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Membership FAQs

Have The Phone Co-op and The Midcounties Co-operative merged?

Yes. Members of The Phone Co-op have agreed a transfer of engagements to Midcounties. Phone Co-op Members joined Midcounties membership on 1 June 2018. The Phone Co-op and The Midcounties Co-operative have a lot in common. Both are co-operatives. Both are 100% owned by their members. And both are ethical, values led businesses.  

I am a Phone Co-op member, but not a Midcounties member.  Do I need to do anything?

If you were a member of The Phone Co-op prior to the merger on the 1 June 2018, but not a Midcounties member, a Midcounties membership has been automatically set up for you. You do not need to do anything and your new welcome pack, including your membership card will arrive with you before the 15 June 2018.

Your new Midcounties membership number has been added to your Phone Co-op account allowing you to earn 12 membership points per £1 spend on Phone Co-op products and services towards the annual Share of the Profits payment made to Midcounties members. This is equivalent to 5% of your spend with The Phone Co-op.

With your new Midcounties membership, you can also earn Share of the Profits on your purchases from other Midcounties trading groups. Click to view these.

I am a Phone Co-op member and a Midcounties Co-operative member, what will happen to my two memberships?

If you were already a member of The Phone Co-op prior to the merger on the 1 June 2018, and a member of Midcounties, we have added your Midcounties member number to your Phone Co-op account allowing you to earn 12 membership points per £1 spend on Phone Co-op products and services towards the annual Share of the Profits payment made to Midcounties members. This is equivalent to 5% of your spend with The Phone Co-op.

Your Phone Co-op Membership number will continue to exist until we pay your Phone Co-op Share of Profits earned up to 31st May and transfer of any Phone Co-op share investments to Midcounties is complete. We expect this to be complete by the end of August at which point your Phone Co-op membership number will no longer be used for any purpose. 

Your points earned from transactions with The Phone Co-op from 1st June will be added to points earned from trade with other trading groups. As a Midcounties member you will already be aware that our year runs from end of January to end of January, Share of profits value per point is agreed at the May AGM and paid in the following November.  

I am a Midcounties Co-operative member, but not a Phone Co-op member.  Do I need to join as a Phone Co-op member to use their services?

No, you can no longer join the Phone Co-op as a member, only a customer. As a member of Midcounties you will have access to Midcounties member offers.

When you become a Phone Co-op customer, you will be asked for your Midcounties member number and Share of the Profit points will automatically be added based on your spend with The Phone Co-op. You will earn 12 membership points per £1 spend on Phone Co-op products and services towards the annual Share of the Profits payment made to Midcounties members.

I have just received a new membership card for The Midcounties Co-operative, where can I use this card?

Your Midcounties membership card can be used in any Midcounties branches, and in the stores of affiliated societies such as Central England, Southern Co-op, or Chelmsford Star.

To find your nearest Midcounties branch click here 

I have received my Midcounties membership card but my local Co-op said I need a Blue card

Midcounties membership cards are white and yellow with honeycomb design.

If your local store has advised you that you need a “blue card” it is likely that the branch you are using is not a Midcounties operated site, and is more than likely owned and operated by the national Co-operative Group. Your Midcounties membership card will not accrue points in stores operated by the Co-op Group.

How do I register to view my Midcounties membership online? 

To view your Midcounties membership points, please follow the below process to activate your online account:

  • Visit
  • On the main Midcounties home page, there is a navy blue box about half way down titled; “Join Today” – please click the blue “Log In” button on this section. 
  • On the new page you are taken to, enter your membership card number or email address, and you can then proceed to enter your name, post code and email address. 
  • You should receive an email within a few minutes, which will contain a link that expires after 20 minutes (if you miss the time, you will have to do the above again). 
  • If you click this link, you will be able to set up a password and security questions for when you want to check your points status online.

How do I update my personal details on my membership? 

It is really important that your membership record is kept up to date so that we can communicate with you in the way you would like us to, and to help you get the most out of your membership.

Using this Midcounties member number there are a few ways that you can update your details. 

  1. You can do this via the online member portal
  2. You can do this via the Member App
  3. You can contact the Midcounties Membership team, by phone on 0800 435 902, or by email at

Interest Payments

From 1 June 2018, members receive interest of 2% on share capital over £200 and a rate of 1% on share capital of between £10 - £200.  This is paid without deduction of tax.  The Personal Savings Allowance was introduced on 6 April 2016, which means if you are a basis rate taxpayer you are able to earn up to £1,000 in savings income tax-free.  Higher rate taxpayers will be able to earn up to £500.   

How do I invest further?

The minimum investment is just £1, although we do like to encourage members to consider investing more than that. Under current legislation, the maximum amount anyone can invest is £100,000.

Investments of share capital can be made in the following ways:

By bank transfer: You can make a transfer from your bank to ours.  Please call the Share and Bonds team on 0800 435902 (then Option 3) for further details.

By post: Simply send your payment and a covering letter quoting your membership number to:

Share and Bonds Team
The Midcounties Co-operative
Co-operative House
Warwick Technology Park
CV34 6DA

Cheques to be made payable to “The Midcounties Co-operative”. Please quote your membership number as a reference.

By phone: To invest up to £100 call our Membership Team on 0800 435902 stating your membership account number, the amount you wish to invest and have your bank card details to hand.

How do I make a withdrawal?

As a member you are able to invest in your Society. You will earn interest on balances over £10 and you are able to invest up to a maximum of £100,000. Please send all enquiries to Before you make your first transaction we will require proof of identity and will then send you a Co-op Midcounties share book. Each time you wish to make a subsequent transaction you will need to send the book in. The postal address is:

Share Ledger Team

Co-operative House

Warwick Technology Park

Gallows Hill


CV34 6DA

If you are no longer a Phone Co-op customer and your balance is over £5,000 you will need to provide identification before you can use your share account. Full details are available at


Are there any risks to investing?

Please change the first sentence to read, “Co-op Midcounties is regulated under the Co-operative and Community Benefits Act 2014”.

Members should be aware that share capital in a co-operative is risk capital. Ultimately, if things were ever to go wrong for the organisation, share capital would be at risk. We aim to build a strong and successful co-operative business, with more than enough assets to cover its members' capital.

However, as an organisation committed to openness and transparency we feel it is only right that we should warn members that there is some risk. Please see the note below on the code of practice we adhere to in relation to share capital.

Should you wish to evaluate the security of your investment under Midcounties, please do take a look at their level of assets in the Annual Report and Accounts.

This is your best guarantee on any monies invested.  

What is the Code of Practice on Withdrawable Share Capital?

The Society, unlike banks and building societies, is not subject to prudential supervision by the Financial Conduct Authority. The Midcounties Co-operative abides by a code of practice which requires it to provide a statement to its shareholders of the nature of their investment and any change affecting it.

The position you occupy as a shareholder is no different from that of a shareholder in any other corporate body in the sense that, if Midcounties fails, you may not have all, or any of your investment returned to you.

Your liability, however, does not extend beyond your own investment. Your investment is withdrawable without penalty.

Contact Us

For all membership queries and sign-ups please call The Midcounties Co-operative Membership team on 0800 435902 or email