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The Co-operative Bank: Business Account reviews

Name: Business Account
Rating: 1.9 (88 reviews)

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1.90

Based on 88 reviews, last reviewed 20th Apr 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

Very unimpressed with my new business account I have had a business account for one month now. Opening the account was a tedious process with constant requests for more information to prove my bus... Read more Reviewed on: 20th April 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 (88)

Terrible customer service

Used to be good to deal with, now they really don't seem to care. Failed to put through my regular salary payment, then failed to pick up the phone after 45 minutes, when I called to see what had happened. I made a complaint online which they then took 2 months to respond to. The response was poorly written, without a signatory. It did not address the issues I'd raised and did not accept any responsibility for the error or poor service I'd received. Not what you expect from a major bank. Avoid. Reviewed on: 23rd May 2022

Worst business bank ever

Oh dear, only if they would answer the phone and not keep you on hold over 1 hour plus Reviewed on: 2nd May 2022

online banking unusably bad for business banking

The latest update has made the online banking unusably bad. As a business we pay everyone by BACS in batches of payments, the new interface is literally giving me RSI there is so much mouse clicking. Eg to select a payee I used to type the first 3 letters and it would autocomplete, now I have to go through 3 different screens with lots of mouse clicking to do what used to take literally 3 keystrokes. And to make 20 payments I have to select the account I am paying from 20 times over, where is the sense in that? And for half the payees it says "we think this is a scam" and make you jump through hoops to pay someone you've paid dozens of times before. Reviewed on: 12th April 2022

co-op telephone banking

I have found the staff helpful when I needed to speak to them.The problem is that to actually get to speak to them, you need to have an hour or more to waste.This banking service is the worst I have ever known. Reviewed on: 31st March 2022

Uncooperative bank

The App & banking platform is outdated. I have had worst ever Buisines banking experience. To be honest one star is too much, but there is no option for zero. This bank is not fit for purpose, you have to wait nearly two hours to talk to someone and still they can’t have answers to problems that the bank have created. Don’t go near this bank. Reviewed on: 30th March 2022

Two hours waiting for them to answer

Tried to make payments from my account but get to submit and I get internal server error. This goes on for two days. In the end I have to phone. Over two hours before I get through. Explain the problem only to be told yes we know about that. IT issue. Why not put that on the app etc. Reviewed on: 24th March 2022

destroyed a usable interface. Now not fit for purpose

waste of time after 10 years I really need to switch Reviewed on: 24th March 2022

Utterly usekess

DO NOT BANK WITH CO-OP. With them for over 10 years. During Covid, their customer service went awol. Gave up on them, switched personal account and 2 business accounts to new challenger banks. Filled in the forms to close the business accounts, weeks ago abs they still haven’t closed them and I’m receiving statements with service charges. Any contact them or resolve it as no one knows anything. Feels like a bank in terminal mode. Good riddance if so Reviewed on: 23rd March 2022

Don't do it! Do not open a business account with the Co Operative

It could not be any worse, I have NEVER known anything as bad as my recently opened Co Operative Business account. It's been weeks, and I cannot get registered for online banking, cannot get a token. I have filled in the form and sent it, also tried the App, and I've spent hours waiting on the phone, WITHOUT actually speaking to ANYONE. It constantly says that the wait on the phone is 30 minutes, but so far today, I've been waiting almost an hour (I'm writing this as I wait on the phone); and yesterday over 40 minutes of waiting, without speaking to anyone. I run businesses, I do not have this time to waste. You have been warned. Seriously, if you require expedient and efficient business banking, with the facility to move funds online, DON'T touch use the Co Op. I was on the phone trying to get through to Co Op business, and after around an hour on the phone, I got, through, gave my account number, and said politely "I can't believe that I have actually managed to get through to speak to a Human..." He then cut me off... Reviewed on: 10th March 2022

Customer service

I have called the customer care team yesterday and spoke to Kurtis after the brilliant and the extraordinary help she provided me I felt as a duty to leave this feedback to her dedicated work, professionalism and also to say a MASSIVE THANK YOU to help me sort out my issue. Ali Brahimi. Reviewed on: 10th March 2022

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