How do I check my cooperative bank account balance?

Frequently asked questions

HOW CAN I CHECK MY ACCOUNT BALANCE?

– A Co-op Kwa Jirani agent near you
– From the ATM using your debit card
– Through your MCo-op Cash app
– Mobile access through dialing *667#

1. Home
2. Help and support
3. Ways to bank
4. Home banking

Mobile banking

Mobile banking is a quick and secure way for you to manage your money. You can view your balance, keep track of transactions, make payments and much more.

Download our mobile banking app.

Download on the App Store
Get it on Google Play

Help with mobile banking

How to log in to the mobile app

Once you are registered for the mobile app, you'll be asked to log in each time you want to open the app. You will need your 6-digit passnumber or Touch or Face ID you set up when registering. Once you have logged in you will have access to your bank account/s.

If you haven't set up Touch or Face ID you can easily enable this on your device. When you're logged into the app follow these simple steps:

• from the top right hand side of your screen select 'Menu'
• next, choose 'My settings and details'
• from here you'll see 'Login with Touch ID / Face ID*' if you have an Apple device. If you have an Android device you'll see 'Login with your fingerprint'
• slide the toggle to the right.

*Please note that Face ID is only available on Apple devices.

How to set up a payment to someone new in the mobile app

When setting up a payment to someone new we'll always ask you to verify the payment by using your fingerprint, passnumber or Face ID. Protecting you from fraud is our top priority. When paying someone new we will check that you're confident about who you are paying. We'll do this by guiding you through tailored information about the type of payment you're making. If you do not want to continue or you are unsure about making the payment, you'll have the option to cancel it and contact us to discuss your concerns.

Follow the simple steps to make a payment to someone new:

• log into the app select 'View account' from the account you want to make the payment from
• select 'Payment & transfers'
• select 'Save and pay a new payee'
• select what the payment is for
• enter the payment details: - 'Payee name' this is the persons name who you are paying
  - Sort code of the persons account you are paying
  - Account number of the persons account you are paying
  - The reference is optional but helps the person you are paying know who has paid them. If you are paying another Co-operative bank or smile account and want it to go immediately don't enter a reference unless you are paying credit card
  - The amount of the payment, using the full stop on the keypad as a decimal point
• select 'Review payment', if all the details are correct select 'Confirm payment'
• you'll be asked to verify the payment by using your fingerprint, passnumber or Face ID
• the payment will now be sent immediately unless you are a paying a Co-operative Bank or smile credit card, or have included a reference when sending money to a Co-operative bank or smile account, in these situations please allow 2 business days
• the person's details are now saved if you need to make a payment to them in the future.

How to transfer money between your accounts in the mobile app

Follow the simple steps to make a transfer between your accounts:

• log into the app select 'View account' from the account you want to make the payment from
• select 'Payment & transfers'
• select 'Transfer between my Co-operative Bank accounts'
• select 'To' and choose the account you want to transfer money to
• enter the amount you want to transfer, using the full stop on the keyboard as a decimal point
• select 'Review transfer' and check all the details inputted are correct
• select 'Confirm transfer' to transfer money into your chosen account.

Online banking

If you don’t have a smart phone or would prefer to do your banking on a larger screen, you can use online banking.

Register for online banking

How to register for online banking

We have created a guide to help you register for online banking.

To get started:

• enter your personal details

  Your account number and sort code or 16 digit credit card number, name and date of birth

• verify who you are

  You'll be asked to answer a few questions and we will send you a verification code to your mobile phone or email to help us confirm who you are

• create login details

  Create a username, password and 6-digit security code.

Once you are registered for online banking, you can use the same details you set up to set up our mobile banking app.

How to log in to online banking

Once you are registered for the online banking, you’ll be asked to log in each time. 

