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The Co-operative Bank savings rates
12 accounts listed. The highest rate is 7.00% AER on the Regular Saver (Issue 1) (regular saver).
FSCS protection: up to £120,000 per person across everything you hold with The Co-operative Bank p.l.c., which also trades as smile. Money in those counts towards the same limit.
Easy access
| Account | AER | Access | Min to open |
|---|---|---|---|
| Select Access Saver 5 | 3.28% | Easy access | £1 |
| Base Rate Tracker (with an eligible current account)Existing customers | 1.50% | Easy access | £1 |
| Smart Saver | 1.40% | Easy access | £1 |
| Cash ISAISA | 1.40% | Easy access | £1 |
| Base Rate Tracker | 1.25% | Easy access | £1 |
Fixed term
| Account | AER | Access | Min to open |
|---|---|---|---|
| 1 Year Fixed Term DepositBeats inflation | 4.25% | Fixed for 1 year | £1,000 |
| 1 Year Fixed Rate Cash ISAISABeats inflation | 4.25% | Fixed for 1 year | £5,000 |
| 2 Year Fixed Term DepositBeats inflation | 4.25% | Fixed for 2 years | £1,000 |
| 2 Year Fixed Rate Cash ISAISABeats inflation | 4.25% | Fixed for 2 years | £5,000 |
| 3 Year Fixed Term DepositBeats inflation | 4.25% | Fixed for 3 years | £1,000 |
Regular saver
| Account | AER | Access | Min to open |
|---|---|---|---|
| Regular Saver (Issue 1)Beats inflation | 7.00% | Regular saver | £1 / £250 a month |
Children's saver
| Account | AER | Access | Min to open |
|---|---|---|---|
| Future Fund | 1.40% | Easy access | £1 |
Compare The Co-operative Bank with every other bank
Who holds the money
- Deposit-taker
- The Co-operative Bank, a trading name of The Co-operative Bank p.l.c.
- Incorporated in
- United Kingdom
- Regulated
- Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 121885)
- Protection and disputes
- Financial Services Compensation Scheme and Financial Ombudsman Service
- Capital
- Paid-up capital and reserves of £1,270m at 31 December 2024 (latest published accounts).
- Website
- co-operativebank.co.uk. Every "Go to bank" link we show for The Co-operative Bank leads only to this domain.
This page lists every The Co-operative Bank account Juno has checked on the bank's own website, highest rate first. Rates can change at any time: check with the bank before you apply. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank and how we're paid.