Bank Accounts

Open a bank account online.

Discover current accounts from The Co-operative Bank, the only high street bank in the UK with a customer-led ethical policy.

Support for Ukrainian refugees

If you’re a Ukrainian refugee and want to open a bank account, please call us or visit one of our branches to book an appointment with a Co-operative Bank colleague. Use our branch locator to find your nearest branch.

Learn more about our bank account that's available to Ukrainian refugees

Current Account

Our standard current account

A standard no-fee current account with 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.

Everyday Extra

Our packaged bank account

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.


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.

Student Account

An interest-free overdraft that you can request to increase each year, starting at £1,400. From a bank that's committed to doing things differently. Overdraft is subject to status. Eligibility criteria and T&Cs apply.

Refer a Friend - £50 for you, £50 for your friend

If you're an existing current account customer with us, recommend a Co-operative Bank Current Account or Everyday Extra Account to your friends and family and we’ll give you both £50 after they switch. T&C’s apply.

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Overdrafts are not suitable for long-term borrowing. If you're using your overdraft in this way or becoming reliant on it, you may wish to look at other types of borrowing that might better meet your needs.

Find out how to apply for an overdraft or make changes to your existing overdraft.

Learn more about overdrafts


When using the Current Account Switch Service to switch your current account from another bank, all your direct debits, standing orders, bills and payments will move to your new account with us. Once you've applied to switch, you don't need to do anything else.

Switching takes 7 working days. You're covered by the Current Account Switch Guarantee, so you don't need to worry about missing payments.

Find out more about switching

Current account switch guarantee

Joint bank accounts

Get any of our current accounts as a joint account. Each joint account comes with access to online banking, mobile banking and two PVC-free debit cards. Apply online in around 10 - 15 minutes.

Find out more about joint bank accounts

What makes us ethical

We're the only high street bank in the UK with a customer-led ethical policy. That means our ethics underpin how we do business. And our products and services are ethically minded too. Our debit cards are free from PVC, our accounts feature paperless statements and the option to support charities. Our staff pay and rewards are based on quality of service and we involve our customers in designing and improving our products and services.

Find out more about our customer-led ethical policy

Understanding current accounts

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

How current accounts work

Find out what a current account is, how it works and what it can be used for.

Learn more about current accounts

Types of bank account

Find out about the different types of bank account to help you make the right choice.

Learn more about bank account types

Bank accounts for people with poor credit history

Find out how your credit history can affect getting a bank account and what your options are if you have poor credit history.

Learn more about bank account for people with poor credit history

Overdrafts explained

Find out how they work, what they cost and whether an overdraft is right for you

Learn more about overdrafts

How switching works

Find out how long it takes, what happens to your regular payments and how the Current Account Switch Guarantee protects you and your money.

Learn more about switching

How to apply for a Co-operative Bank account

Find out about how long it takes, what information you need to provide, eligibility criteria and how to apply online for a bank account.

Learn more about applying for a Co-operative Bank account

Independent service quality survey results

Personal current accounts

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.

Read our detailed personal current account service quality survey results.

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found on our personal current account service quality information page.

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.

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).

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.

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