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The Co-operative Bank: Business Account reviews

Name: Business Account
Rating: 1.31 (85 reviews)

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1.25

Based on 85 reviews, last reviewed 22nd Jan 2026

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

87%

Latest highest rating:

5

club and charity account they dont take off big amounts fir charges etc, they support local causes and groups, they are extremley helpful and friendly in branch and online ev... Read more Reviewed on: 31st January 2023

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.

The Co-operative Bank Business Account reviews (85)

Review of the The Co-operative Bank, Business Account:

I didn't even get past the application process.

I didn't even get past the application process. I uploaded the documents they needed after answering many questions I might add. They could see I had uploaded the document, yet they couldn't read it. I checked that it was a compatible document which it was. They insisted it was my problem and wouldn't offer any other way of accepting the document. Reviewed on: 2nd November 2024

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The App & banking platform is outdated.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

useless banking assistance and part two the clowns in mortgage section management.

My wife and I have been with the bank for many years and during that period felt it was a service no better than the other trolls in the banking system. The co-op has become a poor service provider in service and is clearly inept with issues for its customers. Having no debt we use the bank as a system to pay like many payments due and expect when trying to discuss an issue in the past 24 hours to be far better. I waited 55 min and no help was provided with their cut-down work from home system. Seems according to staff they have cut down their staffing levels. I called them a 5 pm and waited until 6 pm. Only to be informed they are now closed at 6 pm. after 6 pm in an attempt to complain about two issues and the member of staff down south said I needed to call back in the morning.. I used the lost card help to indicate the poor service they were not interested in the matter. Between the bad service and another issue with the mortgage section, I feel it is clearly time to get rid of the cost-cutting bank and find another that has more than 2 stars . Would I recommend them years ago I would have, but they are now so bad /terrible at answering the phone, that's life when staff work from home. My wife and I will look for better service if there is such an option in this day and age. Consider yourself less than a 1-star credit card and other cards will be closed off. Just terrible customer care .....hope all reading this review pay attention give them a miss. Reviewed on: 7th March 2022

Impossible to register for on line banking

Co op bank requires their token to be registered by phone. Impossible to get through waited over an hour twice did not get through. Close your account this bank is truly dreadful. They awarded 10 million pounds in bonus to Staff. !!!!! Reviewed on: 7th March 2022

Ethical bank

Fair and ethical bank, based on co-operative values for 150 years. This is why I've banked with them. Their customer service hasn't always been great, which is why I didn't give top stars, but they do try to put things right . Reviewed on: 24th February 2022

Impossible to get any answers

Beware don't expect a new account to be quick if you have to contact customer services be prepared to wait in a phone que for 40-50 mins each time you phone them. Opened a Every day extra Joint account on the 20th January online , still cant use the account as of today 17th February as the switching service hasn't been instigated despite me applying online and also apply a second time by phone ,had to phone up to chase debit cards , pins numbers also phoned to reinstate the switch over a week ago ,phoned again today the advisor said he would check and ring me back ,still waiting . Overhaul probably the worst service ever with very little customer care if any Reviewed on: 18th February 2022

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