Switch Bank Account

Apply to switch from your current bank account to a Co-operative Bank current account and all your Direct Debits, standing orders, bills and payments will move to your new account. Once you've applied to switch, you don't need to do anything else.

7 working days to switch

It takes 7 working days to complete the switch. During that period, you'll be able to use your new account as you would normally.

All you need to do

Simply let us know:

  • Your old account number and sort code.

  • Your old debit card details.

  • The date you want to start the switch process.

We do the rest

Payments are transferred automatically

All your direct debits, standing orders and bill payments will be automatically transferred.

Payments are redirected

Any payments into your old account will be redirected to your new account.

If there are any problems, we guarantee to cover you

If anything does go wrong, we guarantee to sort it out for you and over any losses you might incur. This is the Current Account Switch Guarantee.

Current Account Switch Guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take 7 working days. As your new current account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us.

  • We will take care of moving all your outgoing payments (for example, your direct debits and standing orders) and those coming in (for example, your salary).

  • If you have money in your old account, we will transfer it to your new account on your switch date.

  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.

  • If there are any issues in making the switch, we will contact you before your switch date.

  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current account as a result of the failure.

Current Account Switch Guarantee Logo
Crystal Mark charity logo

For more information go to www.currentaccountswitch.co.uk

Switching with an overdraft or overdrawn balances

You can still switch your account if you're overdrawn, but overdrawn balances are not transferred as part of a switch.

If you require an overdraft as part of your switch, you will need to have this in place with us before you proceed with your switch. Approval for the overdraft is based on a credit check and assessment of your personal circumstances.

You can still switch your account if you're overdrawn. It is your responsibility to pay off any overdrawn balance including any fees or charges on your old account. You can do this by using available funds, or if you have applied and been accepted, an overdraft with us. Debit balances are not transferred.

You can keep your old account open, but you won't be covered by the guarantee

You can keep your old account open if you want. However, the Current Account Switch Guarantee will then be void.

If you keep your old account open, we will not cover the costs associated with missed payments.

New customers

When you open a standard Current Account you can request to switch during the account opening process, or switch at any time once your account is open. If you are applying for a Cashminder or Everyday Extra, you can request to switch once your account is open.

Existing customers

You can still switch your old bank account to us by calling us on:

+44(0) 3457 212 212 (call charges)

Lines open 8am - 6pm, Monday to Friday and 9am - 5pm on Saturdays and Sundays. Call us from the UK and abroad.

Alternatively, visit us in branch.

Use our branch locator to find your nearest branch

Other things you may want to do

  • Tell your friends and family that you've changed your account details.
  • Update you card or bank details on websites you regularly buy from.
  • Update your bank details with online shopping sites you use such as Amazon and eBay.

Confirmation of Payee

It is important to share your new account details with anyone who is intending to set up a new payment after your old account has been closed. Following the introduction of Confirmation of Payee, customers of other banks who attempt to set up a new payment after your account has switched may be prevented from doing this and will need to use your new Co-operative Bank account number and sort code. Anyone who has payments already set up to your old account, can continue to use these details and the funds will be transferred to your new Co-operative Bank account as part of the switching process.

Switching Third Party Providers (TPP) Open Banking

We allow you to give TPPs (such as financial comparison websites, money management apps and payment services) the ability to make payments on your behalf, and to access your financial data.

If you could do this with your existing account, there are two things you'll need to do.

Before you switch

Check whether you have any TPP permissions set up on your existing account and if so, who with.

Once your new account is set up

Contact the TPPs directly to give them your new account details. Permissions to TPPs to access services on your account won't be transferred as part of the Current Account Switch Service.

If you have any standing orders on your old account via a TPP, we'll make sure these payments are made. If we can't match the payment frequency of your existing standing order mandate, we'll contact you to discuss alternative arrangements. 

We only allow access to TPPs that are authorised by law to provide their services, so there's a chance that your current TPP may not be supported to access Co-operative Bank accounts. For more information about TPPs see our terms and conditions.

Important documents

Read the important documents below and save copies of them for future reference.

Download Switching guide (PDF)

Not found what you're looking for?

Contact our support team