Britannia savings accounts, simplified

The Co-operative Bank account gives you more options for managing your account. You can visit our branches, contact us by telephone or manage your account on the go, through online and mobile banking. You’ll also receive statements of all transactions, with the option of choosing to have paperless statements, with digital access 24 hours a day, 7 days a week.

You can find more information about the changes that will apply to you in the summary of changes tables by selecting the account you have with us.

No, when your account switches you’ll receive a new Co-operative Bank sort code and account number.

There are a number of ways to bank with us:

Register for Telephone Banking – You’ll need your new account number and sort code.

Call 03457 212 212 to request your 4 digit telephone banking security code. Lines are open 8am-6pm Monday to Friday, 9am-5pm Saturday and Sunday. Call charges apply.

Register for Online Banking – A convenient and secure way to manage your money.

As well as being able to manage and transfer your money, you can download statements, update your personal details, access our help and support hub, message us and more. Find out more about online banking.

Register for the Mobile App – Our banking app is a quick and secure way to manage your money from your mobile phone.

Before you can use the app, you’ll need to register for online banking. This can be done within the app. For verification you’ll also need your mobile or email address. Find out more about mobile banking.

Visit one of our branches – Our branch colleagues can help with your everyday banking needs. Find a branch

If you think you had a Britannia account with us that you haven't used for a while, we can check to see if one exists. You don't need to give us an account number, though we will need some identification and additional information, like:

• Your full name, or full name of the account holder
• Other names by which you or the account holder has been known (e.g. before marriage)
• Date of birth
• Details of any previous addresses lived at since the account was opened
• The name or names of any other account holders
• Estimated date when the account was opened.

You can contact us by:

• Visiting your local branch
• Calling us on 03457 212 212 (call charges).

If we're unsuccessful in tracing a particular account, we'll assess the next steps we can take. Alternatively, you can visit the free 'my lost account' website where you can also get help tracing your lost accounts and savings.

Please note: if you have money in a lost or forgotten account, it will always be yours - no matter how old it is.

You’ll no longer need a passbook with a new Co-operative Bank account and your passbook can no longer be updated. You’ll have more options for managing your account: in our branches, by contacting us by telephone or on the go, through online and mobile banking. You’ll also receive statements of all transactions with the option of choosing to have paperless statements, with digital access 24 hours a day, 7 days a week.

Yes, you can use any of our branches.

Find a branch

The details of how we process your personal data has not changed. If you're concerned about any personal data processing, you can refer to the privacy policy (PDF).

You can choose to close your account and transfer your money to an existing Co-operative Bank account with us, or to an account with another provider.

Britannia (as part of The Co-operative Bank plc) is part of the statute-backed Unclaimed Assets Scheme, who works to close inactive accounts and reunite customers with unclaimed funds.

If your Britannia account was classed as dormant and attempts to contact you failed, the balances may have been transferred to Reclaim Fund Ltd (RFL). This not-for-profit fund holds money from the dormant accounts (also known as unclaimed assets) of customers, then distributes it to good causes in the UK.

You have the right to reclaim your money after the funds have been sent to the Reclaim Fund. We retain customer records for dormant accounts, so all accounts reinstated will include any interest due. All transferred account money will still be covered by the Financial Ombudsman Service.

Any Britannia accounts that are transferred to the Co-operative Bank will no longer participate in the Unclaimed Assets Scheme.

You can request a statement for your savings account by calling us on 03457 212 212 call charges. We'll ask you to confirm your account number and some personal information.

Following the introduction of the Personal Savings Allowance on 6th April 2016, we pay interest without deducting income tax. If you earn more interest than the amount permitted as tax-free income, you’ll have to pay tax on the interest directly to HMRC.

If you need a statement detailing any interest paid since the 6th April 2016, please call 03457 212 212 call charges and we'll send a statement to your registered correspondence address.

Lines are open Monday to Friday 8am to 6pm.

Please note: Interest from Individual Savings Accounts (ISAs) doesn’t count towards your Personal Savings Allowance because it’s already tax-free.

Interest paid prior to 6th April 2016

A Statement of Deduction of Tax (Section 975 Certificate) can be issued for interest paid and tax deducted prior to 6th April 2016. The certificate illustrates the gross amount of interest paid, tax deducted and the amount paid into your account.

If you need a certificate, please call us on the number above and we'll send one to your registered correspondence address.

For most products there will be no change to your interest rate as a result of the transfer of your account to The Co-operative Bank.

If your interest rate changed as a result of the transfer we will have communicated this to you in your notification letter.

You can view our current interest rates on the following pages:

Interest rates for existing savings accounts

Interest rates for savings accounts that are no longer available to new savers

IMPORTANT - If you had any payments made into your Britannia account, you’ll need to provide any person, company or any other Bank or Building Society paying into your account, with your new account details to avoid disruption with your payments.

The summary of transactions includes all transactions for your Britannia account since your passbook was last updated or since your last statement was issued. If you haven’t received a statement or had a passbook update in the last 12 months, then the summary of transactions will include transactions for the last 12 month period.

If your account was funded via Direct Debit, this will have ended when your account was transferred, as this feature is not available on Co-operative Bank accounts. The money should have been returned to the originator.

Your number of withdrawals was reset to 0 when we opened the new account.

Making deposits by debit card will no longer be possible, however you can make deposits by electronic transfer from another account held with us or another provider.

You can also deposit cash and cheques in any of our branches or by visiting any Post Office® in the UK where you can pay in cheques.

This account transfer does not affect your ISA subscriptions. You can save up to £20,000 in the current tax year and/or transfer in ISA allowances from previous tax years.

If you have not used your annual ISA allowance you can continue to pay into your cash ISA. However, if you haven’t paid any money into your ISA during a tax year, you’ll need to call us on 03457 212 212 (call charges apply) to refresh your ISA. Lines are open 8am - 6pm Monday to Friday, 9am - 5pm Saturday and Sunday. Call us from the UK and abroad. You can also send a secure message if you have registered for online banking. You may need to make a new declaration if you want to make a deposit in a different tax year.

Please note: this does not apply to fixed rate products.

We will continue to send you a letter when your fixed term is coming to an end. It’ll remind you of your maturity date and let you know what options are available to you (such as re-investing or withdrawing). When your account matures, we will transfer it to a variable rate instant access Smart Saver account unless you tell us otherwise.

We will continue to send you a letter when your fixed term is coming to an end. It’ll remind you of your maturity date and let you know what options are available to you (such as re-investing or withdrawing). When your account matures, we will transfer it to a variable rate instant access Co-operative Bank Cash ISA unless you tell us otherwise.

There is no change to the interest rate or term. The interest rate is fixed for the term chosen by you at account opening and will not change during the term.

You can find more information about the changes that will apply to you in the summary of changes tables by selecting the account you have with us.

There is no change to your maturity date. Your fixed rate account matures at the end of the term you chose at account opening.

Your balance, including any accrued interest minus any pending charges for withdrawals you have made on your Britannia Fixed Rate Cash ISA (if applicable), has been transferred to your new account. Your interest will continue to be paid annually and any interest transferred will be included in your next annual interest payment.

If your interest is paid annually there will be no change to when or how your interest is paid.

If your interest is paid monthly we aim to pay your monthly interest on the same date as you received it on your Britannia account. We will endeavour to keep it as close to your current interest payment date as possible. If this date doesn’t fall on a Business Day it will be paid on the next available Business Day.

Business Day is usually Monday to Friday excluding bank holidays.