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What you get from us

  • No monthly account fee
    • It means we won’t charge you for opening this account. You may still be charged for doing things like exceeding your agreed overdraft limit or using a special service like foreign transfers.
  • 4 stars!
    • Moneyfacts, an independent financial comparison site, gave our Current Account 4 stars. money facts
  • Online and mobile banking
    • You can both manage your money and make basic payments anywhere there’s an internet connection.
  • £500 overdraft with this account
    • Subject to status. If you use your agreed overdraft, you’ll need to pay debit interest at a rate of 18.9% per annum variable on the total overdrawn balance. If you go over your agreed limit, or go overdrawn without arranging an overdraft with us beforehand, you’ll be given additional charges. Tell me more about this
  • Stay ahead of the game with your overdraft charges

Representative example for our overdraft

Assumed credit limit:

£500

with debit interest at

18.9% EAR variable

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Switch Logo

Switching your current account is easy

Direct Debits, regular payments, bill payments and your salary will automatically get switched over.

We’ll also redirect payments in and out of your account.

More about switching

Apply for our joint current account

To apply you both need to be:

  • 18 or over.
  • An EU resident.

Apply online now

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Important documents

Please note, our terms and conditions are changing with effect from 5th and 13th January 2018. Please see the Summary of Changes document below, which explains what we're changing and why.

pdf

Current Account terms and conditions

Download PDF (353KB)
pdf

Summary of Changes to terms and conditions with effect from 5th and 13th January 2018 and new Account Charges Leaflet.

Download PDF (371KB)
pdf

Account charges

Download PDF (1.59MB)
pdf

How we use your personal information

Download PDF (242KB)
pdf

Overdraft pre-contractual agreement

Download PDF (2.01MB)

Apply for our joint current account

To apply you both need to be:

  • 18 or over.
  • An EU resident.

Approval is subject to status and based on a credit check and an assessment of your personal circumstances.

Unanswered questions?

    Existing customer looking for help and info?

    Get help and tips about our current account.

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    Co-operative Bank

    We’re part of The Co‑operative Bank, and we share the same ethical values too.

    smile, Britannia and The Co‑operative Bank are trading names of The Co‑operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).

    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 ones advertised.