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The Co-operative Bank: Business Account reviews

Name: Business Account
Rating: 1.34 (86 reviews)

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1.34

Based on 86 reviews, last reviewed 20th Feb 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

87%

Latest highest rating:

4

Easy to deal with as branch nearby Easy to deal with as branch nearby Reviewed on: 20th February 2026

Latest lowest rating:

1

MANY hidden charges and extremely long setup process Many hidden charges, extremely long and tedious setup, would not recommend Reviewed on: 22nd January 2026

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About this product

The Co-operative Bank business banking reviews at Smart Money People are helping other business people to fund out what being a business banking customer at The Co-operative Bank is really like. With business banking and aspects such as access to finance being so important to many business owners, Smart Money People is becoming the UK's leading source of The Co-operative Bank business banking reviews. Remember that you can write yours too, and join our mission to increase trust and transparency in financial services.

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The Co-operative Bank Business Account reviews (86)

The most UNcooperative Bank

No one seems know to anything. Disrespectful to small businesses to any extent that it seems deliberate Total Disgrace Employees went with wages, supplies without pay and orders cancelled P.S this company will happily sell you funeral plans Reviewed on: 21st December 2023

NOT OF THIS WORLD !

The most clunky primitive on line banking experience . Coop have a look at Lloyds for example and see what you should be doing for confused customers like me Reviewed on: 1st December 2023

Is there anyone at the other end of the line???

Great that it's an easy and accessible account but can't get through to Customer Services! Reviewed on: 22nd November 2023

WORST ONLINE BANKING EVER

THEY won’t provide you bankstatments . set up a new payee is painful, would not log you on your phone , you need to carry you login detals and token all the time . to get through the customer service is imposible. Reviewed on: 24th August 2023

Nothing works!!!

I got offered £1500 to move to coop from Natwest and what a huge mistake that was! Nothing works! You can't move money from the current to the savings account on the app you have to go on a desktop and use the token, setting up payees can only be done from the desktop and then it takes hours for it to activate. The app constantly keeps unregistering me from my phone "due to inactivity" when I am using it everyday multiple times a day! My card gets blocked from being able to make purchases online regularly then when I finally get through to them on the phone they can't explain why it is blocked?! It shouldn't be able to operate as a bank and I am so glad to be leaving, 2 years of nothing but hassle trying to do simple things that other banks just seem to do easily. If I could turn back time I wouldn't of switched for £15,000 never mind £1500!!! Reviewed on: 5th August 2023

I should have listened to others and bad reviews!

Painful, setting up a business account has been painful, pure and simple. Way too many hoops to jump through, the need for endless phone calls, and being put on hold, and not once but twice I have to actually print a form out, sign, scan it and email it back. Really? In today's day and age of technology! And that is before I can even access it on my phone. Nowhere does it tell you that you need to do it on a computer first! Crazy! And for it to take a month to change from my last bank, why? Why so long? Surely it is all automated pretty much nowadays? And the endless messages they send to your phone that takes so long to log in and look at. Don't do it people! Stick with one of the young technology hotshots on the scene now that can be set up in minutes... Unbelievable.... Reviewed on: 28th June 2023

Slow and no reason for refusal for fsb account

Gave all details and despite taking a long time refused an account with out given reason. The directors had experian credit scores off 999 can only conclude its was directors age which went against use. Surprising the fsb have anything to do with this lot! Reviewed on: 25th April 2023

It really is as bad as the reviews indicate

I was offered £1000 to transfer my business account from RBS to the Co-op. Big mistake! Had to ring up on at least three occasions when my token was blocked for no obvious reason. Staff helpful if you can actually speak to them after waiting hours on the phone. Learnt my lesson now and leaving. Reviewed on: 25th April 2023

Shockingly awful

I appreciate it is hard to get partnership accounts with banks and I would always prefer a more ethical bank, but the coop business account is awful in almost every way. Online banking is difficult to access, not very user friendly, it takes ages to set up to payees (something you need to do all the time when running a business) and its app is very limited. It takes forever with awful music. The only thing in it's favour is that it is free to use. Reviewed on: 8th April 2023

Dont Do it!

Honestly i persevere for ethical reasons, which is fine on a personal account, but you cannot run a business on this antiquated system - no advance D/d notices. Downloading statements is by week not month (try doing 12 months) you cannot even use the phone app to transfer between the current account and the savings account - ITS SO BAD. Reviewed on: 31st March 2023

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