It’s our values and ethics that really sets us apart. And it always has been, since 1872.
With a unique customer-led Ethical Policy, created in 1992, we give you a say in how your money is used and stand up for the causes that matter to you. Because unlike a lot of banks, we understand the power your money has in making a positive difference to the planet, its people, and our communities.
Join a bank that’s shaped by you.
Our standard current account
A standard no-fee current account with the opportunity to opt in to earn rewards for you or a charity, and the option to apply for an overdraft. Manage your money in the usual ways including online banking and our mobile app.
Our packaged bank account with helpful, added extras
A packaged account for people who want extra. Get all the features of our standard Current Account, plus worldwide travel insurance, UK & European breakdown cover, and mobile phone insurance. Exclusions and limitations apply.
Our student account features an interest-free overdraft you can request to increase each year, starting at £1,400
An account from a bank that's committed to doing things differently. Overdraft is subject to status. Eligibility criteria and T&Cs apply.
Our basic bank account for people who may have a low credit score or no credit history
A basic bank account with a debit card but no overdraft, for new customers who may not qualify for other kinds of account. Manage your cash in-branch, through online banking and with our mobile app.
If you sign up to a current account with us, you'll get access to some exclusive savings accounts, including:
Receive a higher rate of interest compared with our other instant access savings accounts whilst also having access to your funds when you need it.
Get a variable interest rate that's linked to the Bank of England base rate, meaning when it goes up, the account interest goes up too.
With our Online Cash ISA, you can manage your tax-free savings online and through our mobile app.
A savings account for those who want instant access to their money, either online or through our mobile app.
If you’re thinking an overdraft might be beneficial for you as part of your account, but you aren’t sure where to start or whether you’re eligible— don’t worry, we have all the information you need to know when considering an overdraft. Including an eligibility checker, cost calculator, and information on overdraft types.
Switching with the Current Account Switch Service is easy and if there are any problems, the Current Account Switch Guarantee covers you. It takes 7 working days to switch. Your payments are redirected and transferred automatically. Please see answers to some switching questions below or visit our switching page for more information.
If you’re thinking about opening a current account with us, here you can find out:
Learn more about current accounts, how they work, and what they can be used for:
Below you can find helpful information you might find useful if already have a current account with us:
The Co-operative Bank reserves the right to decline any application.
Whether we can offer you credit depends on your circumstances and our lending policy. We may decline your application based on your circumstances or our lending policy. We may be able to offer a product that's different to the one advertised.
Smile, The Co-operative Bank and Britannia are trading names of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).
The Financial Conduct Authority requires us to publish information about our personal current accounts. View our personal current account service quality information.
Your eligible deposits held by a UK establishment of The Co-operative Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: The Co-operative Bank, Britannia and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered.
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