# Co-operative Bank **URL:** \ **Category:** UK Integrations 🇬🇧\ **Created:** [August 8, 2019, 10:37am UTC](https://community.emma-app.com/t/co-operative-bank/3906 "2019-08-08T10:37:25Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![Nikko672](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/nikko672/32/550_2.png) [@Nikko672](https://community.emma-app.com/u/Nikko672)\ **Post date:** [August 8, 2019, 10:37am UTC](https://community.emma-app.com/t/co-operative-bank/3906/1 "2019-08-08T10:37:25Z")
Any plan to integrate Co-operative Bank credit cards? My current account and savings accounts with Co-op come up but not my credit card. ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [August 8, 2019, 5:20pm UTC](https://community.emma-app.com/t/co-operative-bank/3906/2 "2019-08-08T17:20:19Z")
Yes, we should be able to get them via Open Banking once we fully transition next month. ---
**Author:** ![Nikko672](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/nikko672/32/550_2.png) [@Nikko672](https://community.emma-app.com/u/Nikko672)\ **Post date:** [August 8, 2019, 5:47pm UTC](https://community.emma-app.com/t/co-operative-bank/3906/3 "2019-08-08T17:47:56Z")
Great. Thanks for the prompt response. ---
**Author:** ![NatMae](https://avatars.discourse-cdn.com/v4/letter/n/d07c76/32.png) [@NatMae](https://community.emma-app.com/u/NatMae)\ **Post date:** [January 16, 2022, 4:48pm UTC](https://community.emma-app.com/t/co-operative-bank/3906/4 "2022-01-16T16:48:21Z")
Hi, im just new here and was wondering if the co-op bank will be re-added? ---
**Author:** ![Seb](https://avatars.discourse-cdn.com/v4/letter/s/8edcca/32.png) [@Seb](https://community.emma-app.com/u/Seb)\ **Post date:** [January 17, 2022, 11:42am UTC](https://community.emma-app.com/t/co-operative-bank/3906/5 "2022-01-17T11:42:10Z")
Unfortunately, this is the still latest situation with Co-operative Bank, Metro Bank and John Lewis Partnership Credit Card: > [@Metro Bank Integration](https://community.emma-app.com/t/metro-bank-integration/3989/2): > > Hi @danjameswalker, > > Unfortunately, Metro don’t offer a proper API, only a “modified customer interface” (MCI) which isn’t the same thing. This allows them to say that they are Open Banking “compliant” even though they don’t have an API. > > For more information on this, see [this post](https://community.emma-app.com/t/metro-bank-is-no-longer-available/1721/16). > > I’m sure Emma will quickly integrate Metro support again if they do launch a real API. It’s the same story for Co-operative Bank. However, it does seem like things may change later this year, if regulators agree to change the rules around Open Banking: > [@John Lewis Integration](https://community.emma-app.com/t/john-lewis-integration/3899/20): > > mandating API support seems to be something regulators are now actively considering, and could result in a change to Open Banking requirements as soon as next year. > > So this is now looking more positive: > > > [@John Lewis Integration](https://community.emma-app.com/t/john-lewis-integration/3899/12): > > > > the idea of forcing all financial providers to support API Open Banking is being looked at by regulators, but there is concern that it would be too costly for some small providers so they are reticent to force the issue. ---
**Author:** ![jamiehoyle](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/jamiehoyle/32/1679_2.png) [@jamiehoyle](https://community.emma-app.com/u/jamiehoyle)\ **Post date:** [December 5, 2022, 4:21pm UTC](https://community.emma-app.com/t/co-operative-bank/3906/6 "2022-12-05T16:21:06Z")
It looks like the Co-operative Bank now have proper dedicated interface support and a well-documented API: [Information for TPPs | Business Open Banking | The Co-operative Bank](https://www.co-operativebank.co.uk/business/online-banking/open-banking/information-for-tpps/) > **[Coop Dashboard](https://coop.dashboard.sandbox.token.io/swagger)** > > Token's PSD2 compliant open banking platform creates an ecosystem of banks and developers to easily and securely move money and information globally. Please would it be possible for Emma to re-consider Co-operative Bank integration? ---
