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Switching bank accounts is easy
With a full switch, we’ll move all your Direct Debits, standing orders, and bill payments to your Co-operative Bank current account.
How switching works
The account that amounts to more
When you bank with us, your money helps support youth clubs, animal welfare, and stronger local communities.
Our values and ethics
£125 when you complete a full switch and use your account
£75 over 3 months when you actively use your account
Our switch offer ended on 7 September 2026
We are no longer accepting new applications as part of our switch offer. To be eligible, you must have requested a switch during the offer period (6 July to 7 September 2026) or within 2 weeks of your account being open. Ensure you meet the offer criteria within the outlined timescales by reading our T&Cs.
Switch offer eligibility, criteria and Terms and Conditions apply for this offer.
The £100 loyalty bonus offer for existing customers ended on 17 August 2026.
Switch your current account to The Co-operative Bank. You can do this with an existing account or when opening a qualifying account.
Once your switch is complete, meet the offer requirements, and we'll pay £125 into your account. You can also earn up to £75 more by continuing to use your account.
This offer is not open to customers who have benefited from a switch offer with us since 1 November 2022.
Choose from one of these eligible accounts:
You'll need to request a full switch from your old provider to your new account. You can do this as part of your application or within 2 weeks of opening your account.
If you already have one of the following Co-operative Bank accounts open with us:
Standard Current Account
Privilege
Privilege Premier
Current Account Plus
Everyday Extra Account
You can request a full switch from your old provider to your Co-operative Bank account, and begin earning. You can do this by completing an online switch request form.
Within 30 days of your full switch completing, make sure that you have:
And we’ll credit your account within 7 days.
We'll pay you up to £75 over the next 3 months (£25 per month). Each month, make sure you have:
and we'll credit you with £25 for each month you do this.
Only deposits and transactions made after your switch completes count towards this offer. Any balance transferred as part of your switch counts towards the £1,500 deposit requirement within the first 30 days.
smile customers must switch to The Co-operative Bank from an external provider. smile current accounts cannot be switched to The Co-operative Bank.
Your 3 months begin on the day after you receive your £125 set up payment.
The month to meet your criteria in will run to (but not including) the same date of the following month. Months 2 and 3 will begin on the day after this.
For example, if you receive your £125 set up payment payment on 14 November, your months would be the following:
Month 1: 15 November to 14 December
Month 2: 15 December to 14 January
Month 3: 15 January to 14 February
The Current Account Switch Service makes switching easy. Your incoming and outgoing payments will be transferred automatically. And if you do a full switch, you’ll be covered by the Current Account Switch Guarantee.
The service is free to use and you can choose your switch date with us. Once the switch has started, it takes just 7 business days to complete.
You should review our switching guide for information on how switching works and the Current Account Switch Service Terms and Conditions.
We’ll contact you within 1 business day to confirm that we’ve received your request. We’ll also confirm your agreed switch date.
If you requested a full switch as part of your current account application, we allow time for you to receive your account information, debit card and PIN before your switch begins.
Once your switch has started, it will take 7 business days to complete.
The Current Account Switch Service will arrange for payments from your old account to move to your new account.
Until your switch is complete, scheduled payments will continue to be made from your old account. Make sure there is enough money in your old account to cover these payments.
On the final day, we’ll transfer the remaining balance to your new account and close your old account. We’ll let you know when your switch is complete.
Any money sent to your old account will automatically be sent to your new account for 3 years after your switch.
No monthly fee
Our standard Current Account comes with useful features to help you manage your day to day banking.
Eligibility, Terms and Conditions apply.
£12 a month
Get all the features of our standard Current Account, with helpful, added extras.
Eligibility, Terms and Conditions apply.
Exclusions and limitations apply to all benefits.
Not right for you? View all our current accounts.
To view the Terms and Conditions of previous switch incentives and other offers, visit our Offers Terms and Conditions page.
Our £100 loyalty bonus ended on 17 August 2026. If you have successfully qualified as part of our recent switch offer, we'll credit your account with £100 in November.
It was available to customers of:
To be eligible customers must have:
The £100 loyalty bonus was available to personal customers only. Business customers, organisation accounts, and mortgages held in a business name were not eligible.
Your eligible deposits held by a UK establishment of The Co-operative Bank p.l.c. are protected up to a total of £120,000 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 following: The Co-operative Bank and smile. Any total deposits you hold above the limit between these brands are unlikely to be covered.
Please click here for further information or visit www.fscs.org.uk
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