Co-operative Bank

The Co-operative Bank was formed in 1872. In 2002 the parent company The Co-operative Group brought the bank and created a new holding society, Co-operative Financial Services, which in 2011 became the Co-operative Banking Group. Following restructuring, the Co-operative Group no longer owns a stake in the bank but it will continue to use the Co-operative branding.

It offers a number of banking services, including credit cards, personal loans and mortgages. It continues to own the digital banking brand Smile.

Their headquarters are based in Manchester, UK.

Co-operative Bank
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Bank accounts

Ranked 13th of 28 providers reviewed.

Customer happiness 60.44%
Customer trust 64.13%
Complaints performance 62.59%
Transparency rating 81.98%
Fairer Finance score
Reviewed Autumn 2022
67%
Gold ribbon: first place

Credit cards

Ranked 15th of 31 providers reviewed.

Customer happiness 59.26%
Customer trust 58.12%
Complaints performance 62.59%
Transparency rating 64.94%
Fairer Finance score
Reviewed Autumn 2022
61%

Savings Accounts

Ranked 21st of 50 providers reviewed.

Customer happiness 53.28%
Customer trust 63.65%
Complaints performance 62.59%
Transparency rating 84.74%
Fairer Finance score
Reviewed Autumn 2022
66%

Bank accounts

Basic bank accounts

Co-operative Bank

Cashminder

5 stars
Cash withdrawal fee in UK (own bank) i £0.00
Annual fee i £0.00
Part of FSCS i
Faster Payment limit i £100,000.00
Maximum cash machine withdrawal per day i £250.00
Can you use your card to pay for items overseas? i

Current accounts

Co-operative Bank

Current Account with everyday rewards

4 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Co-operative Bank

Current Account

3 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Foreign use bank accounts

Co-operative Bank

Everyday Extra with everyday rewards

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Co-operative Bank

Current Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Co-operative Bank

Cashminder

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Co-operative Bank

Student Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Co-operative Bank

Everyday Extra

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Co-operative Bank

Current Account with everyday rewards

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Overdrafts

Co-operative Bank

Everyday Extra with everyday rewards

3 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 35.9%

Co-operative Bank

Current Account with everyday rewards

3 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 35.9%

Co-operative Bank

Current Account

3 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 35.9%

Co-operative Bank

Everyday Extra

3 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 35.9%

Premium bank accounts

Co-operative Bank

Everyday Extra

5 stars
Add-ons, cashback and rewards i Worldwide travel insurance (including winter sports) for holder & family from AXA, UK and European RAC breakdown insurance, mobile phone insurance from LSG
Part of FSCS or international equivalent i

Co-operative Bank

Everyday Extra with everyday rewards

5 stars
Add-ons, cashback and rewards i Worldwide travel insurance (including winter sports) for holder & family from AXA, UK and European RAC breakdown insurance, mobile phone insurance from LSG, £1 each month plus 2p for each debit card transaction up to maximum £2.20 a month
Part of FSCS or international equivalent i

Student bank accounts

Co-operative Bank

Student Account

3 stars
Arranged overdraft limit i £2,000.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Business Credit Cards

Everyday Business Credit Cards

Co-operative Bank

Business Credit Card

2 stars
Representative APR i 21.8%
Annual fee in first year i £24.00
Using card in Europe charge i 2.75%
Using card worldwide charge i 2.75%

Foreign Use Business Credit Cards

Co-operative Bank

Business Credit Card

3 stars
Using card in Europe charge i 2.75%
Using card worldwide charge i 2.75%
Annual fee in first year i £24.00
Representative APR i 21.8%
Rewards i

Credit cards

0% balance transfer credit cards

Co-operative Bank

Balance Transfer Credit Card

2 stars
Duration of 0% balance transfer offer period i 24 months
Balance transfer fee during promotional period i 3%
Representative APR i 20.6%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3%
Representative balance transfer rate i 1.571%
Risk based? i

0% purchase credit cards

Co-operative Bank

Balance Transfer Credit Card

3 stars
Duration of purchases offer period i 4 months
Representative APR i 20.6%
Highest APR i 20.6%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.571%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Cashback and reward credit cards

