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We’re not accepting new student account applications at the moment.
With the help of our customers and colleagues, we’ve raised £2 million (correct as of February 2022) to help fund the Centrepoint Helpline, which offers support to young people across the UK who are experiencing or facing homelessness.
This is why we’ve worked with human rights charity Amnesty International UK since 1992, standing alongside them as they fight against injustice and equality. We’ve also sponsored Manchester Pride — one of the UK’s leading charities for the LGBTQ+ community — since 2016.
As well as committing to becoming a lifetime carbon neutral bank, we’re proud to be an ambassador for Zero Hour — the campaign in support of the Climate and Nature Bill (formerly the Climate and Ecology Bill) which would provide stronger legislation to tackle the climate-nature crisis.
we’ve not just been helping customers with their money — we’ve also been helping them fight for the causes they care about. This is one of the reasons why we launched our customer-led Ethical Policy in 1992, which has been shaping our ethical commitments ever since.
You must pay your student loan or other funding into your student account. If you don't, we might convert your account to our standard Current Account and you could lose your student overdraft. Overdrafts, both arranged and unarranged, on our standard Current Account are subject to debit interest charged at 35.9% APR.
Your student account comes with an interest-free overdraft that you can request to increase each year you're studying. You could get:
There is no monthly fee. You will be charged debit interest at 35.9% APR on any overdrawn balance that is over your agreed interest-free overdraft limit.
You’ll need to contact us to request an increase to your overdraft limit. Your overdraft limit will not automatically increase in your 2nd, 3rd, or further years of study. Approval will depend on an assessment of account conduct and a review of regular funding. You'll be charged debit interest at 35.9% APR if you go into an unarranged overdraft.
You cannot request an increase to your arranged overdraft above the interest-free overdraft limit applicable to your year of study. You must make regular payments into your account to reduce the amount you owe.
If you want your overdraft to be made available to you, at least £300 needs to be paid into your student account within 28 days of the date that your account was opened.
This amount needs to remain in your account for 48 hours, after which your overdraft will be made available to you automatically.
If you want your overdraft to be made available to you and it's been more than 28 days since the date your account was opened, you'll need to call us.
Overdrafts are intended for short-term borrowing and are not suitable for long-term borrowing.
An arranged overdraft is a set amount you've agreed with us in advance. You'll only be charged debit interest if you go over your arranged interest-free overdraft limit.
You'll go into an unarranged overdraft if you go over your arranged limit or your account balance falls below £0 without an arranged overdraft in place. You will be charged debit interest at 35.9% APR for going into an unarranged overdraft.
Your payments might be refused if you try to go overdrawn without having arranged an overdraft.
Any type of borrowing shows on your credit file. However, an unarranged overdraft shows as arrears, which can negatively impact your credit file and may make it harder for you to obtain credit in the future.
You will be charged debit interest at 35.9% APR on any overdrawn balance that is over your agreed interest-free overdraft limit.
The monthly cap on unarranged overdraft charges for the student account is £60.
The monthly cap refers to the charges applied in a charging period not a calendar month. Please refer to the Account Charges Leaflet (PDF) for details of the charging periods.
Below is a standard definition to allow you to compare unarranged overdraft charges across different providers. Fees are included in the comparison, but we choose not to charge you fees for payments where you have a lack of funds.
Learn more about account charges
Removing your arranged overdraft
If you already have an arranged overdraft with us but would like it to be removed, you can request this by contacting us.
Text alerts when you go into your overdraft
To help manage your money and avoid or minimise paying debit interest, we send overdraft text alerts if you go into or you're about to go into an arranged or unarranged overdraft. We’ll also send alerts if you have payments due that may not be paid.
As long as we have your mobile number, you'll be automatically opted in for overdraft text alerts. You can opt out of arranged and/or unarranged overdraft alerts at any time by contacting us.
Find out more about overdraft text alerts
The representative APR provided can enable you to compare the costs across different products and providers.
Based on the representative example above, if you didn't pay it back for
you would owe a total of
Your arranged overdraft will remain interest free for one year after your course ends, during which time there will be no monthly account fee. If you go over your arranged overdraft limit, and into an unarranged overdraft, you will be charged debit interest of 35.9% APR on any balance over your agreed limit.
One year after your course ends, your account will automatically convert to our standard Current Account. We’ll send letters to you throughout the year after you graduate, to remind you of when your account will convert.
Please note that any overdrawn balance will transfer from your student account to your new standard Current Account and will start to incur debit interest at 35.9% APR. This will be for both arranged and unarranged overdrafts. This means you will need to repay your overdraft within the first year after your course ends to avoid incurring debit interest at 35.9% APR.
If you are struggling to repay your overdraft or are in financial difficulty please reach out to us as soon as possible.
Once your Co-operative Bank student account converts into our standard Current Account one year after your course ends, you’ll need to call us or visit a branch if you want to apply to keep your arranged overdraft. Approval is based on a credit check and an assessment of your personal circumstances, and is subject to status.
If you get approved and decide to use your overdraft, you’ll be charged debit interest at an annual interest rate of 35.9% on the amount you are overdrawn by.
You’ll need to let us know if your circumstances or end date change. Call us on 03457 212 212 and we will make the relevant changes to your account. You may need to provide evidence confirming your new end date. Call charges
If you already have a current account or another student account with a different bank, you can apply to switch to us as soon as you’ve opened your Co-operative Bank student account. Please note you can only have one student account open at any one time.
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’ll take care of the rest.
Switching takes just seven working days and is covered by the Current Account Switch Guarantee. This means if anything goes wrong, we guarantee to sort it out for you and cover any losses you might incur.
Some banks may reject a switch if you have linked products like savings pots, subscriptions, loans or business accounts. For more information, check with your current bank.
You can use our mobile app or online banking to view your account, pay people, transfer money to your other accounts, keep an eye on your spending, and more.
Our standard current account.
A standard no-fee current account with access to some exclusive savings accounts, and the option to apply for an overdraft, subject to status. Manage your money in the usual ways including online banking and our mobile app.
Our packaged bank account featuring helpful, everyday extras for just £18 per month.
Includes mobile phone insurance, RAC UK & European breakdown cover, and worldwide travel insurance all for just £18 per month. You can manage your money in branch, through our online banking services, and in our mobile app.
Our basic bank account for people who may have a low credit score or no credit history
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.
There is now more protection for victims of certain types of scams. Read more about the changes to scam reimbursements.
The Co-operative Bank reserves the right to decline any application.
Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. 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 Co-operative Bank and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered.
Please read further information on the FSCS scheme here or visit their website.
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