Everything you need to know about applying for one of our current accounts
This page contains key information about eligibility, credit checks and how long the application will take to complete.
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.
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.
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.
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.
For more information on your application, please call us on:
+44(0)3457 212 212
You will need your application number.
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.
If you’re calling from the UK, calls to 0800 and 0808 numbers are free from landlines and mobiles; calls to 03 numbers cost the same as calls to numbers starting with 01 and 02; calls to 0845 and 0870 numbers cost 3p per minute, plus your phone company’s access charge; calls to 0844 and 0843 numbers cost 7p per minute, plus your phone company’s access charge. Charges for calls made outside of the UK will be determined by your local provider.
Calls may be monitored or recorded for security and training purposes.