacy of Co-operative Bank customers is very important to us, and how we deal with personal information is outlined in our terms and conditions. We hope the way in which we gather and use your personal information addresses and respects any concerns you may have:
We will only use the personal information we gather:
- in the normal course of our business to provide the products and services you have requested
- to identify you when you contact us
- to determine if we can offer you a better service or more relevant products
- to send you e-mail updates of service changes which are important to you or which we feel may be of interest to you
- for credit assessment, to review the conduct of and to administer/operate your accounts
- for statistical analysis, including automated techniques (e.g. behaviour and credit scoring) and to monitor and analyse our business
We will disclose your personal information only to:
- our agents and sub-contractors to administer and operate your account or to conduct our business
- the insurer of any payment or card protection cover which you take out in connection with your account
- our licensed credit reference agency who may keep a record of any search we make and your personal information may be shared with and used by other lenders in assessing applications from you or members of your household
- any person to whom we transfer our rights or obligations under this agreement
- for debt tracing or fraud prevention
- to help desk advisers, minicom / typetalk operators or their equivalent
- if required or compelled to do so by law
Our disclaimer
The Bank has taken the greatest of care to ensure the accuracy of the contents of this website, but cannot accept responsibility (to the extent permitted by law) for any inaccuracies, omissions, or errors whether in respect of the information provided on the Bank's website or on any to which the Bank's website may be linked. The Co-operative Bank p.l.c. (the "Bank") is a United Kingdom bank and its products are only available in the United Kingdom (including the Channel Islands and the Isle of Man) to United Kingdom residents.
The information on this website may only be used by UK residents and expatriates for their own purposes. Permission must be obtained from the Bank for any other use.
The Bank reserves the right to decline any application and/or deposit
Important information about our call charges
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.
Contact us
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