To login you will need to:

• enter your username, remember this is case sensitive, select 'Next'
• enter your password
• enter 2 digits that you are prompted for from your 6-digit security code
• if prompted, enter a verification code that we will send to you by text message or email. It's important that you never tell anyone your verification code
• select 'Login', you now have access to online banking.

Log into online banking

How to transfer money between your accounts in online banking

Follow the simple steps to make a transfer between your accounts:

• log into online banking and select 'Move money' from the account you want to make the payment from
• under 'To' select  'One of my Co-operative Bank accounts'
• select from the drop down the account you want to transfer money to
• enter the amount you want to transfer, using the full stop on the keyboard as a decimal point
• select when you want the payment to be sent 'Today' or 'At a future date', if you make a future dated transfer, the money should leave your account by the end of the date you've requested
• select 'Review Details' and check all the details are correct
• select 'Confirm' to transfer money into your chosen account. If you're paying a Co-operative Bank credit card please allow 2 Business Days.

How to set up a payment to someone new in online banking

When setting up a payment to someone new we’ll always ask you to verify the payment by entering your password, 6-digit security code and a verification code we will send to you by text message or email. Protecting you from fraud is our top priority. When paying someone new we will check that you're confident about who you are paying. We'll do this by guiding you through tailored information about the type of payment you're making. If you do not want to continue or you are unsure about making the payment, you will have the option to cancel it and contact us to discuss your concerns.

Follow the simple steps to make a payment to someone new:

• log into online banking and select 'Move money' from the account you want to make the payment from
• select the option to pay a 'New person or company'
• enter the payment details:
  - 'Recipient name' this is the persons name who you are paying
  - 'Recipient account number' of the persons account you are paying
  - 'What’s the sort code' enter the 6 digit sort code of the person you are paying
  - The 'Payment reference' is optional but helps the person you are paying know who has paid them. If you are paying another Co-operative bank or smile account and want it to go immediately don’t enter a reference unless you’re making a payment to your credit card
  - The amount of the payment, using the full stop on the keypad as a decimal point
• select when you want the payment to be sent 'Today' or 'At a future date', if you make a future dated payment, your payment should leave your account by the end of the date you've requested
• select what the payment is for
• select 'Review payment', if all the details are correct select 'Confirm payment'
• you'll need to enter your password, 6-digit security code and a verification code we will send to you by text message or email. It's important that you never tell anyone your verification code
• your payment is now made, click 'Ok' to return to your account.

The details you have set up will be stored as an 'existing recipient' for the next time you want to make a transfer to that recipient.

Please note: Your payment should reach the payee's account immediately. Unless; you're paying a Co-operative Bank or smile credit card or you include a reference and send money to a Co-operative Bank or smile account. In these situations, please allow 2 Business Days.

Automated telephony service

With our automated telephony service you can, check your balance, make transfers between your Co-operative Bank accounts, make payments to your Co-operative Bank credit card and check your recent transactions.

How to use our automated telephone service

To do this you will need:

• your account number and sort code, these can be found on a bank statement or your debit card or your 16 digit credit card number, this can be found on your credit card or statement
• 4 digit telephone banking security code.

You can access these automated services 24/7 through the numbers below:

For credit card enquiries 0345 600 6000 (call charges)

For all other accounts 03457 212 212  (call charges)

You will then be able to access a range of self-service banking actions:

• to check your balance of every account select option 1 then option 2
• to listen to your last 6 credits select option 2 then option 1 and last 6 debits select option 2 then option 2 again
• to make payments between your accounts select option 3 then option 1, if you're making a payment to your Co-operative Bank credit card select option 3 then option 2
• to order statements or stationery such as post office envelopes select option 4
• to reissue your PIN number to the address we hold for you select option 5.

If you have a credit card you can also check your minimum payment, full balance and remaining available credit using our credit card line by listening to the options and selecting the relevant number.

Can I access my cooperative bank account online?

How do I check my account balance?

How do I check my bank account balance on my phone?

How can I access my cooperative bank account using my phone?