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The Co-operative Bank: Business Account reviews

Name: Business Account
Rating: 1.31 (88 reviews)

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1.31

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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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)

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

The worst app & customer service EVER

Utterly & totally useless, the wait time on the phone? At least 1 hour, four times this week alone AND STILL THE MATTER IS NOT SORTED. i would never use them again Reviewed on: 10th February 2022

Business banking the worst ever

After waiting over two months to get my login details and fob, I have to spend another hour on the phone waiting to get it authorised. Security is a joke! One of the main questions is what was the number of the last bank statement, how do you know when you can't actually access the bank account? Expect to await over an hour each time you ring. Finally got my online banking authorised and I accidentally hit the back key, that's it thrown out, unable to get in and all I was trying to do is find out what happened to the payment I'd asked to be paid an hour earlier. Nowhere does it say, if you make a payment after 8pm it won't show up straight away, it gives you some strange message which meant nothing to me I look after clients with a variety of difference bank accounts, none of them have had as many problems as there on this account. HSBC took a week to set up from requesting access to the account and the fob arriving. Printing statements aren't user friendly either. I am currently writing this whilst waiting to see if I will be able to get back into the bank today or if I have to ring the bank again tomorrow, where I will fail security because I didn't get as far as printing the bank statement off. Anyone thinking of using this bank don't, there are much better banks around. Having spoken to the call centre many times trying to get access to this account, they have been short staffed for a long time and are trying to recruit so to anyone thinking of taking a job here, don't, all you will get is grief from unhappy customers. Reviewed on: 24th January 2022

website too bad

their online banking too slow and down many time Reviewed on: 20th January 2022

Worst banking experience in 30 years.

The single worst bank I have ever dealt with in 30 years of business banking!! -Impossible to log in for online banking. -On hold for 2 hours at a time with Telephone banking.EVERY TIME. - Transactions arranged after 2 hours on hold are then not carried out, so another call of 2 hours is needed. -Thousands of pounds held for months without access via online, telephone or personal banking. - I could list so much, but haven't the will to carry on. Needless to say, I will be closing my account. Although, "notice has to be sent by written letter and will take 6 weeks to action". Business banking?? One word: RIDICULOUS!!! Reviewed on: 12th January 2022

Would liked to have had the option to have given zero

Trying to close account, have sent form but had no response. Phone waiting time quoted as 60+ minutes. this is not a banking service. Reviewed on: 22nd December 2021

Pathetic

I have been trying to close my business account for over 6 weeks now ( because it is so archaic ) you have to fill a form in and post it ( so 1980's ) someone actually did call me 10 days ago and said they would call me in a couple of days to complete the closure , still waiting ! I have been a customer since 2006 and they have gradually gone down hill Reviewed on: 21st December 2021

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