What you get from us
- No monthly fee with this account
- So you won’t be charged for opening or using it. You may, however, still be charged for things such as exceeding your agreed overdraft limit or using a special service like foreign transfers.
- Also available as a joint account
- Get everything from a sole account, but for two. Here’s some more info about our joint account
- An ethical choice
- You’ll be part of a bank that actually cares about its impact on the world, and does something about it. For example, in 2015 we sourced 99% of our electricity from renewable resources and are currently campaigning with Refuge to raise awareness about financial abuse.
- 5 stars!
- Moneyfacts, an independent financial comparison site, gave this account five stars.
- Moneyfacts, an independent financial comparison site, gave this account five stars.
- £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 the overdraft
- We’ll help limit those unarranged overdraft charges
- We do this in 3 ways: a buffer, a waiver and a monthly cap. Er, could you explain that?
Representative example for our overdraft
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.
You can still switch to us if you're overdrawn with your old bank. Click the link below to find out more.
Apply for our Current Account
To apply, you need to be:
- 18 or over
- An EU resident
- Earning a gross annual income of at least £6,000.
Approval is subject to status and based on a credit check and an assessment of your personal circumstances.
Apply online now
It only takes 10 minutes if you’ve got all your information to hand.
Please read the important documents below, and save copies of them for future reference. Apply now
Important documents
Terms and conditions
Download PDF (367KB) Our lending commitments and what we ask of you.
Download PDF (112KB) Account charges
Download PDF (278KB) How we use your personal information
Download PDF (242KB) Overdraft pre-contractual agreement
Download PDF (1.1MB)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.
Apply for our Current Account
To apply, you need to be:
- 18 or over.
- An EU resident.
- Earning a gross annual income of at least £6,000.
Approval is subject to status and based on a credit check and an assessment of your personal circumstances.
Apply online
It only takes 10 minutes if you’ve got all your information to hand.
Please read the Important Documents above, and save copies of them for future reference. Apply nowUnanswered questions?
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.
Speak to us on
If you’re looking to discuss a query about your account with us, you’ll need to log in to online banking to initiate a Live Chat.
Open 7am - 10pm every day
Need more info? Contact us
