Our bank accounts

Open a bank account online today with The Co-operative Bank. The UK’s only high street bank with a customer-led Ethical policy.

Open a bank account online today

What we offer

  • Standard Current Account - Our no-fee current account.

  • Everyday Extra - Our packaged bank account - Worldwide travel insurance, UK & European breakdown cover, and mobile phone insurance, all for just £15 per month. Exclusions and limitations apply.

  • Cashminder - For people with no credit history or a low credit score who want a basic bank account they can use online and on mobile.

  • Student bank account - With an interest-free overdraft you can request to increase each year, starting at £1,400. Eligibility criteria and T&Cs apply.

  • Accounts for Ukrainian refugees - If you’re a Ukrainian refugee and want to open a bank account, we’re here to help.

Why choose us?

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.

Win a little, help a lot

We're giving you a chance to win up to £2,500 when you use your Co-operative Bank debit card to pay during our promotional period. Subject to eligibility. T&Cs apply.

Current Account

Our standard current account

A standard no-fee current account with access to some exclusive savings accounts, and the option to apply for an overdraft. Manage your money in the usual ways including online banking and our mobile app.

Everyday Extra account

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.

Student account

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.

Cashminder account

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.

Need a joint account?

You can get our standard Current Account, Everyday Extra account, and Cashminder account as a joint account.

Find out more about joint bank accounts

Want access to exclusive savings accounts?

If you sign up to a current account with us, you'll get access to some exclusive savings accounts, including:

Regular Saver

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.

  • Earn 7.00% interest (gross / AER variable)

  • Open with as little as £1, and save up to £250 per calendar month

Base Rate Tracker

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.

  • Earn 2.25% to 5.00% (gross / AER variable) depending on your account balance

  • Receive interest paid every year on 5 April

Online Cash ISA

With our Online Cash ISA, you can manage your tax-free savings online and through our mobile app.

  • Earn 2.65% interest (tax-free / AER variable)

  • Make the most of your tax-free ISA allowance and save up to £20,000

Online Saver

A savings account for those who want instant access to their money, either online or through our mobile app.

  • Earn 2.65% interest (gross / AER variable)

  • Open multiple accounts and split your money to create separate savings pots

Other ways you can save with us

If these accounts aren't right for you, or you want to save without having a current account with us, we have plenty of other accounts available.

Overdrafts for new and existing customers

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.

Learn more


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.

Current Account Switch Guarantee logo

Current account support

Find useful information and support you might need when opening a current account, or get help with your existing current account.

New customers

If you’re thinking about opening a current account with us, here you can find out:

Understanding current accounts

Learn more about current accounts, how they work, and what they can be used for:

Learn more about current accounts

Learn more about bank account types

Learn more about bank accounts for people with poor credit history

Learn more about packaged bank accounts

Our existing current account customers

General information

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).

Our service quality information

The Financial Conduct Authority requires us to publish information about our personal current accounts. View our personal current account service quality information.

Financial Services Compensation Scheme

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.

Please read further information on the FSCS scheme here or visit their website.

Not found what you're looking for?

Contact our support team