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Help & info

Just type in your query, or have a look at the list of popular questions below.


  • What is Everyday Rewards?

    Everyday Rewards is a scheme that you can opt into which rewards you for your Everyday Banking Behaviours.
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  • How do I apply for tax-free interest on my account if I do not normally live in the United Kingdom?

    You can download the R105 form (application for a saver not resident in the UK to get deposit account interest without tax taken off) from HMRC, or fill it in online.
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  • Can I access my joint account from your mobile app?

    Yes, both account holders can download the app and register on different phones.
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  • Does a Student Current Account come with a debit card?

    Yes, if you're 18 or over and already hold a student account with us you'll be issued with a debit card. (Subject to status). This account is no longer available to new or existing customers.
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  • Where can I find a Joint Account Consent form?

    Download our Joint Account Consent form then send it to the address provided.
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  • How often will I receive overdraft text alerts?

    You will receive an overdraft text alert either before you go into or when you enter into an unarranged overdraft. The alerts will also be sent when you don’t have enough funds in your account to make all of your scheduled payments that working day.
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  • Are overdraft text alerts secure?

    Yes, they are secure. The text message will come through with the name ‘Co-optiveBk’ as the sender and we’ll only include the last four digits of your account number
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  • Can I opt back into receiving overdraft text alerts if I have opted out?

    : Yes, you can opt back into receiving overdraft text alerts at any time.
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  • How do I order a chequebook for my account and how long does it take to arrive?

    To request a chequebook or any other stationery for your account, login to online banking and send us a secure message.
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  • How do I add or remove a joint account holder?

    To add or remove a joint account holder, complete the appropriate form and return it to us.
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  • How do I transfer from a sole account to a joint account?

    You'll need to fill in a form and either post it to us or drop it in to your local branch.
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  • Is there a monthly fee for your current accounts?

    Current Account, Current Account Plus, Cashminder, and Student Account do not charge a monthly subscription fee.
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  • Will all account holders be able to see transactional information on the account?

    Yes, all account holders are able to see the transactions on a joint account.
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  • Can I apply for a current account online?

    You can apply for our Current Account online or our Cashminder account via the post.
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  • What information do I need to open a current account?

    To open a current account you'll need to provide us with some personal details such as your name, home address, telephone number, email address and proof of Identity.
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  • Can the balance in a joint account be accessed by all account holders?

    Yes, any balance on the account belongs to all the people named on it.
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  • How does the Bank of England base rate affect my mortgage?

    On the 2nd August 2018 The Bank of England base rate increased from 0.50% to 0.75%. The Bank’s Standard Variable Rate will increase from 4.74% to 4.99% effective from 1 September 2018.
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  • Can I make overpayments on my mortgage?

    Overpayments are when you pay an extra amount into your mortgage each month, with the aim of saving interest in the long run, or funding future underpayments.
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  • Can I change my mortgage rate before the end of my initial rate period?

    You may be able to change your mortgage rate before the end of your initial rate period.
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  • If I switch my current account to you, will you advise me which Direct Debits and standing orders are being transferred?

    If you asked for a list of your Direct Debits and standing orders when you requested to transfer your payments you will be sent a list from your current bank.
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