How you earn
0% currency conversion fees on debit card payments aborad.
Annual fee
£0
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
Using it abroad
No spend rewards — 0% currency conversion fees on debit card payments abroad.
- 0% currency conversion fees on debit card payments abroad for all Co-operative Bank current account customers (updated 2026). Other fees (e.g. ATM operator charges) may still apply.
- Converts at the Visa exchange rate.
Who can apply
You need to be a UK resident 16+ (aged 18+ for overdraft).