Co-operative Bank

The Co-operative Members' Credit Card

1 stars
Reward extras i
Representative APR i 18.2%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.75%

Foreign use credit cards

Co-operative Bank

Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 20.6%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.571%

Co-operative Bank

3 Year Fixed Rate Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 8.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 0.71%

Co-operative Bank

The Co-operative Members' Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 18.2%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.404%

Low rate credit cards

Co-operative Bank

3 Year Fixed Rate Credit Card

5 stars
Representative APR i 8.9%
Highest APR i 18.2%
Representative purchase rate i 0.71%
Risk based? i
Representative balance transfer rate i 0.71%
Representative money transfer rate i

Home insurance (building and contents)

Co-operative Bank

Home Cover extra (Contents up to £80,000)

5 stars
Alternative accommodation cover limit for buildings i £50,000.00
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i Sum Insured
Escape of water excess i £350.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £25,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i Sum Insured
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of water (plus compulsory excess) i £350.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £5,000,000.00
Buildings cover limit i £1,000,000.00
Contents cover limit i £80,000.00
Underwriter LV=
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £2,500.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents Sum Insured
Visitor's possessions £1,000.00
Out in open cover
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £0.00
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics As Standard
Cover away from home offered for: money As Standard
Cover away from home offered for: jewellery As Standard
Cover away from home offered for: bicycles & other As Standard
Special events (weddings and civil ceremonies) - limit 10% of Sum Insured
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit 10% of Sum Insured
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit 10% of Sum Insured
Special events (anniversaries and birthdays) - days 60 days
Special events (religious events) - limit 10% of Sum Insured
Special events (religious events) - days 60 days
Cover for home emergency i
Cover for legal protection/expenses i Not Offered
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £5,000.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Co-operative Bank

Home Cover extra (Contents up to 60,000)

5 stars
Alternative accommodation cover limit for buildings i £50,000.00
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i Sum Insured
Escape of water excess i £350.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £25,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i Sum Insured
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of water (plus compulsory excess) i £350.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £5,000,000.00
Buildings cover limit i £1,000,000.00
Contents cover limit i £60,000.00
Underwriter LV=
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £2,500.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents Sum Insured
Visitor's possessions £1,000.00
Out in open cover
Frozen Food Cover £1,000.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £0.00
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics As Standard
Cover away from home offered for: money As Standard
Cover away from home offered for: jewellery As Standard
Cover away from home offered for: bicycles & other As Standard
Special events (weddings and civil ceremonies) - limit 10% of Sum Insured
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit 10% of Sum Insured
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit 10% of Sum Insured
Special events (anniversaries and birthdays) - days 60 days
Special events (religious events) - limit 10% of Sum Insured
Special events (religious events) - days 60 days
Cover for home emergency i
Cover for legal protection/expenses i Not Offered
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £5,000.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Co-operative Bank

Everyday Home Cover (Contents up to 60,000)

3 stars
Alternative accommodation cover limit for buildings i £25,000.00
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i £1,000.00
Escape of water excess i £350.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £15,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £750.00
Keys/locks if lost or stolen (Buildings) i £750.00
Money in the home i £250.00
Replace belongings new for old i
Trace and access i £0.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of water (plus compulsory excess) i £350.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £5,000,000.00
Buildings cover limit i £1,000,000.00
Contents cover limit i £60,000.00
Underwriter LV=
24hr helpline i
Unoccupied period i 90
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £0.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents £0.00
Visitor's possessions £0.00
Out in open cover
Frozen Food Cover £500.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £0.00
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics As Standard
Cover away from home offered for: money As Standard
Cover away from home offered for: jewellery As Standard
Cover away from home offered for: bicycles & other As Standard
Special events (weddings and civil ceremonies) - limit 10% of Sum Insured
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit 10% of Sum Insured
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit 10% of Sum Insured
Special events (anniversaries and birthdays) - days 60 days
Special events (religious events) - limit 10% of Sum Insured
Special events (religious events) - days 60 days
Cover for home emergency i
Cover for legal protection/expenses i Not Offered
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £1,000.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Co-operative Bank

Everyday Home Cover (Contents up to £80,000)

