Our latest digital highlights
We’ve made a lot of improvements to deliver what you’ve been asking for in the mobile app and online banking this year.
Take a look at our wrap up of what we’ve added to our app and online banking in 2024. And find out what we’ll be working on for you in 2025.
Our 2024 highlights
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Pending payments
View your pending transactions so you can keep track of all your spending.
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Search transactions
Search your transactions to quickly find your incomings and outgoings on our mobile app.
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Our new mobile dashboard design
We made it easier to view and delete your saved payees, switch to us directly in the app, and get answers to your questions on our improved help pages.
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Help and support
We’ve simplified navigation, added more information, and made it simpler to let us know you’re travelling abroad, or to order a replacement card. We’ve also added a ‘Get help’ link when you’re trying to make a payment on online banking, which will take you to relevant support guides.
You can check out our help guides to find out how to do things in the mobile app, online banking and open banking.
We want to hear from you
If there’s something new you’d like to do in the app or online banking, or anything you think needs to be changed, we’d love to get your feedback.
To give feedback in the app, tap ‘More’, and then tap 'Give us your feedback'.
To give feedback in online banking, the next time you log out, you’ll have the option to ‘Tell us what you think’.
Improved fraud prevention and security
Here are some features we’ve introduced in the last year to help you spot fraud and keep your money safe.
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Fraud and security hubs
Our dedicated digital hubs provide information on fraud, scams and how to protect your account. We have added new guides to show you the steps fraudsters take to access your accounts and also how to create and store passwords securely. Tap ‘More‘ in the app or online banking, and select ‘Fraud and security’.
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Password complexity
Having a strong password helps protect your account from fraudsters, so we’ve recently introduced a handy tool to help you make your password secure.
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Help if you spot an unrecognised transaction
Simply tap ‘I have a problem with this transaction’ in the app or in online banking and follow the steps so we can investigate.
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Fraud alerts
You’ll now receive push notifications if someone registers for the app on a new device or changes your details. If a fraudster had access to your account and did either one of these things, you would be notified on your device and be able to quickly report it. To opt in, tap ‘More’ in the app, ‘My settings and details’, and ‘Notifications’.
Supporting you with your life goals
Here are some features we added to help you manage your finances in a way that suits you and gets the most out of banking with us.
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Check how quickly you could pay off your mortgage
You can now use our overpayment calculator in the app to check how quickly you could pay off your mortgage and how much you can save on interest by overpaying each month.
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Simplify your banking by switching to us
Apply to switch your current account to us in the app. We’ll move all your Direct Debits, standing orders and bill payments in just seven business days.
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Be notified when your current rate is due to end
If you have a fixed rate savings account or a mortgage with us, we'll remind you when it's due to mature through the app so you can get the best rate. To opt in, tap ‘More’ in the app, ‘My settings and details’, and ‘Notifications’.
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Sustainability hub
As part of our commitment to standing up for causes our customers care about, we've added more articles to our sustainability hub in the app. Tap ‘More’ in the app to find it.
Open banking
Open banking lets you use your accounts in new ways, and can help save you time and money. We've improved our open banking services so you can now:
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Share information and make payments
It's now simpler to sign up for account information services, card-based payment instruments and payment initiation services for Co-operative Bank and smile payment accounts.
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Connect without providing your login details
You no longer need to give service providers your login details to be able to use open banking with our accounts.
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See and manage your connections
You can now find your existing and past permissions in 'Open Banking connections' in the mobile app and online banking.
What we’re working on in 2025
Here are some of the exciting things we’re working on in 2025 to make your digital banking experience even better.
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Control your card in the app
We want you to be able to make changes on-the-go, especially if your cards get lost or stolen, or if you need something during unsociable hours.
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More security measures and fraud prevention tactics
We’re making technical security enhancements and adding new resources to our fraud and security hub to help you keep up-to-date with the latest developments in fraud.
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Improving online banking accessibility
We’ve been working closely with Digital Accessibility Centre (DAC) to make online banking as accessible as possible for all customers. You may have already noticed some changes and there are more to come.
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View 90 days of your credit card transactions
Your credit card transactions for the past 90 days will soon be available for you to view on your account.
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Removing email verification
Email is more easily compromised by fraudsters and so, to protect you, we’re moving to using text messages only for sending verification codes.
Over 2 million customers and counting - here’s what they have to say
"I've been banking with the Co-op for over 10yrs now. The staff have always been very helpful, and the app is great. It's also the only bank where you don't have to worry where your money is being invested."
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