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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
  • 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. money facts
  • £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

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.

You can still switch to us if you're overdrawn with your old bank. Click the link below to find out more.

More about switching

Apply for our Current Account

To apply, you need to be:

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
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Switching
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Overdraft
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Charges and fees
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How we limit overdraft charges

Important documents

pdf

Terms and conditions

Download PDF (367KB)
pdf

Our lending commitments and what we ask of you.

Download PDF (112KB)
pdf

Account charges

Download PDF (278KB)
pdf

How we use your personal information

Download PDF (242KB)
pdf

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:

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 now

Unanswered questions?

    Help for existing customers

    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.