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For a chance to win, you need an eligible Co-operative Bank or smile current account and use it to pay at least one qualifying Direct Debit every month.
Over six months, we’ll pay back eligible household bills for up to 10 customers every month, to a maximum of £5,000 each.
The more bills you have, the bigger your win could be. So it could pay to switch your Direct Debits to us.
Eligible customers will be entered into each draw automatically.
Draw runs from 1 October 2026 to 31 March 2027.
You can choose to opt out of this prize draw. Open to UK residents 18 and over. Eligibility, criteria and full Terms and Conditions (PDF) apply.
Cashminder
Current Account
Current Account Plus
Privilege
Privilege Premier
Everyday Extra
Student
smile
smilemore
One entry per customer. If you’re a winner and have more than one eligible account, including joint accounts, bills will be paid back on the account with the highest Direct Debit total.
You must make at least 1 successful Direct Debit across any of the following household bill categories each month:
mortgage payments
rent payments (including standing orders)
gas charges
electricity charges
council tax payments
water charges
wastewater charges
Each draw will happen on the last day of the month. Winners will be emailed from prizedrawwinners@co-operativebank.co.uk within 2 months of that draw and they must respond within 1 year to claim their prize.
If you do not wish to participate in this prize draw, or any future Win Back Your Bills draws, just email optoutofdraw@co-operativebank.co.uk.
You can opt out at any time, but requests should be sent to us by 11:59pm on the final calendar day of the month for the upcoming prize draw for that month. Any requests received after that time may not take effect until the following prize draw.
The more qualifying Direct Debits in your eligible current account, the more you could win. So it could pay to switch them to us.
To move or set up a new Direct Debit you should contact the business who bills you directly.
With the Current Account Switch Service, we’ll move your Direct Debits to your new account within 7 business days.
Switching to us is quick and easy with the Current Account Switch Service and it takes just seven days. You can do this as part of your Current Account application, or once your account is open.
Read all sections of our full terms and conditions for this prize draw, and save a copy for future reference.
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