Annual fee
£144
£12 per month
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
Worldwide family travel, phone and UK & European breakdown cover for £12/month — the cheapest insured packaged account since the 2026 fee cut.
Fee was £18 until mid-2026 — older comparisons overstate the cost.
No currency conversion fees on debit card spending abroad — Co-op scrapped its 2.75% foreign transaction fee across all current accounts in summer 2026.
No minimum pay-in.
No cashback or points — the cheapest packaged account with insurance on the market since its 2026 fee cut: AXA worldwide family travel insurance (including winter sports, cover to age 79), RAC UK & European breakdown cover with home start, and worldwide family mobile phone insurance (up to £1,500 per phone).
The Co-operative Bank Everyday Extra is a packaged current account debit card, and its strongest suit is overseas spending - we rate it the best rate we've measured, with practically nothing off the real exchange rate on Visa. At £12 per month (cut from £18 in 2026), you're paying for AXA worldwide family travel insurance, RAC breakdown with home start, and mobile phone cover up to £1,500 per phone. I'd note it pays no cashback or points, so the value case rests entirely on whether you'd use those insurances.
Best Savings Accounts in the UK (April 2026)
Four 8% regular savers, 5% fixed bonds, Premium Bonds' rise to 4.35% and the top easy access and cash ISAs.
Nine UK banks are legally required to offer you a free basic account — even with bad credit.
Santander has just launched a market-leading 8% Regular Saver, but before you rush to open it, read this first.
Packaged bank accounts can be great value — but only if the insurance is genuinely strong. Here’s how the UK’s top premium accounts compare in 2026.
See who qualifies for the £300 offer and how to claim it.
A look at the best current account switch offers available now, including bonuses of up to £500.
Savings rates remain competitive in March 2026, regular savers paying up to 7.5% and easy access accounts above 4%.
Similar cards from the same category.
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