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Their own payment-practices filing · gov.uk

How long does The Co-operative Bank P.l.c. take to pay its suppliers?

CRN 00990937 · Financial services · 17 statutory reports on record · period to 30 Jun 2026

16days
their reported average time to pay suppliers, latest period
Faster than mostvs a 31-day median across 6,185 recent filers

Self-reported figure from their statutory filing. How this is compiled.

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On the public register · Companies House

Company record

Status
Active
Type
Public Limited Company
Incorporated
5 Oct 1970
Registered office
1 BALLOON STREET, MANCHESTER, M4 4BE
23 outstanding charges — secured borrowing registered Accounts due 30 Jun 2027

Open the full record at Companies House.

Terms vs reality

Stated terms: 30 days. Reported average: 16.

Stated terms30d
-14 days
Reported avg16d

At a glance

The key figures

30d
their stated terms
9%
invoices paid outside terms
-4d
faster over the window
±1d
steady pattern

Vs peers · latest reported averages

fasterslower
Faster than 74% of the 661 large companies reporting in financial services.

The pattern

Getting faster

Average days to pay across their last 6 statutory reports.

terms 30d
20
20
18
18
18
16
H2 2023H1 2024H2 2024H1 2025H2 2025H1 2026

Where their supplier invoices land · latest period

within 30 days 92% 31–60 days 7% 61+ days 1%

The read · computed from their figures

The Co-operative Bank P.l.c. has filed 17 statutory payment periods (earliest H1 2018). Their latest report puts the average at 16 days against stated terms of 30 days.

The direction is faster: from 20 to 16 days over the window — about 4 days faster.

In the latest period 9% of invoices were paid outside their agreed terms, and 1% landed 61+ days out.

What they tell their suppliers

Offers e-invoicing 3% of invoices in dispute

In their own words · from the filing

Standard payment terms

The Banks preferred payment terms are 30 days and this submission reflects 30 days (our most commonly used term)

Dispute resolution

Disputing an Invoice If the accuracy or completeness of an invoice is in question, a dispute will be filed with the supplier. A dispute can be defined as any discrepancy showing that something might not be true or accurate with the invoice/billing document that may result in the delay of payment. Notifying the Supplier > The supplier should be notified within 7 calendar days from the date the Co-operative Banks Accounts Payable department first receive the invoice. > Send an email notice of dispute to the supplier. State in the email that the referenced invoice is being returned for the following reasons: Supplier has not complied with the Accounts Payable Invoice & Credit note requirements policy There is a problem with the invoice provided (for example t

Every statutory report on record

Most recent first.

PeriodAvg daysOutside terms61+ daysFiled
H1 2026169%1%28 Jul 2026
H2 2025184%1%29 Jan 2026
H1 2025182%2%30 Jul 2025
H2 2024184%2%7 Mar 2025
H1 2024204%4%30 Jul 2024
H2 2023203%4%30 Jan 2024
H1 2023234%4%28 Jul 2023
H2 2022278%7%27 Jan 2023
H1 20223912%9%25 Jul 2022
H2 20214215%11%27 Jan 2022
H1 20213916%10%23 Jul 2021
H2 20204217%12%27 Jan 2021
H1 20204619%16%28 Jul 2020
H2 20194731%19%30 Jan 2020
H1 20194437%17%30 Jul 2019
H2 20184339%15%28 Jan 2019
H1 20184230%13%30 Jul 2018

Quick answers

Are they getting slower or faster?
Their reported average has moved about 4 days faster over the window (20 → 16 days).
What's their typical pay point?
Their latest reports average around day 16, moving within about ±1 days. Treat that as a historical reference point, not a promise for a new invoice.
Can I see what this means for my invoices?
Run the live check — it re-reads their record and their live Companies House file, on the amount you invoice.

Stay ahead

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Their next payment report is due ≈ 26 Jan 2027. We watch their public record and email you when something changes — a new payment report, late filings, insolvency markers, new charges.

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How UK payment reporting works

What is a Payment Practices Report?
UK companies and LLPs above a size threshold — broadly, two of: turnover over £54m, balance sheet over £27m, or more than 250 employees — must report twice a year, under the Reporting on Payment Practices and Performance Regulations 2017, how quickly they actually pay suppliers: the average time to pay, the share of invoices paid in 30 days or fewer, 31 to 60 days and 61 days or longer, and their standard payment terms. Those thresholds apply to financial years beginning on or after 6 April 2025; for earlier financial years they were £36m and £18m, with the same 250-employee test.
What does "paid outside agreed terms" mean?
The share of invoices paid later than the terms in the supplier contract. If terms are 30 days and an invoice is paid on day 45, it counts as paid outside terms, regardless of the headline average.
How often is this data updated?
Each report covers a six-month period and must be filed within 30 days of that period ending, so a company's record refreshes roughly twice a year. PaidLate re-reads the register as new reports are filed.
Is this official government data?
The underlying payment figures come from the company's own statutory filings on the gov.uk payment-practices service; company-status data comes from Companies House. PaidLate calculates trends, comparisons and summaries from those records. It does not use surveys or credit-agency scores.

How this is compiled. Built from official records only: Companies House and the gov.uk payment-practices service. The payment figures are self-reported — companies over the size threshold must file them by law and the board signs them off. No credit-agency data. The numbers are theirs; the plain-English read is ours. This is information compiled from public records under the Open Government Licence v3.0 — not a credit rating and not advice.

The 31-day comparison figure is the median across 6,185 companies with a current statutory report — every sector pooled, not an average of sector medians (how the figure is built).

Report PL-00990937 · latest period to 30 Jun 2026

Verify the original Companies House file

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