**Author:** ![Seb](https://avatars.discourse-cdn.com/v4/letter/s/8edcca/32.png) [@Seb](https://community.emma-app.com/u/Seb)\ **Post date:** [December 5, 2022, 11:39pm UTC](https://community.emma-app.com/t/co-operative-bank/3906/7 "2022-12-05T23:39:53Z")
Please look into this @edoardomoreni! It would be great if you could use the new API to add support for Co-operative Bank and Smile accounts. ---
**Author:** ![Spikings](https://avatars.discourse-cdn.com/v4/letter/s/ebca7d/32.png) [@Spikings](https://community.emma-app.com/u/Spikings)\ **Post date:** [December 15, 2022, 9:28am UTC](https://community.emma-app.com/t/co-operative-bank/3906/8 "2022-12-15T09:28:19Z")
Yes, please please PLEASE consider integrating Co-op again! I’ve been waiting all year for it to be app-friendly (changing banks hasn’t been in the cards for me this year) and I’m super pumped to actually get a hold of my finances. ---
**Author:** ![DavidMaidstone](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/davidmaidstone/32/2644_2.png) [@DavidMaidstone](https://community.emma-app.com/u/DavidMaidstone)\ **Post date:** [December 22, 2022, 9:58am UTC](https://community.emma-app.com/t/co-operative-bank/3906/9 "2022-12-22T09:58:15Z")
Yes and Smile again please. ---
**Author:** ![KAndres](https://avatars.discourse-cdn.com/v4/letter/k/e36b37/32.png) [@KAndres](https://community.emma-app.com/u/KAndres)\ **Post date:** [January 6, 2023, 8:57pm UTC](https://community.emma-app.com/t/co-operative-bank/3906/10 "2023-01-06T20:57:29Z")
Yes please add Co-operative bank otherwise there’s no point me using the app 🙄 ---
**Author:** ![Connor](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/connor/32/2104_2.png) [@Connor](https://community.emma-app.com/u/Connor)\ **Post date:** [January 10, 2023, 12:07pm UTC](https://community.emma-app.com/t/co-operative-bank/3906/11 "2023-01-10T12:07:48Z")
Hey Everyone, Apologies, but no updates on Co-op yet! We will keep you updated if anything changes 🙂 ---
**Author:** ![MariaB](https://avatars.discourse-cdn.com/v4/letter/m/779978/32.png) [@MariaB](https://community.emma-app.com/u/MariaB)\ **Post date:** [March 30, 2023, 7:00am UTC](https://community.emma-app.com/t/co-operative-bank/3906/12 "2023-03-30T07:00:59Z")
Any news on this? It seems that Coop has an API and this conversation has been going on for years. I am with the coop and would switch to Triodos if you integrated that, but you have neither and the fact that you just keep giving basic answers on integration and no ETA is frustrating. I would not have joined if I had known there isn’t even a plan to integrate the only ethical banks in the UK. An update would be much appreciated @edoardomoreni ---
**Author:** ![MariaB](https://avatars.discourse-cdn.com/v4/letter/m/779978/32.png) [@MariaB](https://community.emma-app.com/u/MariaB)\ **Post date:** [June 15, 2023, 7:19am UTC](https://community.emma-app.com/t/co-operative-bank/3906/13 "2023-06-15T07:19:32Z")
Hi there @edoardomoreni @Connor Is there an update on Coop integration? To be honest EMMA is pretty pointless for me because Coop is my main bank account, so I need to know your ETA to decide whether to continue subscribing or deleting my EMMA account. Thanks ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [June 15, 2023, 8:49am UTC](https://community.emma-app.com/t/co-operative-bank/3906/14 "2023-06-15T08:49:20Z")
Hi @MariaB, this bank lives in the past - we can’t do anything about it. They have decided not to implement an Open Banking API. ---
