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co-operative bank

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About co-operative bank

The co-operative bank is a commercial bank that offers an abundance of credit products for both personal, business and commercial banking customers. These include current accounts, savings, ISAs, personal loans and credit cards to name but a few.

co-operative personal loans

The co-operative offer loans from £2,000 to £25,000 with a repayment term from 1 year to 7 years.  They have interest rates starting from as little as 4.9% APR Representative and going to a maximum of 20.9% APR Representative. There personal loan products are more suited to those with a good or above credit rating.

co-operative personal loans can be used for most things including consolidating existing borrowing, raising cash for home improvements or simply buying a new car.

There are no loan arrangement fees but be aware, should you want to repay your loan early then you may be subjected to the following charges:

If your loan term was less than one year, 28 days additional interest may be charged. If your loan term exceeded one year then 58 days additional interest may be charged.

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co-operative credit cards

Three credit cards are available from the co-operative bank, these are a card specifically set up with incentives for balance transfers, a 3 year fixed rate card for both purchases and transfers. The final card is the member’s card that offers cashback on purchases.

All credit card applications would be subject to the criteria detailed below but your past 3 years address history and your banking details would also be required. The co-operative may also take up to 5 working days to let you know whether or not your application had been successful.

The credit limit assigned to their cards will vary depending on your creditworthiness. Application criteria for a co-operative credit card is detailed below.

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If you are considering applying for a loan or credit card then the following criteria should be considered:

  • You must be aged 18 years or older
  • You are a UK residence
  • Have a minimum gross annual income of £10,000
  • Employed or Self Employed
  • Not had any CCJs or IVAs within 6 years
  • Not currently in arrears for a credit agreement in 6 months
  • For members cards, you must be a member to be eligible for cashback

Contact information

Website
Phone
Address
The Co-operative Bank, 1 Balloon Street, Manchester M60 4EP Google map
Registration no:
990937

FCA registration

Reference no:
121885
Trading names
The Co-operative Bank Plc
Place of business
The Co-operative Bank, 1 Balloon Street, Manchester M60 4EP Google map

Data protection registration

Reference no:
Z5103801
Data controller
The Co-operative Bank Plc
Address
The Co-operative Bank, 1 Balloon Street, Manchester M60 4EP Google map