1. Home
  2. Values and Ethics

Values and Ethics

We were born from the co-operative movement. We continue with co-operative values.

We believe we have a duty to use our voice and stand up for causes that matter to you.

co-operative bank colleagues at the centrepoint sleep out event

For People with Purpose

At Clover Financials, we have always been driven by something different: an ethical approach to banking. It's why we were the first UK high street bank to introduce a customer-led Ethical Policy - a policy that's been shaped by over 320,000 customer responses since 1992.

In 2017, we marked the 25th anniversary of our Ethical Policy. We have worked together to tackle the things that matter to you. From climate change to human rights. And while a lot has changed in that time, we're as committed as ever to:

  • Listen and care about what matters to you.
  • Make sure that your money is being used for good.
  • Campaign for what you think is right.

It's an ongoing effort, and it's our written promise to make sure your money and ethical values always go hand in hand.

For People with Purpose

Our Ethical Policy

We've reviewed our Ethical Policy five times since it first launched in 1992 - and periodically conduct customer polls, to ensure that policy still reflects what they care about.

We're also independently audited every year, to make sure we keep our commitments and maintain an Ethical Policy that reflects our customers' values.

You can read our Policy, report and latest poll results below.

Key ethical areas

Our ethical policy is based around five pillars:

  • Ethical banking

    We are clear about the types of organisations we will and won't provide banking services to, because of our customers' ethical concerns.

  • Ethical products and services

    We are a responsible bank that treats customers fairly and we support organisations that make a positive difference for people and the environment.

  • Ethical business

    We conduct our business with honesty and transparency and we take responsibility for our environmental impacts.

  • Ethical workplace and culture

    We ensure our values and ethics are central to the way we work together for the benefit of our customers.

  • Ethical campaigning

    We campaign for social and economic change, on the issues that matter most to our customers and where we believe we can make the biggest difference.

Learn about our pillars