Once you are registered for the mobile app, you'll be asked to log in each time you want to open the app. You will need your 6-digit passnumber or Touch or Face ID you set up when registering. Once you have logged in you will have access to your bank account/s.
If you haven't set up Touch or Face ID you can easily enable this on your device. When you're logged into the app follow these simple steps:
*Please note that Face ID is only available on Apple devices.
When setting up a payment to someone new we'll always ask you to verify the payment by using your fingerprint, passnumber or Face ID. Protecting you from fraud is our top priority. When paying someone new we will check that you're confident about who you are paying. We'll do this by guiding you through tailored information about the type of payment you're making. If you do not want to continue or you are unsure about making the payment, you'll have the option to cancel it and contact us to discuss your concerns.
After clicking ‘Verify payee’ you may see some different options.
For example, account name is a match — which means the account matches the payee’s name and you can proceed with the payment.
The other options that may you may see after clicking ‘Verify payee’ include:
If you see this option, it means the account name doesn’t match the payee’s name. You’ll need to double check the details, otherwise you could send your money to the wrong person.
Criminals lie about why these details differ in order to trick you into making payments to them. If you’re being told that they don’t match, do not proceed — it's a scam.
If you see this option, it means the account name is similar to the payee’s name. You’ll be shown the name on the account you’re paying to help you decide whether it's the right person.
Please double check the details before sending any payments.
You’ll be shown this option if the payee's bank doesn't take part in this service.
In this case, we're not able to verify the payee's details. You can continue with the payment, but please check the account name and details are correct by calling the person or business you’re paying on a trusted phone number first.
Criminals will target banks where it's not possible to verify these details, so you are therefore at greater risk of being scammed.
The payment will now be sent immediately unless you are a paying a Co-operative Bank or smile credit card, or have included a reference when sending money to a Co-operative bank or smile account, in these situations please allow 2 business days.
If successful, you’ll see a confirmation message saying that your payment request has been sent. We’ll also save the details of the person or business you paid as a ‘saved payee’. Now you’ll be able to transfer money to them without having to enter their details again.
When you’ve finished making your payment, you can click ‘Return to my accounts’ to go back to the main screen.
If you’ve tried to make a payment and it’s unsuccessful, we recommend trying again. There are a number of reasons why a payment might be unsuccessful — you can find out more and get extra support in our money transfer guide.
We have created a guide to help you register for online banking (PDF).
To get started:
Enter your personal details
Your account number and sort code or 16 digit credit card number, name and date of birth
Verify who you are
You'll be asked to answer a few questions and we will send you a verification code to your mobile phone or email to help us confirm who you are
Create login details
Create a username, password and 6-digit security code.
Once you are registered for online banking, you can use the same details you set up to set up our mobile banking app.
Once you are registered for the online banking, you’ll be asked to log in each time.
With our automated telephony service you can, check your balance, make transfers between your Co-operative Bank accounts, make payments to your Co-operative Bank credit card and check your recent transactions.
To do this you will need:
You can access these automated services 24/7 through the numbers below:
For credit card enquiries 0345 600 6000 (call charges)
For all other accounts 03457 212 212 (call charges)
You will then be able to access a range of self-service banking actions:
If you have a credit card you can also check your minimum payment, full balance and remaining available credit using our credit card line by listening to the options and selecting the relevant number.
Not found what you're looking for?
Contact our support team