Current Accounts Product Details

The Co-operative Bank

Current Account - Age 18 and over Funded

Representative Example: Based on an overdraft limit of £500 charged at 18.90% EAR Variable. Overdraft fee of £0.00 per month.

General Account Details

Regular Funding/Income: Min £800.00 Per Month (Minimum four direct debit mandates on account per month)
Min 18 Years
None
None
None

Account Management

  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes

Facilities

  • Yes
  • Yes
  • Yes
  • Yes
  • Visa
  • £250
  • Yes

Benefits

- Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.
Eligible for Everyday Rewards: £4 paid for each month where minimum funding requirement of £800 is met, 4 different D/D mandates held, account must be in credit or within agreed overdraft limit at the end of each day. Customers must have logged into Online/Mobile Banking once per month and opted for paperless statements. Earn an additional 5p every time debit card used, up to maximum of £1.50 per month. Rewards paid into nominated account each month or can be donated to selected charities.
£250 cashback for new mortgages, qualifying criteria applies.

Credit Interest Rates

BalanceGross Rate %AER %
£0.01 +0.00% 0.00%

Arranged Overdraft

Yes
Minimum BalanceRate %EAR %
£0.011.46% - Per Month18.90%
£0.01 and over:- £0.00 Per Month
£0.01 and over:- £0.00 Per Request
£0.01 and over:- £0.00 Per Request
21:00 same day
N/A
N/A

Unarranged Overdraft

Yes
Minimum BalanceRate %EAR %
£0.011.46% - Per Month18.90%
£0.01 and over (If overdraft occurs):- £10.00 Per Month. £0.01 and over (If overdraft increases):- £10.00 Per Day
£0.01 and over: £0.00
21:00 same day
N/A
£20.00
N/A

Foreign Usage Charge (Europe / Worldwide)

  • £0.00 / £0.00
  • 2.75% / 2.75%
  • 2.00% (Min £2.00) / 2.00% (Min £2.00)
  • 2.75% / 2.75%
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