Everything you need to know about applying for one of our current accounts
If you're thinking of applying for one of our current accounts, have a look through the key information here to help you pick the best account.
Approval is based on a credit check and an assessment of your personal circumstances.
Please note if you are applying for a Cashminder account that we do not conduct this credit check. We do carry out credit reference agency searches to validate your information, however this doesn’t leave a footprint on your credit file.
If you have all your information to hand, the application will take you about 10 minutes.
We'll be in touch to let you know whether or not your application has been successful.
We use a credit reference agency to help us decide whether or not the account you are applying for is appropriate for you. A credit check is a report on your credit history and helps us to decide how much of a risk lending money to you will be.
We will be in touch within 5 working days with a decision about your current account application. If you don't hear from us, please call us on +44(0)3457 212 212.
If you have any questions about your application, please call us on:
+44(0)3457 212 212Important information about our call charges
You will need your application number.
Customers that are not approved will have a note placed on their account that an application has been submitted and declined.
Being refused for a current account (not a Cashminder) could have a negative effect on your credit rating. If this happens, you should avoid applying for the same current account again. All applications, positive and negative, will show up on your credit file. You can improve your credit score by being on the electoral register and ensure you make your credit payments on time.
If you've been refused for our standard current account, you may want to apply for our Cashminder Account. It's ideal for customers who don't qualify for other Co-operative Bank current accounts, and still features our award-winning online, in-branch or over the phone service.