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Help & info

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

Accounts

  • 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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  • Can I access my joint account from your mobile app?

    Yes, both account holders can download the app and register on different phones.
    Learn more

  • 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.
    Learn more

  • 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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  • What is my Personal Savings Allowance

    Your Personal Savings Allowance will be different dependent on what rate of tax you pay.
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  • How do I log into my Britannia DirectSaver account?

    When logging in, we’ll ask you for your user ID which we emailed you, along with 3 characters from your password. If you’re logging in with your user ID for the first time, your password will need to be set before you can log in.
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  • Base Rate Change - 2nd August 2018

    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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  • 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 does the Bank of England base rate affect my savings?

    If your savings account is a tracker account, you’ll be paid an interest rate directly linked to the Bank of England base rate. Variable rate savings accounts typically follow the Bank of England base rate which means your rate is not guaranteed to stay the same. Fixed rate accounts are not affected by any changes to the Bank of England base rate during the term of the product.
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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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  • 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.
    Learn more

  • 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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  • 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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  • 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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  • 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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  • Can I take additional lending to fund my deposit?

    No, you must not be taking any additional lending to fund your house purchase.
    Learn more

  • What additional benefits packages can I choose with my Privilege and Privilege Premier account?

    Existing Privilege and Privilege Premier customers
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  • Can I opt in to Everyday Rewards with an Everyday Extra Current Account?

    Yes, you can opt in to Everyday Rewards with an Everyday Extra Current Account.
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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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