1. Home
  2. Application help
  3. Joint account applications

Joint 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


This page contains key information about eligibility, credit checks and how long the application will take to complete.

Work out if you're both eligible:

  • Our current accounts have a minimum age (this will vary with each account)
  • You both 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 each 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 each earn, including benefits, pension etc.
  • Any previous addresses from the last 3 years for both applicants.
  • Employment details for both applicants.
See our joint current accounts

How long applications will take

If you have all your information to hand, the application will take you about 15 minutes.

Once that’s complete, we’ll contact you to notify you of our decision.

How the credit checks work

We use an external credit reference agency to help us decide if the account you’re applying for is the right one for you.

The agency will take a number of different factors into consideration - including your credit history and personal circumstances. We’ll then use this information, alongside our lending policy, to reach a decision about your application.

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

For more information on 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

If you're application is unsuccessful, we'll place a note on your account to let you know the application has been submitted and declined.

It’s worth keeping in mind that being refused a current account (not a Cashminder) could have a negative impact on your credit rating. All applications, both positive and negative, will be recorded on your credit file - so you should avoid applying again shortly after.

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.