Account Summaries

Viewing more information & servicing your account

You can access the Account Details page from your account homepage. From the homepage page you can see detailed product information and service your account quickly and easily.

You can also view or change your contact information and login details.

How do I see my account details?

Your current balance, available balance and overdraft and credit limit (where applicable) are displayed clearly when you visit your account.

To view statements, recent transactions and other account information use the tabs at the top of the page. You can also view statements in the mobile app.

Use the Account Actions list to service your account. From here you can perform tasks like ordering a replacement card or adding a joint or additional cardholder.

How do I search for a specific statement in online banking?

Select the Statements tab and then select the Search statements button. You can also view your most recent transactions using the Transactions link in the Statements page.

How can I learn more about my account?

To find out more about your account, please click the relevant link below.

Where can I find more useful forms for my account?

We have a list of forms available to download as PDFs, like Direct Debit mandates and redirection notices for your credit card.

You can download and print these PDFs, using your computer or device. The address you’ll need to send them to will be on the form itself.

Find out more about joint accounts, including the impact and responsibilities of each account holder.

Find information on a lost or dormant account

There is a free online service to help you find a lost account. My lost account website.

Why has my payment been returned unpaid?

If you have scheduled payments (direct debits, standing orders, future dated payments) or cheques due to debit your account today, and you don't have enough cleared funds in your account, you will need to deposit cleared funds via a cash deposit or electronic transfer, to avoid them not being paid.

  • For cheques debiting your account, you will need to pay in cleared funds by 2pm.
  • For scheduled payments (e.g. direct debits, standing orders, future dated payments) debiting your account, you will need to pay in cleared funds by 4:30pm.

I need to query a transaction, what should I do?

You should call us immediately if you suspect fraud or spot a transaction on your account that you don’t recognise.

Call 03457 212 212, or +44 3457 212 212 if calling from outside the UK (Call Charges), for current account queries.

Call 0345 600 6000, or +44 345 600 6000 if calling from outside the UK(Call Charges), for credit card queries.

To help us deal with your query quickly, please note down the date, time, amount and recipient of the transaction before calling.

We'll check the details with you and provide as much information as possible about the transaction. If you still don’t recognise the payment, it may be necessary to temporarily limit your access to your account while we investigate further.

You can also call 159 to be quickly redirected to a service that connects you to your bank, so you can report scams or suspected fraudulent contact.

Find out when you should call 159

Find out more about Financial Services Compensation Scheme | This will open in a new tab

Protecting your money

Your eligible deposits with The Co-operative Bank 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