Win a luxury Cotswolds retreat

1. The Promoter

The Promoter of this Promotion is:

(a) The Co-operative Bank plc (trading as both “Co-operative Bank” and “smile”) registered in England and Wales No. 990937, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 121885) and whose correspondence address is 1 Balloon Street, Manchester M4 4BE (known as the “Bank” or the “Promoter”).

2. About the Promotion

2.1 The title of the Promotion is the “The Co-operative Bank and Visa ‘Win up to £2,500 or an experience’ Prize Draw’ [previously called ‘Win a Little, Help a Lot’].

2.2 By entering the Promotion, participants agree to be bound by these Terms and Conditions and any instructions or requirements communicated by the Promoter in connection with the Promotion.

3. Promotional Period

3.1 The Promotion will run from 1 August 2026 until 28 February 2027 inclusive (the “Promotional Period”).

3.2 The Promoter reserves the right to amend or shorten the Promotional Period where reasonably necessary.

4. The Prize Draws

4.1 During the Promotional Period, an Eligible Customer may be entered into monthly prize draws for:

(a) Cash prizes; and/or

(b) Where applicable, additional experiential prizes.

4.2 At the end of each calendar month during the Promotional Period, a prize draw will take place (each known as a “Prize Draw”).

5. Prizes

5.1 Unless otherwise states, each monthly Prize Draw will include:

(a) One (1) cash prize of £2,500.00; and

(b) Ten (10) cash prizes of £500.00;
(known as the “Cash Prizes”). 

5.2 Cash Prizes will be awarded to eleven (11) separate winners.  

5.3 During selected months within the Promotional Period, additional experiential prizes may be awarded.  

5.4 Experiential prizes may include:

(a) travel experiences;

(b) hotel stays;

(c) spa breaks;

(d) theatre or entertainment packages;

(e) attraction passes;

(f) dining experiences; and

(g) similar hospitality-based prizes,

(each known as “Experiential Prizes”).

5.5 Details of the applicable Experiential Prize, including:

(a) prize description;

(b) quantity available;

(c) booking restrictions;

(d) validity period; and

(e) any additional eligibility requirements,

will be published on the Promotion website and form part of these Terms.

5.6 The Promoter reserves the right to substitute an Experiential Prize with a prize of equal or greater value where circumstances beyond their reasonable control make this necessary.

6. Eligibility

6.1 The Promotion is open to individuals who:

(a) Are resident in the United Kingdom;

(b) are agreed 18 years or over;

(c) hold an Eligible Current Account; and

(d) have been issued with an Eligible Card.

6.2 Eligible cards are:

(i) a Co-operative Bank VISA Debit card; or

(ii) a Smile VISA Debit card.

6.3 Eligible Current Accounts are:

(a) Cashminder,

(b) Current Account,

(c) Current Account Plus,

(d) Privilege,

(e) Privilege Premier,

(f) Everyday Extra,

(g) Student,

(h) smile Current Account,

(i) smile More, or

(j) smile Student.

6.4 Employees of the Promoter, their agents, prize fulfilment providers and anyone professionally associated with the Promotion may not enter.

7. How to Enter

7.1 To enter the Promotion an Eligible Customer must:

(a) Hold an Eligible Current Account;

(b) Nominate an Eligible Card they wish to use for the Promotion through the registration process;

(c) Register for this Promotion by completing and submitting the online Promotion entry form on the Promotion website located at [https://www.visa.co.uk/campaign/co-operativebank/chancetowin/]; and

(d) Use their nominated Eligible Card to pay for eligible goods or services during the Promotional Period.

(by completing these steps the individual will be known as an “Eligible Customer”).

7.2 No purchase from the Promoter is necessary to enter this Promotion and there is no charge to register for use of the Promotion website.

7.3 A maximum of fifteen (15) entries per Eligible Customer per calendar month will apply. Transaction counts will reset at the start of each calendar month. Further transactions can be made, but will not result in any additional entries into the promotion.

7.4 Excluded Transactions are listed in Schedule 1 and will not generate entries.

7.5 Payments made outside of the UK are eligible to be included, but due to the banking practices and process of other countries, may not be available to be included at the time of the draw.

