Connect The Co-operative Bank to PayDay
Automatically split your pay across Step Saver, Online Call and your everyday account. Built for NZ's member-owned bank — keep the profits and keep the automation.
Connect Your Co-operative Bank Account in Minutes
Follow these simple steps to link your Co-operative Bank accounts to PayDay securely.
Download PayDay
Get the PayDay app from the App Store or Google Play and create your free account.
Select Co-operative Bank
Tap "Connect Bank" and choose The Co-operative Bank from the list of supported NZ banks.
Log In Securely
Sign in through The Co-operative Bank's secure portal via Akahu. We never see your password.
Set Your Splits
Choose your accounts and set percentages. PayDay splits your pay automatically from then on.
Full Co-operative Bank Compatibility
PayDay works with every Co-operative Bank account type. As the bank that's owned by its customers and shares profits with members, it's a natural fit with PayDay's mission to put Kiwis' money back in their own pocket.
- Everyday Account
Perfect as your everyday spending account where pay lands before PayDay splits it.
- Step Saver
Auto-split into Step Saver to grow your bonus interest every month without thinking about it.
- Online Call Account
Fund your flexible savings bucket every payday automatically.
- Co-operative Bank Credit Cards
Automatically allocate funds to keep your credit card paid off in full.
Co-operative Bank Transfer Times
Tip: The Co-operative Bank is 100% member-owned, so profits come back to you. Automating your pay splits with PayDay means more of that profit stays with you too.
Co-operative Bank + PayDay FAQs
Common questions from Co-operative Bank members about using PayDay.
Does PayDay work with The Co-operative Bank mobile app?
Yes! PayDay works alongside The Co-operative Bank mobile app. You keep banking with your member-owned bank the same way you always have, while PayDay handles the automatic pay splitting in the background. Nothing changes about how you use the Co-operative Bank app.
Will I still earn member rebates and bonus interest?
Absolutely. PayDay transfers are treated as regular deposits, so your eligibility for The Co-operative Bank's annual member rebate and any bonus interest on accounts like Step Saver is unaffected. Being a member-owned bank, every dollar you keep saved contributes to your share of the profit.
Can I split my Co-operative Bank pay to other banks?
Yes! You can split your Co-operative Bank pay to accounts at ANZ, ASB, BNZ, Westpac, Kiwibank, Rabobank or any other supported NZ bank. Useful if you've chased a better savings rate elsewhere or you share a household account with a partner at another bank.
Is connecting my Co-operative Bank account safe?
Yes, completely safe. PayDay uses Akahu, New Zealand's leading open banking platform. Your Co-operative Bank login credentials are entered directly on the bank's secure site and are never seen or stored by PayDay. We only get read access to see balances and payment-initiation access for transfers you've authorised.
What happens during Co-operative Bank maintenance windows?
If Co-operative Bank systems are temporarily unavailable, PayDay queues your split and processes it the moment the connection is restored. You'll receive a notification keeping you informed. Maintenance rarely affects pay processing because it's typically scheduled overnight.
Can I combine PayDay with existing Co-operative Bank auto-payments?
Yes! PayDay works independently of any automatic payments or standing orders you've already set up at The Co-operative Bank. Many members use PayDay to split their pay on payday, then let their existing Co-operative Bank auto-payments handle specific bills from the everyday account.
Ready to Connect Your Co-operative Bank Account?
Join Co-operative Bank members who've paired their people-first bank with PayDay's automation. Takes less than 2 minutes to set up.
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Also Have Accounts at Other Banks?
PayDay supports all major NZ banks. Connect multiple banks and split across any combination.