The Co‑operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester, M60 4EP. Registered in England and Wales No. 990937.
The Co‑operative Bank p.l.c. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885). The Co‑operative Bank, Platform, smile and Britannia are trading names of The Co‑operative Bank p.l.c., P.O. Box 101, 1 Balloon Street, Manchester M60 4EP. Registered in England and Wales No. 990937. Credit facilities are provided by The Co‑operative Bank p.l.c. and are subject to status and our lending policy. The Bank reserves the right to decline any application for an account or credit facility. The Co‑operative Bank p.l.c. subscribes to the Standards of Lending Practice which are monitored by the Lending Standards Board.
Standards of Lending Practice is a voluntary code that sets standards for good lending practice that all of its members have to meet. That way you can be sure we're doing things in your best interests.
We recommend that you visit the Lending Standards Board's website to find out more information.
The Money Helper Service has impartial information and tools to help you when budgeting, borrowing money, taking out a mortgage or opening a savings account.
For more information please visit Moneyhelper's website, or call The Money Helper Service helpline on 0800 011 3797 (call rates may vary).
Your opinion is very important to us. Listening to your views helps us grow as a company and stay on track with what you, our customers, want.
Or if we get something wrong, you may need to make a complaint. Be assured that we treat all complaints seriously and promise to deal with them fairly and promptly, and in many cases we'll resolve them right away.
You can call us on 03457 212 212^ (call charges) or write to:
The Co-operative Bank p.l.c.
5th Floor, Balloon Street
Manchester, M60 4EP
The privacy of Co‑operative Bank customers is very important to us, and how we deal with personal information is outlined in our terms and conditions. We hope the way in which we gather and use your personal information addresses and respects any concerns you may have:
We will only use the personal information we gather:
We will disclose your personal information only to:
In legal disputes, the Law of England will apply. As required by law, please note any terms and conditions of your account will be in English, governed by the laws of England and Wales and we will communicate with you in English.
For your additional peace of mind, every marketing customer e-mail sent by us, will include the last part of your postcode.
The Bank has taken the greatest of care to ensure the accuracy of the contents of this website, but cannot accept responsibility (to the extent permitted by law) for any inaccuracies, omissions, or errors whether in respect of the information provided on the Bank's website or on any to which the Bank's website may be linked. The Co‑operative Bank p.l.c. (the "Bank") is a United Kingdom bank and its products are only available in the United Kingdom (including the Channel Islands and the Isle of Man) to United Kingdom residents.
The information on this website may only be used by UK residents and expatriates for their own purposes. Permission must be obtained from the Bank for any other use.
The Faster Payments Service is an electronic payment method, which in most cases the money will be available within two hours. You can use the Faster Payments Service to make either immediate or future dated transfers and bill payments, as well as standing orders. Standing order and future dated payments will only be processed Monday to Friday. In most cases, the funds will be available within two hours. Note: Direct Debits are not part of the Faster Payments Service. All smile accounts are able to send and receive faster payments.
If you are making a payment using the Faster Payments Service you should check that the account you are sending money to receives Faster Payments.
Although in most cases the new Faster Payments Service will speed up electronic payments, there are a few important points you should be aware of:
There are circumstances which may prevent payments going via the Faster Payments Service; therefore payments cannot be guaranteed to reach the recipient the same day in all cases. If your payment is time critical we would recommend using CHAPS (for which an ancillary charge would be levied). Please talk to us to discuss.
When you apply to open an account with us, we have to decide if you appear to be an acceptable credit risk. To do that, we use a variety of information:
The application is only approved if all the information we receive is acceptable. We use a method called credit scoring to assess applications to open an account or borrow money, although our decision is not necessarily based on credit score alone. We also use Credit Reference Agencies to help us to make the decision.
For further information on Credit Reference Agencies and how we use them, please read the following document: