Their own payment-practices filing · gov.uk
The CO-Operative Bank P.L.C. pays suppliers in 16 days on average — inside its 30-day stated terms
Their H1 2026 filing puts the average 14 days inside their stated 30-day term.
- Their stated terms
- 30 days
- Paid outside agreed terms
- 9% of invoices
- Paid after 61+ days
- 1%
- Reporting period
- 1 Jan 2026 – 30 Jun 2026
- Source
- their gov.uk filing, filed 28 Jul 2026
Self-reported figures from their statutory filing. How this is compiled.
Terms vs reality · their H1 2026 filing
Paid 14 days inside the 30-day term they state
Where their invoices landed · share of all invoices
The pattern · last 6 of 17 reports
20 → 16 days — getting faster
The read · computed from their figures
The CO-Operative Bank P.L.C.'s H1 2026 filing puts their average at 16 days against stated terms of 30 days; 9% of invoices were paid outside agreed terms and 1% took 61 days or longer. Filed 28 Jul 2026.
The direction is faster: from 20 days in H2 2023 to 16 now — 4 days faster across their last 6 reports.
On the latest reported averages: Faster than 74% of the 638 large companies reporting in financial services.
That is 17 statutory periods on record (earliest H1 2018) — a historical record, not a promise for a new invoice.
What they tell their suppliers
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.
| Period | Avg days | Outside terms | 61+ days | Filed |
|---|---|---|---|---|
| H1 2026 | 16 | 9% | 1% | 28 Jul 2026 |
| H2 2025 | 18 | 4% | 1% | 29 Jan 2026 |
| H1 2025 | 18 | 2% | 2% | 30 Jul 2025 |
| H2 2024 | 18 | 4% | 2% | 7 Mar 2025 |
| H1 2024 | 20 | 4% | 4% | 30 Jul 2024 |
| H2 2023 | 20 | 3% | 4% | 30 Jan 2024 |
| H1 2023 | 23 | 4% | 4% | 28 Jul 2023 |
| H2 2022 | 27 | 8% | 7% | 27 Jan 2023 |
| H1 2022 | 39 | 12% | 9% | 25 Jul 2022 |
| H2 2021 | 42 | 15% | 11% | 27 Jan 2022 |
| H1 2021 | 39 | 16% | 10% | 23 Jul 2021 |
| H2 2020 | 42 | 17% | 12% | 27 Jan 2021 |
| H1 2020 | 46 | 19% | 16% | 28 Jul 2020 |
| H2 2019 | 47 | 31% | 19% | 30 Jan 2020 |
| H1 2019 | 44 | 37% | 17% | 30 Jul 2019 |
| H2 2018 | 43 | 39% | 15% | 28 Jan 2019 |
| H1 2018 | 42 | 30% | 13% | 30 Jul 2018 |
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
Quick answers · The CO-Operative Bank P.L.C.
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How UK payment reporting works
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What does "paid outside agreed terms" mean?
How often is this data updated?
Is this official government data?
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 6,104 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
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