Everyday Extra - our packaged bank account

For people who want all the features of a current account, plus helpful, everyday extras like mobile phone insurance, worldwide travel insurance, and UK & European breakdown cover, all for just £15 per month.

What our Everday Extra bank account offers you:

  • Mobile phone insurance, worldwide travel insurance, and UK & European breakdown cover, all for just £15 per month
  • The choice to opt into Everyday Rewards, to receive for yourself, or for a charity on your behalf, when you meet the monthly criteria
  • Available as a sole account or a joint account
  • If you have a joint account, you'll both be covered independently for the same price
  • Peace of mind knowing your banking services are with the original ethical bank– protecting the planet and supporting the community
  • Managing your money easily either online or in our mobile app.
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Mobile phone insurance
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UK & European breakdown cover
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Worldwide travel insurance

The benefits, in detail

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Worldwide travel insurance

Covers emergency medical expenses, replacing lost luggage, travel advice for you and your family before you go, plus so much more. With UK holidays included too. Just make sure you’ve declared any pre-existing medical conditions and don’t leave your valuables unattended to be fully covered.*

View Policy

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UK & European breakdown cover

Covers you in any vehicle you’re travelling in, at the roadside, in the UK and Europe. Including a hotel while you wait, and 3 days of manual car hire, helping you get to where you need to be.*

View policy

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Mobile phone insurance

Covers your mobile phone anywhere across the globe if it’s lost, stolen, or broken, so you can keep in touch no matter where you are. Just remember: to take the best care possible with your phone so you’re entitled to claim. Subject to a £75 excess per claim.*

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*Exclusions and limitations apply

Everyday Rewards

Opt into Everyday Rewards and we could reward you, or a charity on your behalf, every month. So you can be rewarded for your everyday banking habits.

Find out more

Eligibility criteria

  • To apply for the Everyday Extra account you have to:

    • Be between 18 and 79 years old
    • Meet the UK residency eligibility criteria for the insurance benefits (which excludes the Channel Islands and the Isle of Man)
    • Approval is based on an assessment of your personal circumstances and is subject to status and additional eligibility criteria.

    If your application is successful, we’ll open a current account for you and upgrade it to an Everyday Extra account. We’ll then write to you to confirm the upgrade has happened and that your insurance benefits are active.

    Please note: the insurance for this account won't cover you until we confirm your Everyday Extra account is open.

    • You’re unable to open an Everyday Extra account if you have:

    • An existing Everyday Extra, Privilege Premier, Privilege, smilemore or Credit Card Plus account with The Co-operative Bank
    • Another account with another provider which includes similar benefits (like travel insurance, motor breakdown cover and mobile phone insurance)
    • An equivalent standalone travel insurance, motor breakdown cover and mobile phone insurance in place. Where you do have existing cover, please ensure you review any current policies and are happy to proceed.

    Ready to apply?

    New account application 

    Once you've read all about the Everyday Extra account benefits, exclusions, and overdraft terms (which you'll see on the next page), and you meet the eligibility criteria, you will be able to apply today.

    Additional things to consider:

    • Once you have opened a sole Everyday Extra account, you won't be able to add an additional account holder
    • If you do not wish to pay a subscription fee, a non-fee paying current account is also available
    • Depending on your individual circumstances, it may be better value for money to purchase the insurance benefits separately from another provider.

    Upgrading to an Everyday Extra account

    If you have an existing current account with us and are looking to upgrade to an Everyday Extra account, you can upgrade your existing current account through our Online Banking services.

    Not registered for online banking? Get set up here.

    Through Online Banking, you’re able to apply to upgrade your account by:

    • Logging in to our Online Banking services
    • Selecting the 'list view' icon , next to the 'Your accounts' section
    • Next to your current account information there should be a ‘Learn more’ button. Click this to begin your application.

    Please note, the visibility of the ‘Learn more’ button is subject to status and based on additional eligibility criteria.

    How to upgrade to an Everyday Extra account

    To upgrade to an Everyday Extra account, you have to:

    • Be between 18 and 79 years old.
    • Meet the UK residency eligibility criteria for the insurance benefits (which excludes the Channel Islands and the Isle of Man).
    • Hold a Co-operative Bank Current Account or Current Account Plus.
    • Have registered for online banking with us.
    • Approval is based on an assessment of your personal circumstances and is subject to status and additional eligibility criteria.
    • Please be aware the insurance for this account won't cover you until we confirm your Everyday Extra account is open.

    Please note, you can't upgrade to Everyday Extra Current Account if:

    • You have an existing Everyday Extra, Privilege Premier, Privilege, smilemore or Credit Card Plus account with The Co-operative Bank.
    • You have another account with another provider which includes similar benefits (like travel insurance, motor breakdown cover and mobile phone insurance).
    • You have equivalent standalone travel insurance, motor breakdown cover and mobile phone insurance in place. Where you do have existing cover, please ensure you have reviewed the policies and are happy to proceed.
    • You’re currently using an unarranged overdraft.
    • You are currently using the £200 overdraft limit for Current Account Plus.

    To upgrade to a joint Everyday Extra account, you will need to have a joint current account before applying to upgrade.

    If you already have a sole Co-operative Bank Current Account and want to upgrade to a joint Everyday Extra account

    Use this form to convert your current account to a joint account before applying to upgrade to a joint Everyday Extra Current Account. Please note, after converting you’ll both need to meet our eligibility criteria to upgrade.

    Also, please be aware that a sole Everyday Extra account cannot be converted to a joint account after the account has been opened.

    Find out more about joint accounts, including the impact and responsibilities of each account holder

    Additional things to consider:

    • Please note that once you have opened a sole Everyday Extra account, you won't be able to add an additional account holder.
    • If you do not wish to pay a subscription fee, a non-fee paying current account is also available.
    • Depending on your individual circumstances, it may be better value for money to purchase the insurance benefits separately from another provider.

    Ready to upgrade an existing current account?

    Log into online banking to see if you're eligible.

    Log into online banking

    To upgrade to this product, you need to be registered for online banking. If you're not, go here to register. If you are, please follow the next steps:

    • Log in to online banking.
    • Please select the 'list view' icon , next to the 'Your accounts' header.
    • Next to your current account information should be a learn more button - click this to begin your application.

    Please note, the visibility of the learn more button is subject to status and base on additional eligibility criteria.

    Switching made easy

    If you have a current account with a different bank, you can apply to switch to us whenever you’re ready.

    With our simple switching process, all your direct debits, standing orders, bills, and payments, will move to your new account with us once you’ve switched.

    Once you've applied to switch, you don't need to do anything else as we take care of the rest.

    Switching takes just 7 working days and covered by the Switch Guarantee, so you don't need to worry about missed payments

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    Get help with your Everyday Extra account

    If you need help with things like:

    • Setting up online banking
    • Apple Pay
    • Google Pay
    • Reporting fraud.

    Then we have all the information you need in our help centre.

    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.

    Please click here for further information or visit www.fscs.org.uk.

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    Not found what you're looking for?

    Contact our support team