**Author:** ![DavidMaidstone](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/davidmaidstone/32/2644_2.png) [@DavidMaidstone](https://community.emma-app.com/u/DavidMaidstone)\ **Post date:** [June 15, 2023, 12:53pm UTC](https://community.emma-app.com/t/co-operative-bank/3906/15 "2023-06-15T12:53:00Z")
Presumably @edoardomoreni they did used to implement it as Smile used to integrate when I joined Emma, then stopped. Thankfully I moved to Nat West. ---
**Author:** ![Seb](https://avatars.discourse-cdn.com/v4/letter/s/8edcca/32.png) [@Seb](https://community.emma-app.com/u/Seb)\ **Post date:** [June 16, 2023, 12:43am UTC](https://community.emma-app.com/t/co-operative-bank/3906/16 "2023-06-16T00:43:12Z")
Smile, Co-operative Bank, Metro Bank, Tesco Bank and John Lewis Partnership Card (at the time) all used a “Modified Customer Interface” (MCI) connection, which worked through screen-scraping and effectively saw Emma logging into a version of your bank’s online banking “as you”. This approach was not recommended by regulators and all banks using it had to either implement a proper API or, if permitted, they could continue with MCI (which they were only allowed to do if they met regulatory exemptions). The majority implemented an API, so most aggregators like Emma dropped support for remaining MCI connections some time ago due to their inherent security risks, instability and poor customer experience. Metro Bank and Co-op (including Smile) have **still** failed to bring out an API after all this time, so there is little that Emma can do. The background to this is further up the thread in my [earlier post](https://community.emma-app.com/t/co-operative-bank/3906/5?) and also, if you are interested and can follow the technical details, is [publicly available elsewhere](https://www.banfico.com/the-end-of-mci-as-primary-open-banking-interface/). ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [June 16, 2023, 7:44am UTC](https://community.emma-app.com/t/co-operative-bank/3906/17 "2023-06-16T07:44:55Z")
I’d add that we could even had them, but you need to login via username and password all the time even to refresh the bank login. ---
**Author:** ![M1keSkydive](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/m1keskydive/32/797_2.png) [@M1keSkydive](https://community.emma-app.com/u/M1keSkydive)\ **Post date:** [October 29, 2023, 9:39am UTC](https://community.emma-app.com/t/co-operative-bank/3906/18 "2023-10-29T09:39:19Z")
I see co-op bank has an open banking page but can’t see them on Truelayer’s status page. Any knowledge from your end on when they might be supported? ---
**Author:** ![edoardomoreni](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/edoardomoreni/32/9_2.png) [@edoardomoreni](https://community.emma-app.com/u/edoardomoreni)\ **Post date:** [October 29, 2023, 10:37am UTC](https://community.emma-app.com/t/co-operative-bank/3906/19 "2023-10-29T10:37:32Z")
They have been refusing to build an Open Banking API - they use a fallback that logs you out every time we try to refresh the account. I don’t think they have any plans and we have decided to support OB APIs only, so that the experience is smooth. ---
**Author:** ![M1keSkydive](https://yyz2.discourse-cdn.com/flex030/user_avatar/community.emma-app.com/m1keskydive/32/797_2.png) [@M1keSkydive](https://community.emma-app.com/u/M1keSkydive)\ **Post date:** [October 29, 2023, 12:59pm UTC](https://community.emma-app.com/t/co-operative-bank/3906/20 "2023-10-29T12:59:58Z")
I’ve found this on their website, does this suggest they offer an API? > **[Open Banking and TPPs | Online banking | The Co-operative Bank](https://www.co-operativebank.co.uk/help-and-support/ways-to-bank/open-banking/)** > > Find out more information about open banking from The Co-operative Bank. Learn about third party providers (TPPs) and how you can control your money. [Next page](https://community.emma-app.com/t/co-operative-bank/3906.md?page=2)