Savings accounts — flexible choices for UK savers

From easy access savings to Isa options, find an account that matches your needs while supporting ethical banking.

Competitive rates, transparent terms and helpful online tools.

Why choose Co-operative Bank savings?

  • Ethical investment policy — your deposits support responsible projects.
  • Clear, fair terms with *** hidden fees on eligible accounts.
  • Digital access plus phone support from UK-based advisers.

We offer regular saver plans, instant access accounts and ISAs tailored for different goals — from emergency funds to long-term savings.

Savings illustration

Savings spotlight

Our Easy Access Saver lets you withdraw when you need, while still earning a competitive rate.

Typical variable rate: 1.25% AER

Account types & quick facts

Instant withdrawals with *** penalty on eligible balances. Minimum opening balance £1. Variable AER. Ideal for emergency funds.

Fixed monthly deposits for a set term with higher interest for consistent savers. Limited withdrawals during the term.

Tax-free savings option for UK residents up to the annual ISA allowance. Flexible and fixed-rate ISA products available.

Compare accounts

AccountTypical AERAccessMin balance
Easy Access Saver1.25%Immediate£1
Regular Saver (12m)2.10%Restricted£25/month
Cash ISA (Flexible)1.60%Flexible£1

Savings calculator

Estimate the future value of your savings. Enter your starting balance, monthly deposit and expected annual interest (AER).

Projected balance

£0.00

Calculated with compounding monthly. This is an estimate and not guaranteed.

Calculator illustration

Frequently asked questions

Yes — subject to eligibility. Contact our team for guidance on the ISA allowance and to open an account.

Eligible deposits are protected under the Financial Services Compensation Scheme (FSCS) subject to current limits for UK depositors.

Variable rates can change in response to market conditions and Bank of England base rate changes. Fixed-rate products remain unchanged for their term.

Talk to our savings team

Our advisers can explain account options, help with ISAs and guide you through the application process. Phone lines open weekdays.

Phone:+447915382671

Contact us

Savings adviser
Rachel M.
Savings adviser, Co-operative Bank