Our bank accounts
Open a bank account online today with The Co-operative Bank.
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Why choose us? With a unique customer-led Ethical Policy, created in 1992, we give you a say in how your money is used and stand up for the causes that matter to you. Join a bank that’s shaped by you.
Standard
No monthly fee
Packaged
£15 a month
Basic
No monthly fee
Student account
No monthly fee
An account that offers an interest-free overdraft for up to one year after you finish your course.
Eligibility, terms and conditions apply.
Ukrainian refugee account
No monthly fee
An account that offers all the features of our Basic account.
Eligibility, terms and conditions apply.
Win up to £2,500
We’re offering cash prizes in collaboration with VISA when you pay with your debit card (including digital wallet purchases) until 30 November 2025. Subject to eligibility. T&Cs apply.
Current Account
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. Manage your money in the usual ways including online banking and our mobile app.
Everyday Extra account
Our packaged bank account with helpful, added extras
A packaged account for people who want extra. Get all the features of our standard Current Account, plus worldwide travel insurance, UK & European breakdown cover, and mobile phone insurance. Exclusions and limitations apply.
Student account
Our student account features an interest-free overdraft you can request to increase each year, starting at £1,400
An account from a bank that's committed to doing things differently. Overdraft is subject to status. Eligibility criteria and T&Cs apply.
Cashminder account
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.
Need a joint account?
You can get our standard Current Account, Everyday Extra account, and Cashminder account as a joint account.
Regular Saver
Receive a higher rate of interest compared with our other instant access savings accounts whilst also having access to your funds when you need it.
Base Rate Tracker
Get a variable interest rate that's linked to the Bank of England base rate, meaning when it goes up, the account interest goes up too.
Online Cash ISA
With our Online Cash ISA, you can manage your tax-free savings online and through our mobile app.
Online Saver
A savings account for those who want instant access to their money, either online or through our mobile app.
Earn 2.46% interest (gross / AER variable) up to 22/04/2025
Earn 2.34% interest (gross / AER variable) from 23/04/2025
Open multiple accounts and split your money to create separate savings pots
Overdrafts for new and existing customers
If you’re thinking an overdraft might be beneficial for you as part of your account, but you aren’t sure where to start or whether you’re eligible— don’t worry, we have all the information you need to know when considering an overdraft. Including an eligibility checker, cost calculator, and information on overdraft types.
Switching
Switching with the Current Account Switch Service is easy and if there are any problems, the Current Account Switch Guarantee covers you. It takes 7 working days to switch. Your payments are redirected and transferred automatically. Please visit our switching page for more information.
New customers
If you’re thinking about opening a current account with us, here you can find out:
How long your application takes, what information you need to apply, and eligibility criteria for a Co-operative Bank account
Whether an overdraft is right for you and how much they could cost
How the Current Account Switch Guarantee protects you and your money when you switch to us.
Understanding current accounts
Learn more about current accounts, how they work, and what they can be used for:
Learn more about current accounts
Learn more about bank account types
Learn more about bank accounts for people with poor credit history
Our existing current account customers
General information
Below you can find helpful information you might find useful if already have a current account with us:
Looking for a previous switch incentive?
To view the Terms and Conditions of previous switch incentives and other offers, visit our Offers terms and conditions page.
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.
The Co-operative Bank and smile are trading names of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).
Our service quality information
The Financial Conduct Authority requires us to publish information about our personal current accounts. View our personal current account service quality information.
Financial Services Compensation Scheme
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.
Not found what you're looking for?
Contact our support team