Important Cookie Information
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To give you the best possible experience, this site uses cookies and by continuing to use the site you agree that we can save them on your device. Cookies are small text files which are placed on your computer and which remember your preferences/some details of your visit. Our cookies don’t collect personal information. For more information, please read our updated privacy and cookie policy, which also explains how to disable cookies if you wish to.

To give you the best possible experience, this site uses cookies. Read more...

By continuing to use the site you agree that we can save them on your device. Cookies are small text files which are placed on your computer and which remember your preferences/some details of your visit. Our cookies don’t collect personal information. For more information, please read our updated privacy and cookie policy, which also explains how to disable cookies if you wish to.

Cookie Policy


The privacy of 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.

For full details of how your information may be used for credit reference and fraud prevention purposes by The Co-operative Bank and the Credit Reference Agencies please read our guide on personal data.

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 (eg 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


Cookies are small pieces of information sent to your computer or browsing device when you access a website. These files are not computer programmes and cannot be used to cause damage to your computer. They are often essential to helping us provide you with a good on-line experience. Some areas of the site may not function correctly without the use of cookies.

we will not use cookies to:

  • store personal information on your hard drive
  • send personal information to 3rd parties

By accessing this website, you agree that we can place cookies on your device. You can disable cookies completely by changing your browser settings; however some areas of the site will not be accessible or may not function properly. You will not be able to access internet banking if cookies are disabled.

Cookie Types

Session Cookies

This type of cookie is only active during the time you are using the website. As soon as you leave the site, it is deleted from your device or browser cache memory. Typical uses for these cookies include:

Completing forms

When you enter details on a form a cookie will be used to store the information you enter. If you then go back to a previous page, the cookie will remember the data you have entered so that you don’t have to enter this again.

Persistent Cookies

These are cookies that will remain on your device after you have left the site or closed your web browser. They are typically used to remember settings.

Third party Cookies

We have carefully selected other companies to work with in order to give the best service to our customers. Like most websites, we use 3rd party companies to provide analytics software. We use these as they are able to provide specialist software that would be expensive for us to develop ourselves.

These companies use cookies to provide us with information about how people use our site. This information is completely anonymous and is only used to improve our website.

Our website uses the following 3rd parties’ cookies for analytics purposes:

  • Adobe Analytics
  • Crazy Egg

Some of the above tools e.g. Crazy Egg will have a policy to use first-party cookies (small text files that store locally on your computer) on client sites for one or more of the following purposes: to help identify visitors; assess usage patterns and perform traffic analysis; identify preferences; diagnose problems with our servers; analyse trends; and otherwise administer their products and services. Cookies placed by the provider on the computers of visitors to its clients' websites do not include Personally Identifiable Information such as name, phone number, e-mail address or mailing address, nor does the provider link cookies to such Personally Identifiable Information in its servers or databases.

Cookie Uses

Most websites use cookies but not all use them for the same purpose. The International Chamber of Commerce (ICC) has categorised cookies into four main groups. Below is a guide to these different types of cookies and how we use each type of cookie.

Strictly necessary cookies

These are essential in order for you to move around the website and use its features. Without these cookies, services you have asked for cannot be provided. ‘Strictly necessary’ cookies will not be used to gather information about you that could be used for marketing or remember where you’ve been on the internet.

We use these cookies to

  • Remember the information you have entered on forms so that you do not have to re-enter these details if you go back to a previous page.
  • Identify you as being securely logged on to internet banking.

Performance cookies

These cookies collect information about how visitors use a website. These cookies do not collect information that can identify a user of the site. All information these cookies collect is anonymous and is only used to improve the performance of the site.

We use these cookies to:

  • Provide statistics about how people use our site, e.g. the number of visitors to a page
  • Identify any errors that occur so that we improve our website
  • Test different designs of our website.

Our website uses the following 3rd parties’ cookies for analytics purposes:

  • Adobe Analytics
  • Crazy Egg

We may use performance cookies in our emails to tell us how you interacted with an email we've sent you. These can easily be disabled, by setting your email client not to automatically download all content.

