1. Home
  2. Application help
  3. Current Account Applications

Current account applications

Everything you need to know about applying for one of our current accounts

Continue a saved application

Current account

Go to application


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.

Work out if you're eligible:

  • Our current accounts have a minimum age (this will vary with each account)
  • You have to be a UK resident
  • Each account may have other criteria that you will need to meet to apply

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.

What you need to apply

  • How much you earn, including benefits, pension etc.
  • Any previous addresses from the last 3 years.
  • Employment details.
See our current accounts

How long applications will take

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.

How the credit checks work

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.

What to do if you haven't heard anything

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.

Important information about our call charges

Application help

If you have any questions about your application, please call us on:

+44(0)3457 212 212

Important information about our call charges

You will need your application number.

What to do if you've been refused

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.