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

Credit cards

  • How much can I transfer to my Co-operative Bank credit card?

    The amount you can transfer will vary depending on whether it's part of a promotion or a standard balance transfer.
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  • What happens if I miss payments to my Co-operative Bank credit card?

    If you miss payments or exceed your credit limit, you may incur a default fee.
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  • How do I add an additional cardholder to my credit card?

    You can apply to add an additional cardholder online or by printing off an additional cardholder application form and posting it to us.
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  • What happens if I exceed my credit card limit?

    You may be charged if you exceed your credit limit. If you don't bring your balance back within your credit limit we may block your card.
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  • Am I eligible for a balance transfer credit card?

    Please see our Balance Transfer Credit Card page for additional information and full eligibility criteria.
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  • Can I transfer my balance from an existing credit card?

    You can transfer a balance from another credit card or store card which you hold with another lender.
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  • I was an overseas resident but now live in the UK. Can I apply for a credit card?

    Yes, if you meet our credit scoring criteria. We need two proofs of your current UK address and copies of your last three months' bank statements.
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  • Which of your Co-operative Bank credit cards offer cashback?

    Cashback is available on our Co-operative Members' Credit Card and is paid as part of the Co-operative Members Scheme.
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  • Can I get a paperless statement for my credit card?

    Unfortunately, there is no option available to receive paperless credit card statements.
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  • What is an additional credit cardholder?

    This is someone you share your credit card with, both of you have a card and you share the credit limit.
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  • Am I eligible for a balance transfer to my existing Co-operative Bank credit card?

    Please call us on +44(0)345 600 6000 (Call Charges) to find out what balance transfer offers are available to you.
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  • What charity-linked related products do you provide?

    Whilst we regret that we no longer provide our charity credit cards, customers can also make charitable donations through our Everyday Rewards current account or through a new mortgage.
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  • How do I set up credit card direct debit?

    Our Customer Service team can set up a direct debit over the phone. They're available 24/7 on 03457 212 212.
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  • How are my payments allocated for outstanding credit card balances?

    Payments allocated for outstanding credit card balances will be applied in an order that's controlled by The Co-operative Bank.
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  • How do I pay my Co-operative Bank credit card?

    You can pay your credit card online, through the mobile banking app, over the phone, in your local Co-operative Bank branch, by Direct Debit or by post.
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  • Can I use my Co-operative Bank credit card to withdraw cash?

    Yes you can however, there will be a charge for the withdrawal of any cash from your Co-operative Bank credit card.
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  • Is the additional cardholder responsible for the debt they put on the card?

    No. The additional cardholder can spend on the card, but they are not responsible for the debt that is accrued. The responsibility lies with the person named on the account.
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  • What happens at the end of the 0% balance transfer interest offer period?

    Any balance remaining at the end of the 0% interest balance transfer offer will be charged at the standard balance transfer rate. You can find this rate in your monthly statement.
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  • What do you mean by posting date and transaction date on my statement?

    Transaction date is when you actually bought an item, or took out money. The posting date is when we receive the information that you did so.
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  • How do I transfer a credit card balance?

    You can transfer the balance from another credit card online or by calling us on +44(0)345 600 6000.
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