With online banking, it’s like having your own personal branch whenever you need it. As well as being able to manage and transfer your money, you can download statements, update your personal details, access our help and support hub, message us, and more.
To register for online banking, you’ll need:
You’ll also be asked to answer some security questions so we can make sure it’s really you.
If you’re having problems registering, you might find our step-by-step guides below useful.
On the login page, there’s a link if you’ve forgotten your login details. When you click on it, you’ll be presented with a few different options that might help, including:
Please note: you'll need to reset both your password and security code if your username is an email address — you won’t be able to reset one or the other.
Downloaded our mobile app, but not set it up yet? To access your account on our mobile app, you’ll need to make sure you’ve registered for online banking first. If you haven’t registered yet, you’ll have the option to do it in the app.
Here, you can check out our handy guides on registering for online banking, along with logging in, updating your security details, and making different types of payments.
To make the most of our guides, you could open online banking in a new tab in your browser, and refer back to this page when completing tasks in online banking.
And if you’ve got any questions that aren’t covered in this section, you can also take a look at our popular help topics below.
In this short video guide, we explain how to register for online banking. We also have an online banking registration guide (PDF — opens in a new tab) if you’d prefer a text format.
In this short video guide, we explain how you can log in to online banking, and how to change your password or security code once you’ve logged in.
We also have alternative text guides below.
In this short guide, we’ll explain how you can log in to our online banking website, and how to change your password or security code.
The following information applies if you want to make a payment to your Co-operative Bank or smile credit card.
1. Once you’ve logged into online banking, go to ‘Pay and transfer’, and select the account you want to transfer the money from.
2. Select the credit card you want to transfer your money to, listed under ‘Credit cards’.
3. Choose whether you want to pay the minimum payment, the full payment, or another amount. If you want the payment to be made at a later date, you can select the ‘Pay later or create a standing order’ tick box underneath, and choose a date. Then, click ‘Continue’.
4. Review the payment details. If they’re correct, click ‘Confirm and pay’.
5. If successful, you’ll see confirmation that your payment request has been sent. Please note, it can take up to two business days for the money to reach your account.
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.
We use encryption to protect your identity and your finances when you're doing things like online banking.
And to keep your information safe, your session will time out if it has been idle for five minutes or more.
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 setting up new payees through online banking.
Here are some handy tips that can help you stay safe when using online banking:
You can learn more about how overdrafts work, find out if you’re eligible, and apply for one on our website.
Please note: you can check if you have an existing overdraft on your account in online banking, the mobile app, or on your statement. Also, overdrafts are not available on Cashminder accounts.
If you’ve forgotten your PIN or need to unblock it, you’ll need to contact us.
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.
You may be able to dispute a payment to get your money back if you paid for goods or a service with a Co-operative Bank credit or debit card.
Our online banking website has been designed to work on the most popular browsers used by our customers, including the most recent versions of:
Whatever browser you use, we recommend that you have up-to-date antivirus software installed if you’re using a computer or laptop. This is to help protect your device and data from things like viruses and malicious spyware when using the internet.
Please read the important documents below and save copies of them for future reference.
Not found what you're looking for?
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