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Ethical Banking Services for Personal and Business Needs
The Co-operative Bank has been a pioneer in ethical banking since its establishment, consistently prioritising responsible financial practices and customer-centric values. Our team combines decades of banking expertise with a commitment to transparency, ensuring all services align with our unique Ethical Policy. We specialise in delivering accessible, secure, and socially conscious financial solutions, including current accounts, savings products, and mortgages, while maintaining rigorous compliance with industry standards. Our dedication to innovation is reflected in our highly rated mobile banking app and AA WCAG 2.1 accredited digital services.Recognised as a Which? Eco Provider for three consecutive years, we guarantee that customer funds are never invested in fossil fuels or unethical industries, reinforcing our position as a trusted leader in ethical finance.
Services
Current Accounts
Savings Accounts
Mortgages
Credit Cards
Mobile Banking
Ethical Investment
Online Banking
Fraud Protection
Accessible Banking
International Payments
Highlights and features
- We offer ethical banking services prioritising responsible investments
- Our mobile app provides secure and convenient banking
- We guarantee no investments in fossil fuels or oppressive regimes
- Our team has over 150 years of combined ethical banking experience
- We provide AA WCAG 2.1 accredited accessible digital services
Associations and certifications
- Digital Accessibility Centre (DAC)
What people say
Ethical banking
User-friendly app
Reliable service
Customer support
No hidden fees
Services
Current Accounts
We offer a range of current accounts including standard, packaged, and basic options. Our accounts provide ethical banking solutions with optional overdraft facilities and competitive features. Customers benefit from 24/7 fraud protection and accessible banking services designed to meet diverse financial needs.
Savings Accounts
Our savings products include instant access, fixed rate, and ISA options. The Co-operative Bank Access Saver 5 account offers tiered interest rates based on withdrawal frequency. All savings are protected by the Financial Services Compensation Scheme up to 85,000 per eligible depositor.
Mobile Banking
Our award-winning mobile app enables secure account management, instant payments, and real-time transaction monitoring. Features include biometric login, digital wallet integration, and instant notifications for suspicious activity. The Co-operative Bank app supports over 2 million customers with AA accessibility accreditation.
Ethical Investment
We guarantee no investment in fossil fuels, oppressive regimes, or unethical labor practices. Our Ethical Policy is independently verified and customer-led, ensuring all financial decisions align with environmental and social responsibility principles that have defined our operations since 1872.
Mortgages
We provide residential mortgages with flexible repayment options and competitive rates. Existing customers can switch deals or request additional borrowing. Our mortgage services include overpayment calculators and redemption statements, though we currently don't offer new mortgages except through brokers.
Questions
What makes The Co-operative Bank Co-operative Bank different from other banks?
We operate under a unique Ethical Policy that prevents investment in fossil fuels, oppressive regimes, and unethical practices. This customer-led policy has guided our decisions since 1872.
How do I access my account securely?
Use our mobile app with biometric authentication, online banking with two-factor verification, or contact our 24/7 fraud line for immediate assistance with suspicious activity.
Are my savings protected?
Yes, eligible deposits are protected by the Financial Services Compensation Scheme up to £85,000 per depositor under FCA regulations.
Can I get a mortgage as a new customer?
We currently only offer mortgages to existing customers or through brokers. New applicants should contact us directly or consult a mortgage advisor.
How do I report fraudulent activity?
Call our 24/7 fraud line immediately at 03457 212 212 for current accounts or 0345 600 6000 for credit cards to report lost cards or suspicious transactions.
What accessibility features do you offer?
Our website has AA WCAG 2.1 accreditation, and we provide text relay services, branch assistance, and accessible banking materials for customers with disabilities.
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