Britannia savings accounts, simplified

We’ve transferred all our Britannia customers’ savings accounts across to Co-operative Bank savings accounts. Find information about your new account, including a Summary of Changes and frequently asked questions.

Why has my account been transferred?

We've simplified our range of savings accounts by bringing all of our Britannia and Co-operative Bank accounts together under the single brand of The Co-operative Bank, and we’ll no longer be offering Britannia accounts.

By offering a simpler, more select range of accounts, we're aiming to make it easier for you to find the accounts which are ideal for you, and most suitable for your needs or circumstances.

The original ethical bank

Our co-operative values and ethics are fundamental to who we are. This is why we commit to standing up for causes that our customers care about.

Summary of Changes

The tables below show which Co-operative Bank account we have transferred you to, based on the account you had with Britannia, and a Summary of Changes document.

The Summary of Changes displays the key information and differences between your original Britannia account and your new Co-operative Bank account.

For up to date interest rates across our savings accounts, please see the following:

I had an instant access or limited access account

Britannia account Co-operative Bank account Summary of Changes Britannia account Direct Saver Co-operative Bank account Smart Saver Summary of Changes Direct Saver (PDF) Britannia account Direct Saver Reserve Co-operative Bank account Smart Saver Summary of Changes Direct Saver Reserve (PDF) Britannia account EasySaver Co-operative Bank account Smart Saver Summary of Changes EasySaver (PDF) Britannia account First Saver Plus Co-operative Bank account Smart Saver Summary of Changes First Saver Plus (PDF) Britannia account First Saver Plus Passbook Co-operative Bank account Smart Saver Summary of Changes First Saver Plus Passbook (PDF) Britannia account First Saver (aged 16 and over) Co-operative Bank account Smart Saver Summary of Changes First Saver - customers aged 16 and over (PDF) Britannia account First Saver (aged 15 and under) Co-operative Bank account Future Fund Summary of Changes First Saver - customers aged 15 and under (PDF) Britannia account Flexible Savings Co-operative Bank account Smart Saver Summary of Changes Flexible Savings (PDF) Britannia account Flexible Savings Passbook Co-operative Bank account Smart Saver Summary of Changes Flexible Savings Passbook (PDF) Britannia account Maturity Saver Co-operative Bank account Smart Saver Summary of Changes Maturity Saver (PDF) Britannia account Instant Access Deposit Co-operative Bank account Smart Saver Summary of Changes Instant Access Deposit (PDF) Britannia account Select Saver Co-operative Bank account Smart Saver Summary of Changes Select Saver (PDF) Britannia account Select Access Saver 1-14 Co-operative Bank account Select Access Saver 1 Summary of Changes Select Access Saver 1-14 (PDF)

I had a cash ISA

Britannia account Co-operative Bank account Summary of Changes Britannia account 30 Day Notice Cash ISA Co-operative Bank account Cash ISA 2 Summary of Changes 30 Day Notice Cash ISA (PDF) Britannia account Additional Allowance ISA Co-operative Bank account Cash ISA 3 Summary of Changes Additional Allowance ISA (PDF) Britannia account Cash ISA Co-operative Bank account Cash ISA 2 Summary of Changes Cash ISA (PDF) Britannia account Instant Access Cash ISA Co-operative Bank account Cash ISA 2 Summary of Changes Instant Access Cash ISA (PDF) Britannia account Limited Access Cash ISA Co-operative Bank account Cash ISA 3 Summary of Changes Limited Access Cash ISA (PDF) Britannia account Select Access Cash ISA 1-5 Co-operative Bank account Cash ISA 3 Summary of Changes Select Access Cash ISA 1-5 (PDF)

I had a fixed rate account

Britannia account Co-operative Bank account Summary of Changes Britannia account Fixed Rate Bond Co-operative Bank account Fixed Term Deposit Summary of Changes Fixed Rate Bond (PDF) Britannia account Fixed Rate Cash ISA Co-operative Bank account Fixed Rate Cash ISA Summary of Changes Fixed Rate Cash ISA (PDF)

I had a Child Trust Fund

Britannia account Co-operative Bank account Summary of Changes Britannia account Child Trust Fund Co-operative Bank account Child Trust Fund Summary of Changes Child Trust Fund (PDF) Britannia account Matured Child Trust Fund Co-operative Bank account Matured Child Trust Fund Summary of Changes Matured Child Trust Fund (PDF)

I had an offset mortgage

Britannia account Co-operative Bank account Summary of Changes Britannia account Savings Mortgage Co-operative Bank account Offset Saver Summary of Changes Offset Savings (PDF)

Where can I find more information about my new account?

Find out more about your account, such as the interest rate, features and benefits.

If you've been transferred to our Fixed Term Deposit or Fixed Rate Cash ISA, you can refer to your welcome letter or statement to check your interest rate. You can also log onto online banking or the mobile app, visit us in branch or contact us.