Functionality cookies

These cookies allow the website to remember the choices you make, such as your username or your location in order to provide enhanced and personalised features. For example a news website may store your location to provide you with the most up to date local news.

We use these cookies to:

  • Remember the font size you set on some of our application forms.

Targeting and Advertising cookies

We do not use cookies to target advertising or use cookies provided by 3rd parties to provide advertising.

These cookies are used for websites to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information is shared with other organisations such as advertisers.

We use advertising on other websites to bring visitors to our site. We use cookies provided by the following sites to track the number of visitors from advertisements to see how succesful they have been:


Disabling Cookies

Cookies can be disabled by changing the settings in your web browser. Details on how to do this in the most common browsers are detailed below. If your browser is not listed here, you can find out how to disable cookies in the browser help section or by contacting the manufacturer.

Chrome LogoChrome

  • click the spanner icon on the browser toolbar.
  • select Settings.
  • click Show advanced settings.
  • in the "Privacy" section, click the Content settings button.
  • in the "Cookies" section, you can change the following cookies settings:
    • Delete cookies
    • Block cookies by default
    • Allow cookies by default
    • Make exceptions for cookies from specific websites or domains.
    Find out more on the Google Chrome help pages.

Firefox LogoFirefox

  • at the top of the Firefox window, click on the Firefox button ( or Tools menu in Windows XP) and then click Options.
  • select the Privacy panel.
  • set Firefox will: to Use custom settings for history.
  • check mark Accept cookies from sites to enable Cookies, and uncheck it to disable them.
  • choose how long cookies are allowed to be stored.
  • click OK to close the Options window.

Find out more on the Mozilla Firefox help pages.

Internet Explorer LogoInternet Explorer

  • at the top of the Internet explorer window, select Tools then Internet Options.
  • select the Privacy tab.
  • use the slider to selct the level you require, details of each level will display when you select them:
    • Block all cookies
    • High
    • Medium High
    • Medium
    • Low
    • Accept All Cookies.

Alternatively, you can manage cookies via the Advanced tab. Find out more on the Microsoft help pages.

Opera LogoOpera

  • select the opera in the top-left corner of the browser window.
  • go to settings then Preferences.
  • from the Advanced tab, select Cookies.
  • select one of the following options:
    • Accept
    • Accept only from the sites I visit
    • Never accept cookies
    • Manage cookies.

Find out more on the Opera help pages.

Safari LogoSafari

  • choose Safari then Preferences and click Security.
  • in the Accept cookies section, specify if and when Safari should accept cookies from websites.
  • to see an explanation of the options, click the Help button (looks like a question mark).

Find out more on the Apple support pages.

Cookies on our website

How We Use Cookies

Like many websites we use cookies to store and then retrieve small bits of information on your computer when you visit. This information is used to make the site work as you expect it to. It is not personally identifiable to you, but it can be used to give you a more personalised web experience.

Some of the information stored is put there by other companies whose software we have added to the site, and this can also impact your experience of other websites you may visit after leaving ours.

If you continue to use this site without taking action to prevent the storage of this information, you are effectively agreeing to this use.

If you want to learn more about the general uses of cookies, including how to stop them being stored by your computer, please visit Cookiepedia - all about cookies.

Below is a list of the different types of cookies used on this site, and an explanation of what they are used for. If you would like any more information, please get in touch.

Strictly Necessary Cookies

These cookies are necessary for the website to function. They are usually only set in response to actions made by you which amount to a request for services, such as logging in or filling in forms.

You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.

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  • Performance Cookies

    These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.

    All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

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  • Functionality Cookies

    These cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third party providers whose services we have added to our pages.

    If you do not allow these cookies then some or all of these services may not function properly.

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  • Targeting Cookies

    These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites.

    They do not store any personally identifiable information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.

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  • Other Cookies

    The following cookies are also set by our site, however their purpose has not yet been identified. We are conducting research into these cookies and will update this page as soon as possible.

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