7.6 Entries must be made by the individual to whom the Eligible Card has been issued. Anyone trying to circumvent this rule by using alternative details will be disqualified from this Promotion. Bulk entries made from trade, consumer groups or third parties will not be accepted. If it becomes apparent that a participant is using a computer(s) to circumvent this condition by, for example, the use of ‘script’, ‘brute force’ or any other automated means, that person’s entries will be disqualified, and any prize awarded will be void. Syndicated entries or those made using methods such as a computer macro, script or the use of automated devices or processes are not allowed, and all such entries will be disqualified, and any prize won will be null and void. If the Promotion is subject to any form of multiple entry activity or other abuse, either as described above or by way of other mechanisms, the Promoter reserves the right to include additional fields on the entry page of the Promotion’s website.

8. Draw Process

8.1 Winners will be drawn at random using a secure process under independent supervision.

8.2 The Promoter’s decision regarding:

(a) eligibility;

(b) prize allocation;

(c) winner selection;

(d) interpretation of these Terms; and

(e) all other matters relating to the Promotion shall be final.

8.3 No correspondence will be entered into regarding the outcome of any draw.

9. Winner Notification

9.1 A Winner of a Cash Prize will be notified by email, telephone, mobile banking message or another suitable communicated by the Promoter.

9.2 Cash prizes will be paid directly into an eligible Co-operative Bank or Smile current account held by the winner within fourteen (14) calendar days of them being selected in the random draw, subject to verification.

9.3 Experiential prize winners will be contacted using their details provided during registration.

9.4 Experiential prize winners must respond within fourteen (14) calendar days of notification and provide any information reasonably required for fulfilment.

9.5 The Promoter reserves the right to verify the eligibility of any Winner and may require such information as is reasonably necessary for this purpose. Failure to provide requested information may result in forfeiture of the prize and selection of an alternative Winner.

9.6 Where a winner:

(a) Cannot be contacted;

(b) fails to respond within the specified period;

(c) declines the prize; and/or

(d) is subsequently found to be ineligible,

the Promoter reserves the right to award the prize to an alternative winner.

9.7 The Promoter’s decision relating to any aspect of the Promotion, including eligibility, entry validity, prize awards, interpretation of these Terms, and who is a Winner is final and binding; therefore no correspondence or discussion will be entered into.

10. Prize Fulfilment

10.1 Cash prizes will be paid within fourteen (14) calendar days of winner verification.

10.2 Cash prizes may only be paid into:

(a) the account associated with the nominated Eligible Card;

(b) another sole Co-operative Bank or smile current account held by the winner; or

(c) where neither is available, a joint account in which the winner is a named account holder.

10.3 Where a Winner does not hold a Co-operative Bank or smile current account they are not eligible for this Promotion and a new winner will be selected.

10.4 Winners are responsible for any personal tax liability arising from acceptance of a prize.

10.5 Experiential prizes may be fulfilled by third-party prize fulfilment providers appointed by the Promoter.

10.6 Winners may be required to provide additional personal information to facilitate travel, accommodation, ticketing or other fulfilment arrangements.

10.7 All bookings are subject to availability.

10.8 Requested travel dates, venues, attractions, accommodation, restaurants, spa facilities and theatre performances cannot be guaranteed.

10.9 Unless expressly stated, any expenses not included within the prize description are the responsibility of the winner.

11. Guest Requirements

11.1 Where an experiential prize includes a guest:

(a) the winner must be one of the travelling or attending parties;

(b) the winner's guest must comply with any venue, travel or supplier requirements;

(c) the winner remains responsible for their guest's conduct.

11.2 The Promoter reserves the right to remove any person from a prize experience where required by the venue, supplier or applicable law.

12. Prize Restrictions

12.1 Prizes are non-transferable, non-exchangeable and non-refundable

12.2 No cash alternative is available for experiential prizes.

12.3 Winners may not sell, auction or otherwise transfer a prize.

12.4 The Promoter reserves the right to refuse any attempted transfer or resale.

12.5 A winner can only win one prize (whether cash or experiential) during each calendar month during the Promotional Period. To clarify, an Eligible Customer cannot win both a cash prize and an experiential prize within the same calendar month.

13. Limitation of liability

13.1 Nothing in these Terms excludes liability for:

(a) death or personal injury caused by negligence;

(b) fraud; or

(c) any liability which cannot lawfully be excluded.

13.2 Subject to clause 13.1, the Promoter shall not be liable for:

(a) technical failures;

(b) lost, delayed or incomplete entries;

(c) interruptions to the Promotion;

(d) acts or omissions of third-party suppliers;

(e) travel disruption;

(f) accommodation cancellation;

(g) event cancellation;

(h) prize supplier insolvency; or

(i) circumstances outside their reasonable control.

