Mobile banking app

A secure and simple way to manage your money when you want, wherever you want.

Download the app

Everyday banking, made easy

Our mobile app is designed to keep things simple, and help you complete your everyday banking tasks on your terms, quickly.

You can do things like:

  • Check your balance and transactions (including pending debit card transactions) in just a few taps
  • Transfer money and set up new payments, on the go
  • Apply for savings accounts and credit cards directly in the app
  • Get fraud alerts, for example if someone registers your account on a new device
  • Manage your personal details, such as your phone number and email address.

Download the app

There are two versions of our mobile app – one for Apple devices, and one for Android devices.

If you have a smile account, you'll need to download the smile banking app.

Before you register for our mobile app, you'll need to make sure you're registered for online banking.

You can either do this in the app by tapping 'Register for online banking' in the app, or register for online banking on our website if you'd rather do it beforehand.

Apple app

Visit the App Store to download the app if you're using an Apple device. Or, scan the QR code.

Android app

Visit the Google Play Store to download the app if you're using an Android device. Or, scan the QR code.

Will the app work on my device?

Some devices use operating systems that are too old to work with our app. If you're unsure whether your device will work, view our device help guide.

Mobile banking help guides

Here you can check out our handy help guides, on topics such as registering for the app, setting up Face ID, making payments, and setting up a digital wallet.

If you still need support, you can also take a look at our popular help topics below.

Get set up on the app

Once you've downloaded the app, it shouldn't take long to get it set up.

In our help guides, you can learn how to:

Register for the app

Set up Face ID, Touch ID, or biometrics

Making payments

Not sure how to make payments in the app?

In our payment guides, you can find out how to:

Pay someone new

Pay someone you've paid before

Transfer money to your other Co-operative Bank accounts

Make credit card payments

Digital wallets

You can use Apple Pay, Google Pay, or Samsung Wallet to make payments directly from your smartphone or smartwatch, whilst keeping your Co-operative Bank details anonymous.

Apple Pay and Apple Wallet

Google Pay and Google Wallet

Samsung Wallet

Keeping your money safe

How we protect you and your money

Our fraud guarantee

We guarantee to refund any money lost to fraud, as long as you've taken reasonable steps to keep your details safe, you've taken sufficient care to check that the person or company you're dealing with are genuine, and you haven't acted fraudulently yourself.

Secure app

We use encryption to protect your identity and finances when you're doing things like mobile banking.

And to keep your information safe, we'll also log you out if you've not been active for five minutes or more.

Verification codes

As an extra layer of security, we'll sometimes send you verification codes.

We send these via text or email when you're doing things like logging in, making payments, or paying someone new.

Fighting fraud, in the app

Fraud and security hub

You can report suspected fraudulent activity, learn about the latest scams, and get tips on how to protect your account – all in our mobile fraud and security hub.

Find it from the main account screen when you tap 'More' in the app.

Fraud alerts

We can also send you app notifications to alert you about potential fraud. For example, you will be alerted if your account is registered to a new device, or if your phone number has changed.

  • Tips to help you stay safe

    Here are some handy tips that can help you stay safe when using our mobile app:

    • We'll never send you an email with a link to a login page, or ask you to click on a link to update your security. If you've received an email claiming to be from us that doesn't look right, please forward it to or call us on 03457 212 212 (call charges).
    • If you notice anything unusual when logging into the app, call us on 03457 212 212 to let us know (call charges).
    • Never tell anyone the one-time passcodes that we send you via text or email – not even us. If anyone asks you for your one-time passcode, it's a scam.
    • Be careful about who you make payments to, and be fraud aware. See our latest fraud alerts to stay informed about ongoing scams.

    Learn more about staying safe online

Get more help and support

In the app

When you're viewing your accounts in the app, you can get support by tapping the question mark in the top right corner. Here you'll find help topics relating to your specific account.

On our website

If you need support now, here are some of our most popular help topics.

There are a few different ways to log in to the app, depending on what you've got set up. These include:

  • Face ID
  • Touch ID (Apple device) or biometrics (Android device)
  • Or your 6-digit pass number.

Find out more about setting up Face ID, Touch ID or biometrics in our help guide.

If your usual method is Face ID, Touch ID or biometrics and it's not working, you may be prompted to enter your 6-digit passnumber instead.

If you've forgotten or need to change your passnumber

You'll need to re-register your device and create a new passnumber if you've forgotten it or it needs changing.

To do this:

  1. Tap 'I can't log in' from the login screen
  2. Select 'Reset app', and the app will close
  3. Reopen the app and read and accept the terms and conditions
  4. Tap 'Yes, I've used the app', and follow the instructions to create your new 6-digit passnumber.

Other login issues

If you're having any other login issues, you can find more advice on our app login help page.

You can update personal details such as your phone number and email address in the app. To do this:

  1. Tap 'More' in the dashboard
  2. Then tap 'My settings and details'
  3. Finally, tap 'Edit' next to the phone number or email address you want to update, and follow the instructions.

Please note: if you want to update your home address, this has to be completed in online banking.

You can apply for an overdraft, or manage any existing ones, and learn more about them, directly in the app.

If you have a current account with us and want to apply for an overdraft or amend an existing one on your account, in the 'Accounts' section of the app, tap the relevant current account, and then tap 'Overdraft'.

If you don't have a current account with us and want to learn more about overdrafts, tap 'Products' in the app, then tap 'Current Accounts', followed by 'Overdrafts'.

You can also learn more about how overdrafts work, find out if you're eligible, and apply for one on our website.

Please note: along with the app, you can also check if you have an existing overdraft on your account in online banking or on your statement. It's also worth noting that overdrafts are not available on Cashminder accounts.

If your card is lost or stolen, please call us immediately on 0345 600 6000. Lines are open 24 hours a day, 7 days a week (call charges).

Please note: once you have reported your card lost or stolen, it can't be used with Apple Pay, Google Pay, or Samsung Wallet.

You can also order a replacement card in online banking if your card's been damaged, or is faulty.

Learn more about what to do if you card is lost or stolen, or damaged

If you've forgotten your PIN or need to unblock it, you'll need to contact us.

Get more PIN support

We know everything doesn't always go to plan when you shop or deal with businesses. For example, you may have paid for goods or a service and not received them, or not received a refund after requesting one.

To help you try to get your money back, you can dispute certain types of card transactions directly in the app – as long as you meet the criteria and have done everything you need to do first.

To get started, tap on the relevant transaction in the app, tap 'I have a problem with this transactions, and then tap 'How to dispute a payment'.

Alternatively, you can dispute a payment on our website.

Important documents

Please read the important documents below and save copies of them for future reference.

Apple, the Apple logo, Apple Pay, Face ID and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.

Google Play and Google Pay is a trademark of Google LLC.

Samsung Wallet is a trademark of Samsung Electronics. Use only in accordance with the law. Compatible device required.

Not found what you're looking for?

Contact our support team