Smart Money People Logo
Go to business site
Own this company?
Share this page
Link copied

The Co-operative Bank reviews

The Co-operative Bank Logo
Rated Average • 3.33/5

The Co-operative Bank reviews

This business hasn't yet registered to manage and respond to reviews on their page. Own this business?. Find out how to register here

Unverified business
Last reviewed within 14 days
Write a review
  • Has branches you can visit in-person
    Has branches you can visit in-person
  • Positioned as being a socially responsible organisation
    Positioned as being a socially responsible organisation
  • FCA approved and regulated
    FCA approved and regulated
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website

Review summary

People rate this company as Average based on 579 product reviews

Average score of 3.33/5
5 star
48%
4 star
16%
3 star
6%
2 star
5%
1 star
25%

Latest positive rating

5/5

I've used the co-op for years, they have helped me t...

I've used the co-op for years, they have helped me through money troubles and always been there for me. They are ethical and stand for my own beliefs as well.

{"display":"Hannah S","full_name":"Hannah S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

Latest negative rating

1/5

Brutal incompetent bureaucracy at its' worst.

Brutal incompetent bureaucracy at its' worst; what has become of the 'Cooperative' bank? After trying to arrange things after a recent bereavement, I was reassured... Brutal incompetent bureaucracy at its' worst; what has become of the 'Cooperative' bank? After trying to arrange things after a recent bereavement, I was reassured by the bank that everything could just proceed as normal. Only to receive an email some time after saying the VISA card had been immediately that day! Directly contradicting earlier information, giving no time to make alternative arrangements & at a time when you least need the extra complications. No suggestions or mitigation, just a stop. On eventually contacting them (20 minutes on hold)I was informed that I would have to apply for a new card! A further 30 minute son hold & then informed I would be applying from scratch-no easy way to use the information they had etc. 40 + years as a loyal customer count for nothing! Absolutely brutal. A truly awful experience at an already awful time. Trying to resolve this for days & despite admitting mistakes offered an insulting sum as recompense! No attempt to mitigte their action or try to make amends at all. Read more Read less

{"display":"KR","full_name":"KR","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Current account
KR 15th October 2025
See more reviews for The Co-operative Bank products

About The Co-operative Bank

The Co-operative Bank is based in Manchester in the UK.

Founded in 1872, The Co-operative Bank was the first ethical bank. To this day, the company has an ongoing commitment to support the planet, people and communities. The Co-operative Bank was the UK’s first bank to introduce a customer-led Ethical Policy which shaped how it would and wouldn’t use its customers’ money.

The Co-operative Bank offers bank accounts, credit cards, savings, insurance, loans and mortgages.

The Co-operative Bank at a glance

Contact details

Phone
03457 212 212
Social media

Reviews for The Co-operative Bank

Showing 11 of 579 company reviews • Last reviewed within 14 days

Brutal incompetent bureaucracy at its' worst.

Current account • 15th October 2025

Brutal incompetent bureaucracy at its' worst; what has become of the 'Cooperative' bank? After trying to arrange things after a recent bereavement, I was reassured... Brutal incompetent bureaucracy at its' worst; what has become of the 'Cooperative' bank? After trying to arrange things after a recent bereavement, I was reassured by the bank that everything could just proceed as normal. Only to receive an email some time after saying the VISA card had been immediately that day! Directly contradicting earlier information, giving no time to make alternative arrangements & at a time when you least need the extra complications. No suggestions or mitigation, just a stop. On eventually contacting them (20 minutes on hold)I was informed that I would have to apply for a new card! A further 30 minute son hold & then informed I would be applying from scratch-no easy way to use the information they had etc. 40 + years as a loyal customer count for nothing! Absolutely brutal. A truly awful experience at an already awful time. Trying to resolve this for days & despite admitting mistakes offered an insulting sum as recompense! No attempt to mitigte their action or try to make amends at all. Read more Read less

{"display":"KR","full_name":"KR","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
KR
Rated Terrible • 1/5
Read more product reviews

Avoid opening current account...