13.3 The Promoter does not guarantee the continued availability of any particular hotel, restaurant, attraction, theatre production or other experiential prize component.

14. Data protection and publicity

14.1 The Promoter will only process the personal information provided in the online Promotion entry form for the purposes of:

(a) administering the Promotion in accordance with these terms and conditions,

(b) Verifying eligibility requirements;

(c) contacting and the notification of Winners

(d) payment of and/or arranging fulfilment of prizes; and/or

(e) complying with legal and regulatory obligations (such as audit purposes).

14.2 Additional personal information may be collected from Winners and their guests where necessary to arrange travel, accommodation, event attendance or prize fulfilment.

14.3 Personal information may be shared with:

(a) Visa;

(b) prize fulfilment providers;

(c) technology providers;

(d) marketing agencies; and

(e) professional advisers,
where necessary for administering the Promotion.

14.4 Winners may be contacted by the Promoter to confirm their prize where they may be asked to provide quotes. With the Winner’s permission, the Promoter may use the verbatim quotes on various channels such as the Promoter’s website, emails and social media channels.

14.5 The Promoter reserves the right to share limited information about Winners on various channels such as the Promoter’s website, emails and social media channels.

14.6 The Promoter will engage third parties to assist with the administration of the Promotion and the operation of the Promotion website. Those third parties act as agents and data processors of the Promoter and will not use any personal information provided for any purposes other than that directed by the Promoter under these terms and conditions.

14.7 Personal data will be processed in accordance with the Promoter privacy notices are set out in the The Co-operative Bank p.l.c. Privacy Notice. How we use your personal information (PDF)

14.8 The Promoter must publish or make available information that indicates that a valid award took place. By entering the Promotion, you acknowledge that in the event that you are a Winner, your surname and county of residence may be disclosed to persons enquiring, where permitted by law. Any entrant may object to their information being made available in this way or may request that the amount of information made available be reduced, by contacting the Promoter. In these circumstances, the entrant acknowledges that the Promoter may nevertheless disclose the relevant information, and the entrant’s entry, to the Advertising Standards Authority (and/or any other competent authority) if required to do so. By way of example, this may happen where the Promoter is required to demonstrate that it has awarded any advertised prizes. To request disclosure of winner details, enquirers must submit a request to the Promoter within one (1) month following the end of the Promotion Period. Details will only be disclosed (if permitted by law) after all prizes have been awarded.

15. General

15.1 The Promoter, in their sole discretion, reserve the right to:

(a) Amend, suspend, cancel or withdraw the Promotion where reasonably necessary;

(b) Substitute any Prize with an alternative prize of equal or greater value;

(c) Disqualify or exclude any participant where there is reason to believe that:

(i) These Terms have been breached;

(ii) Fraudulent activity has occurred;

(iii) Transaction have been made primarily for the purpose of entering the Promotion;

(iv) The participant has attempted to manipulate or interfere with the Promotion; and/or

(d) Refuse or disqualify entries that do not comply with these Terms or which are fraudulent, abusive or otherwise undermine the operation of the Promotion.

15.2 Any material changes to this Promotion will be communicated via the Promotion website.

15.3 The Promoter shall not be responsible for any delay or failure in performing obligations under the Promotion where such delay or failure results from circumstances outside their reasonable control, including technical failures, acts or omissions of third parties, network outages or regulatory requirements.

15.4 If any provision of these Terms is found to be invalid, illegal or unenforceable, the remaining provisions shall continue in full force and effect.

15.5 Failure to enforce any provision shall not constitute a waiver.

15.6 These terms and conditions are governed by the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction over any dispute arising from the Promotion.

Schedule of Excluded Transactions

(Visa merchant code and short description)
7995 – BETTING/ TRACK/ CASINO/ LOTTO
5960 – DIRECT MARKETING INSURANCE SVC
6011 – FINANCIAL INST/AUTO CASH
6010 – FINANCIAL INST/ MANUAL CASH
6012 – FINANCIAL INST/ MERCHANDISE
9702 – GCAS EMERGENCY SERVICES
7802 – GOV LICENSED HORSE/ DOG RACING
7800 – GOVERNMENT OWNED LOTTERIES
7801 – GOVT LICENSED ONLINE CASINOS
6300 – INSURANCE SALES/UNDERWRITE
6051 – NON-FIN INST/FC/MO/TC
6540 – NON-FIN INST-STORED VALUE CARD
6211 – SECURITIES BROKERS/ DEALERS
4829 – WIRE TRANSFER MONEY ORDER