If you’ve been transferred to our Future Fund or Smart Saver account, you can find more information on our savings accounts page. Go to savings accounts

If you’ve been transferred to our Select Access Saver 1, Cash ISA 2 or Cash ISA 3, you can find information about your interest rate on our interest rates page. Go to interest rates

If you’ve been transferred to our Child Trust Fund or Matured Child Trust Fund, you can find more information on our Child Trust Funds page. Go to Child Trust Funds

If you’ve been transferred to our Offset Saver account, you can find more information on our simplifying mortgages page. Go to simplifying mortgages page

Frequently asked questions (FAQs)

General questions
Instant access and limited access account questions
Cash ISA questions
Fixed rate account questions
Child Trust Fund questions

General FAQs

What does this change of account mean for me and my money?

The Co-operative Bank account gives you more options for managing your account. You can visit our branches, contact us by telephone or manage your account on the go, through online and mobile banking. You’ll also receive statements of all transactions, with the option of choosing to have paperless statements, with digital access 24 hours a day, 7 days a week. You can find more information about the changes that will apply to you in the summary of changes tables by selecting the account you have with us.

Will I keep the same account number?

No, when your account switches you’ll receive a new Co-operative Bank sort code and account number.

What do I need to do now that I have my new account details?

There are a number of ways to bank with us: Register for Telephone Banking – You’ll need your new account number and sort code. Call 03457 212 212 to request your 4 digit telephone banking security code. Lines are open 8am-6pm Monday to Friday, 9am-5pm Saturday and Sunday. Call charges apply. Register for Online Banking – A convenient and secure way to manage your money. As well as being able to manage and transfer your money, you can download statements, update your personal details, access our help and support hub, message us and more. Find out more about online banking. Register for the Mobile App – Our banking app is a quick and secure way to manage your money from your mobile phone. Before you can use the app, you’ll need to register for online banking. This can be done within the app. For verification you’ll also need your mobile or email address. Find out more about mobile banking. Visit one of our branches – Our branch colleagues can help with your everyday banking needs. Find a branch

I've lost or forgotten the details for a Britannia account. What do I do?

Your full name, or full name of the account holder
Other names by which you or the account holder has been known (e.g. before marriage)
Date of birth
Details of any previous addresses lived at since the account was opened
The name or names of any other account holders
Estimated date when the account was opened.

You can contact us by:

Visiting your local branch
Calling us on 03457 212 212 (call charges).

If we're unsuccessful in tracing a particular account, we'll assess the next steps we can take. Alternatively, you can visit the free 'my lost account' website where you can also get help tracing your lost accounts and savings.

Please note: if you have money in a lost or forgotten account, it will always be yours - no matter how old it is.

Will I still have a passbook?

You’ll no longer need a passbook with a new Co-operative Bank account and your passbook can no longer be updated. You’ll have more options for managing your account: in our branches, by contacting us by telephone or on the go, through online and mobile banking. You’ll also receive statements of all transactions with the option of choosing to have paperless statements, with digital access 24 hours a day, 7 days a week.

Can I use the account at my normal branch?

Yes, you can use any of our branches. Find a branch

How will my personal data be used when my account switches?

The details of how we process your personal data has not changed. If you're concerned about any personal data processing, you can refer to the privacy policy (PDF).

What if I don’t want a new Co-operative Bank savings account?

You can choose to close your account and transfer your money to an existing Co-operative Bank account with us, or to an account with another provider.

Does Britannia participate in the Unclaimed Assets Scheme?

Britannia (as part of The Co-operative Bank plc) is part of the statute-backed Unclaimed Assets Scheme, who works to close inactive accounts and reunite customers with unclaimed funds. If your Britannia account was classed as dormant and attempts to contact you failed, the balances may have been transferred to Reclaim Fund Ltd (RFL). This not-for-profit fund holds money from the dormant accounts (also known as unclaimed assets) of customers, then distributes it to good causes in the UK. You have the right to reclaim your money after the funds have been sent to the Reclaim Fund. We retain customer records for dormant accounts, so all accounts reinstated will include any interest due. All transferred account money will still be covered by the Financial Ombudsman Service. Any Britannia accounts that are transferred to the Co-operative Bank will no longer participate in the Unclaimed Assets Scheme.

How do I request a statement?

You can request a statement for your savings account by calling us on 03457 212 212 call charges. We'll ask you to confirm your account number and some personal information.

How do I request a statement of interest?

Following the introduction of the Personal Savings Allowance on 6th April 2016, we pay interest without deducting income tax. If you earn more interest than the amount permitted as tax-free income, you’ll have to pay tax on the interest directly to HMRC. If you need a statement detailing any interest paid since the 6th April 2016, please call 03457 212 212 call charges and we'll send a statement to your registered correspondence address. Lines are open Monday to Friday 8am to 6pm. Please note: Interest from Individual Savings Accounts (ISAs) doesn’t count towards your Personal Savings Allowance because it’s already tax-free.

Interest paid prior to 6th April 2016

A Statement of Deduction of Tax (Section 975 Certificate) can be issued for interest paid and tax deducted prior to 6th April 2016. The certificate illustrates the gross amount of interest paid, tax deducted and the amount paid into your account. If you need a certificate, please call us on the number above and we'll send one to your registered correspondence address.

What will my new interest rate be?

For most products there will be no change to your interest rate as a result of the transfer of your account to The Co-operative Bank. If your interest rate changed as a result of the transfer we will have communicated this to you in your notification letter. You can view our current interest rates on the following pages: Interest rates for existing savings accounts Interest rates for savings accounts that are no longer available to new savers