Current account • 8th October 2025

Maladministration Applied to open a current account in early August - on 28/8 they wrote to me and said all was good and provided sort... Maladministration Applied to open a current account in early August - on 28/8 they wrote to me and said all was good and provided sort code and account number. By 17/9 no debit cards had arrived and the took far too long to get them to us. A total of 7 weeks to open a current account. When I called them 17/9 I spent nearly two hours on the phone they could not find me from the account number they supplied or my name and address. It took the first 47 minutes of the call for them to find me. They said that I should have quoted the application number which did not show on their letter of 28/8. We took our business elsewhere. They said that it was because of an error made by their Bristol Branch. No one took ownership of this issue and I feel their complaints team is run by a bunch of uncaring incompetents who lack the basic skills to place themselves in the customers shoes. They offered me £100 but refused to remove the credit check from my record which bears a grossly unfair and unjustified negative on my Credit Record. Avoid opening an account at this bank they are very uncaring even when admit they got things wrong. Read more Read less

{"display":"Steve D","full_name":"Steve D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Terrible • 1/5
Read more product reviews
  • 1/5

    they were useless!

    they were useless! Did not reply had to continuously be chased and when they were still didn't do anything

    {"display":"Lily Brooks","full_name":"Lily Brooks","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1307682.png"}}'s avatar
    Mortgage
    Lily Brooks 1st October 2025
  • 1/5

    Unco-operative

    Call themselves Co-operative this bank has been extremely unco-operative! False promises, broken guarantees, buck passing and ultimate upset. This operation discusses ethics when they should practice what they preach.

    {"display":"Rob J","full_name":"Rob J","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1049872.png"}}'s avatar
    Current account
    Rob J 8th September 2025
  • 1/5

    You will require counselling- best of Luck

    To open a online business account with co op bank you have to go through the website and an app called HIB you will be... To open a online business account with co op bank you have to go through the website and an app called HIB you will be asked over 10 security questions You will have to remember over 5 different pass codes You will have to wait 2 weeks for a token to arrive in the post You will require an iPhone and a laptop You will need to spend 8 hours on the phone to technical support that will not be much help You will NOT be successful You will require counselling and possibly psychotherapy at the end of this process- Best of Luck Read more Read less

    {"display":"J J","full_name":"J J","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Business Account
    J J 5th September 2025
  • 5/5

    I've used the co-op for years, they have helped me t...

    I've used the co-op for years, they have helped me through money troubles and always been there for me. They are ethical and stand for my own beliefs as well.

    {"display":"Hannah S","full_name":"Hannah S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    Very good staff

    Very good staff who know their product and answer the phone quickly

    {"display":"Christopher Parry","full_name":"Christopher Parry","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    I have been very impressed with this bank in general.

    I have been very impressed with this bank in general. Anytime I have had to contact them it’s been straightforward. The account I have is basic but functional.

    {"display":"gailsurg@googlemail.com","full_name":"gailsurg@googlemail.com","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 1/5

    Overall poor service and possibly much worse

    The online app was very poor. I was unable to access my account. It was difficult to contact the co-op by phone. I wrote letters... The online app was very poor. I was unable to access my account. It was difficult to contact the co-op by phone. I wrote letters to close my account and it took several letters of complaint before my funds were returned to me. Letters and dates on correspondence seemed to suggest either they were unprofessional or worse still, not willing to pay me my money. I have now after several weeks received a cheque from them. I would NOT recommend. Read more Read less

    {"display":"Roy G","full_name":"Roy G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Smart Saver
    Roy G 26th May 2025
  • 1/5

    CoOperative Business Bank, simple dreadful

    CoOperative Business Bank, dire APP that has hardly any function and doesn't work most of the time, the online banking has a very very poor... CoOperative Business Bank, dire APP that has hardly any function and doesn't work most of the time, the online banking has a very very poor interface, expensive fees to run the account and excessive charges for any foreign transaction. There are better bank accounts for business in the UK, avoid AT ALL COSTS Read more Read less

    {"display":"CreativeRadio","full_name":"CreativeRadio","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Something fishy going on, co-op will catch it!

    I am very careful with my bank details and keep my cards in special little folders so they cannot be scanned without my knowledge, yet... I am very careful with my bank details and keep my cards in special little folders so they cannot be scanned without my knowledge, yet despite this my card details were used to try to purchase hundreds of pounds worth of fish in Norway! The co-op suspected something, declined the transaction and blocked the card. A new one was provided quickly and my money was kept safe. very pleased with the actions and with the service I got from co-op personnel ay my local branch. Read more Read less

    {"display":"Theresa M","full_name":"Theresa M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

    Products from The Co-operative Bank
    Showing products offered by The Co-operative Bank

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice