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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

No new 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.

The Co-operative Bank Business Account reviews (86)

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

I expect the return of the next ice age before the phone gets answered - over 70 minutes and STILL waiting!!

The timer has just passed over 60 minutes whilst I wait for someone to answer the phone, it must be a bankers lunch! More likely some underpaid overworked administrator stuck on a switchboard with a stacked call log, maybe employ more staff or improve the on-line banking services to reduce the number of calls. It is unreal how long this bank expects you to wait. I transferred from the NATWEST using the business current account switch. How very stupid of me, I should have read these reviews first. Reviewed on: 10th December 2021

Dreadful!

Switched business account a few months ago. It took months to open the account as they lost the application once and the on the second attempt they took so long to process the information it timed out and I had to start from scratch. The business online banking is dreadful, slow, clunky and many of the reports cannot be trusted (they are aware of this, but do nothing). There is no mobile banking app. There are few branches and they generally take an hour to pick the phone up. Reviewed on: 25th June 2020

Transfer okay

It seemed to take a awhile to set up but I was surprised to see all the DD's etc had transferred without any issues. Reviewed on: 9th February 2020

No problems

Polite and helpful staff. No issues. Reviewed on: 16th March 2019

Professional and friendly

I have banked with the Co-op since 2001 and even though I am frequently offered cash incentives by other banks to transfer I would not do so. When I need to call them, the staff are always helpful and friendly with a great knowledge of their products. Reviewed on: 9th February 2019

Awful customer service and more expensive than other banks.

We have got another bank after some bad experiences - firstly we never had an introductory rate, we got charged for pretty much everything (more than other banks charge) and when I tried to get a new PIN number I had about 100 questions as I couldn't remember my log in and ended up in tears as the lady was so patronising to me. We also had a bad experience with coop insurance a few years ago. I like the shop but not any other of their products! Reviewed on: 6th May 2017

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