1 stars
Alternative accommodation cover limit for buildings i £25,000.00
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings cover limit i £1,000.00
Escape of water excess i £350.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £15,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £750.00
Keys/locks if lost or stolen (Buildings) i £750.00
Money in the home i £250.00
Replace belongings new for old i
Trace and access i £0.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Escape of water (plus compulsory excess) i £350.00
Compulsory excess (contents) i £350.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £5,000,000.00
Buildings cover limit i £1,000,000.00
Contents cover limit i £80,000.00
Underwriter LV=
24hr helpline i
Unoccupied period i 90
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £0.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents £0.00
Visitor's possessions £0.00
Out in open cover
Frozen Food Cover £500.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £0.00
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics As Standard
Cover away from home offered for: money As Standard
Cover away from home offered for: jewellery As Standard
Cover away from home offered for: bicycles & other As Standard
Special events (weddings and civil ceremonies) - limit 10% of Sum Insured
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit 10% of Sum Insured
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit 10% of Sum Insured
Special events (anniversaries and birthdays) - days 60 days
Special events (religious events) - limit 10% of Sum Insured
Special events (religious events) - days 60 days
Cover for home emergency i
Cover for legal protection/expenses i Not Offered
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £1,000.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Buildings insurance

Co-operative Bank

Home Cover extra (Contents up to £80,000)

5 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i Sum Insured
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £50,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £350.00
Buildings compulsory excess i £100.00
Escape of water excess i £350.00
Flood excess i £100.00
Unoccupied period i 60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £5,000,000.00

Co-operative Bank

Home Cover extra (Contents up to 60,000)

5 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i Sum Insured
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £50,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £350.00
Buildings compulsory excess i £100.00
Escape of water excess i £350.00
Flood excess i £100.00
Unoccupied period i 60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £5,000,000.00

Co-operative Bank

Everyday Home Cover (Contents up to 60,000)

3 stars
Trace and access i £0.00
Keys/locks if lost or stolen (buildings) i £750.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £25,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £350.00
Buildings compulsory excess i £100.00
Escape of water excess i £350.00
Flood excess i £100.00
Unoccupied period i 90
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £5,000,000.00

Co-operative Bank

Everyday Home Cover (Contents up to £80,000)

1 stars
Trace and access i £0.00
Keys/locks if lost or stolen (buildings) i £750.00
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £25,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £350.00
Buildings compulsory excess i £350.00
Escape of water excess i £350.00
Flood excess i £350.00
Unoccupied period i 90
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £5,000,000.00

Contents insurance

Co-operative Bank

Home Cover extra (Contents up to £80,000)

5 stars
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i Sum Insured
Credit cards i £0.00
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i £80,000.00
Music, film, or electronic downloads i
Documents i Sum Insured
Frozen Food Cover i £1,000.00
Business equipment i 0
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i £1,000.00
Temporary freezer storage
Money in the home i £500.00
Theft from bogus officials
Garden plants
Garden protection 2,500.00
Out in open cover
Alternative accommodation cover limit for contents i £25,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £100.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i £10,000.00
Property owner liability i £5,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline
Jury service
24hr helpline i
Protection against inflation i
Underwriter LV=
Unoccupied period i 60
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Births - limit/days Cover Limit: 10% of Sum Insured /Days limit: 60
Anniversaries - Limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Religious events -Limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money As Standard
Cover away from home offered for: jewellery As Standard
Cover away from home offered for: bicycles & other As Standard

Co-operative Bank

Home Cover extra (Contents up to 60,000)

5 stars
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i Sum Insured
Credit cards i £0.00
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i £60,000.00
Music, film, or electronic downloads i
Documents i Sum Insured
Frozen Food Cover i £1,000.00
Business equipment i 0
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i £1,000.00
Temporary freezer storage
Money in the home i £500.00
Theft from bogus officials
Garden plants
Garden protection 2,500.00
Out in open cover
Alternative accommodation cover limit for contents i £25,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £100.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i £10,000.00
Property owner liability i £5,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline
Jury service
24hr helpline i
Protection against inflation i
Underwriter LV=
Unoccupied period i 60
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Births - limit/days Cover Limit: 10% of Sum Insured /Days limit: 60
Anniversaries - Limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Religious events -Limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money As Standard
Cover away from home offered for: jewellery As Standard
Cover away from home offered for: bicycles & other As Standard

