When you apply to switch from your existing current account to us, we’ll move all your Direct Debits, standing orders, and bill payments to your new Co-operative Bank current account in just 7 business days.
Once you've given us a few details, we’ll do the rest.
Your money has power—so deciding who you bank with is an important decision. But with so many banks to choose from, it can sometimes be difficult to find out everything you want to know before opening an account.
As the original ethical bank, we believe it’s what we won’t do with your money that really makes a difference.
Manage your money on-the-go
You can use our online banking services and mobile app to manage your daily banking.
Have 24/7 customer support
Our dedicated support agents are on hand to support you whenever you need.
Earn interest on your savings
Our range of savings accounts offer competitive rates.
Receive full fraud protection
Because keeping your money safe is one of our top priorities.
Get Everyday Rewards
You can earn rewards and have them paid to you or a charity.
Use the original ethical bank
As long as you’ve provided all information and you’re not overdrawn:
The Switch Service makes switching simple, smooth and universal. Your incoming and outgoing payments will be transferred automatically, and if you do a full switch, you’ll be covered by the Switch Guarantee.
This all means you can switch worry-free when you want to.
The Current Account Switch Guarantee applies to full switches.
The Current Account Switch service was designed 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 business days. As your new current account provider, we offer the following guarantee:
You can apply to switch as part of a new account application, or apply online or by phone.
When you apply, you need to let us know:
Please make sure you include all these details, or your switch may fail and you’ll need to call us to complete the switch.
Your switch will fail if any of the following happens:
Open a bank account online with us today— we’re the UK’s only high street bank with a customer-led Ethical Policy.
We have a range of accounts to suit your needs. When you should apply to switch will depend on which you choose.
We want to make switching as straightforward as possible. But there are a few things we can’t redirect automatically when you switch.
When you apply for a full switch, we’ll automatically redirect these things from your old account:
You’ll need to manage these things yourself, as we won't be able to redirect them from your old account:
You can check your switching options to see a list of what is included in a partial switch instead.
If you want to keep your old account open and you’re happy to manage your payments yourself, you can make use of a partial switch.
You need to complete a full switch to benefit from our Refer a Friend Switching Offer.
Switching is always free, whether you complete a full or partial switch.
When you do a full switch:
When you do a partial switch:
You can begin a switch even if you're overdrawn, but overdrawn balances are not transferred as part of a switch. This means you must pay back the overdrawn balance and any fees or charges on your old account before you can complete the switch.
You can pay back overdrawn balances on your old account using an overdraft with us if you’ve applied and been approved. Approval is subject to eligibility and based on a credit check and assessment of your personal circumstances.
Your money will be moved to your new account on your switch date. Before this you will be able to access your money in your old account.
Switching current accounts is always free of charge.
If you apply for a full switch, you will be covered by the Current Account Switch Guarantee. This means we will cover you if anything goes wrong and you’re charged as a result, such as for late payments.
If you apply for a partial switch, you won’t be covered under the Guarantee, so you may be charged if you miss any payments, so it’s important to pay attention to your regular payments and bills once your new account is open.
Your Open Banking services and permissions won’t transfer with your switch. If you have any set up on your old account which you’d like to continue using:
Open Banking services involve allowing TPPs to make payments on your behalf, and to access your financial data. Examples of TPPs include financial comparison websites, money management apps and payment services.
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