Co-operative Bank

Everyday Home Cover (Contents up to £80,000)

3 stars
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Cover for keys if lost or stolen (contents) i £750.00
Theft from outbuildings cover limit i £1,000.00
Credit cards i £0.00
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i £80,000.00
Music, film, or electronic downloads i
Documents i £0.00
Frozen Food Cover i £500.00
Business equipment i 0
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i £0.00
Temporary freezer storage
Money in the home i £250.00
Theft from bogus officials
Garden plants
Garden protection 0
Out in open cover
Alternative accommodation cover limit for contents i £15,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £350.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i £10,000.00
Property owner liability i £5,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline
Jury service
24hr helpline i
Protection against inflation i
Underwriter LV=
Unoccupied period i 90
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Births - limit/days Cover Limit: 10% of Sum Insured /Days limit: 60
Anniversaries - Limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Religious events -Limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money As Standard
Cover away from home offered for: jewellery As Standard
Cover away from home offered for: bicycles & other As Standard

Co-operative Bank

Everyday Home Cover (Contents up to 60,000)

3 stars
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Cover for keys if lost or stolen (contents) i £750.00
Theft from outbuildings cover limit i £1,000.00
Credit cards i £0.00
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i £60,000.00
Music, film, or electronic downloads i
Documents i £0.00
Frozen Food Cover i £500.00
Business equipment i 0
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i £0.00
Temporary freezer storage
Money in the home i £250.00
Theft from bogus officials
Garden plants
Garden protection 0
Out in open cover
Alternative accommodation cover limit for contents i £15,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £100.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i £10,000.00
Property owner liability i £5,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline
Jury service
24hr helpline i
Protection against inflation i
Underwriter LV=
Unoccupied period i 90
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Births - limit/days Cover Limit: 10% of Sum Insured /Days limit: 60
Anniversaries - Limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Religious events -Limits/days Cover Limit: 10% of Sum Insured /Days limit: 60
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money As Standard
Cover away from home offered for: jewellery As Standard
Cover away from home offered for: bicycles & other As Standard

Savings Accounts

1 Year Fixed Rate Accounts

Co-operative Bank

1 Year Fixed Term Deposit

Interest Rate (AER) i 3.46%
Minimum Opening Balance i £1,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

2 Year Fixed Rate Accounts

Co-operative Bank

2 Year Fixed Term Deposit

Interest Rate (AER) i 3.62%
Minimum Opening Balance i £1,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

3 Year Fixed Rate Accounts

Co-operative Bank

3 Year Fixed Term Deposit

Interest Rate (AER) i 3.84%
Minimum Opening Balance i £1,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £1,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Easy Access Accounts

Co-operative Bank

Select Access Saver

Interest Rate (AER) i 1.18%
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i If you make more than 4 withdrawals then the lower rate of 0.50% will be paid.
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Co-operative Bank

Smart Saver

Interest Rate (AER) i 1.68%
Maximum Balance i £1,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Co-operative Bank

The Co-operative Bank 1 Year Fixed Rate Cash ISA

Interest Rate (AER) i 2.81%
Minimum Opening Balance i £5,000.00
What happens at maturity? i Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access subject to 180 day loss of interest.
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Co-operative Bank

Fixed Rate Cash ISA - 31/01/2024

Interest Rate (AER) i 3.5%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 180 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

Co-operative Bank

Fixed Rate Cash ISA - 31/01/2025

Interest Rate (AER) i 3.78%
Minimum Opening Balance i £5,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 180 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Co-operative Bank

The Co-operative Bank 2 Year Fixed Rate Cash ISA

Interest Rate (AER) i 2.9%
Minimum Opening Balance i £5,000.00
What happens at maturity? i Your provider will write to you before the account matures. If you don’t give them any instructions, the money in the account will be paid into a variable rate account pending instructions/withdrawal
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access subject to 180 day loss of interest.
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Co-operative Bank

Online Cash ISA

Interest Rate (AER) i 2.09%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?
Interest Rate (AER) i 1.68%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?