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The Co-operative Bank: Credit Card reviews

Name: Credit Card
Rating: 3.06 (35 reviews)

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2.70

Based on 35 reviews, last reviewed 17th Apr 2025

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

34%

14%

29%

Latest highest rating:

5

low rate credit card with interest free periods on p... low rate credit card with interest free periods on purchases, low balance transfer fees Reviewed on: 17th April 2025

Latest lowest rating:

1

They don't employ enough staff to serve the Customers! I switched to the co-op when tesco switched to barclays, could not be doing with blood money. So the co-op is supposed to be more ethical and that is... Read more Reviewed on: 16th February 2025

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About this product

The Co-operative Bank Credit Card reviews can help you to find out about the pros and cons of the Credit Card credit card. What kind of features do The Co-operative Bank customers like? Find out more about the The Co-operative Bank Credit Card by reading our trusted Smart Money People reviews. You can also write your own The Co-operative Bank Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

The Co-operative Bank Credit Card reviews (35)

Review of the The Co-operative Bank, Credit Card:

Online nightmare !

I am adaptable to change, but what the hell!!! Who on EARTH thought they would IMPROVE the online banking to make it practically impossible to use? I have had several attempts to see if I can navigate my way around ... its im-bloody-possible!! I simply have not got the time to try and work it out, it will be quicker to wait until the paper statements arrive. Looking for a new business account now. Reviewed on: 30th July 2020

Look elsewhere

You have soo many choices these days. Don't even consider coop. They are not worth the loyalty Reviewed on: 14th November 2019

Just pretty useless really

I have just closed my credit card… I have just closed my credit card account after 7 years. The Coop do have some plus points, the front line customer support is always pleasant for instance (hence 2 stars and not 1). However they seem to simply lack the systems and skill to provide an effective service. Having joined them specifically because they supported Save the Children, you would have expected to have been told when your card no longer did that?...Apparently not. You would expect them to recognize that payments were not arriving late when they had mistakenly recorded two payments in one month. Apparently not. At the very least you would have expected an apology when (after lots of phone calls) they recognized the error... Apparently not. Finally, when you have a faultless payment record and exemplary credit rating you would not expect your credit limit to be reduced by 95%...Apparently not. Even if this did happen you would expect them to be able to tell you why...wouldn't you?...Apparently not. Finally so annoyed I left for another supplier, who gave me nearly twice the credit limit I previously had with the Coop...in about 90 seconds! So in a nutshell...The Co-operative Bank: worth becoming one of their customers...APPARENTLY NOT! Reviewed on: 16th October 2019

After 40 years I have to leave these cowboys!

I have banked with the co-op since turning 16 years of age (40 years ago). Never been overdrawn in my life, no defaults ever with ANY lender, never missed a mortgage payment, top credit score with all agencies and have had for many years. I cancelled a Credit Card with Barclays and thought I would use my lifelong bank as they ALWAYS ask me to take out a credit card whenever I use phone banking. I asked for a modest credit limit (about equal to 1 months salaries paid into the bank and have been declined with no reason. I checked with he credit agencies as they suggested in their letter rejecting me, yet I have an "excellent" credit rating with all of them. My current account never has less than the credit limit in it as well. I only asked for a modest credit limit (less than half of the size of the Barclays account I had cancelled. After being messed about on the phone for two weeks now and still no reasons for the decline, I have decided to leave after 40 years with the bank. I cannot continue to deal with a company that can't even give me a simple logical reason for declining a trivial credit limit card and they apparently do not either value that loyalty or care that I am leaving. If you are thinking of using Coop bank for anything, I would suggest you look elsewhere because they clearly have zero loyalty or respect for long standing customers. I am surprised they can afford to lose customers with their well publicised financial irregularities and worrying solvency! Reviewed on: 15th April 2019

Cash back if you are a co op member.

Cash back if you are a co op member. Reviewed on: 8th November 2018

Easy to use and excellent customer service

A high quality bank that never fails to deliver the service I look for in a bank and a credit card. Reviewed on: 10th April 2018

COOP

The CoOp bank have the best service and the best credit card. I have been with them for 35 year and will never change. Reviewed on: 10th February 2018

Great!

Great product, and fantastic customer service Reviewed on: 15th November 2017

Used to be good

Ok for emergency purchases would think that being a current account customer the rate would be better and you would get their cheapest deals without having to apply Reviewed on: 31st May 2017

Good rates and good customer service

No hidden fees, good online banking service and telephone customer services Reviewed on: 2nd May 2017

Excellent Service and Bank

Always quality and supportive staff in banks, supported over the phone with any needs I've had. A+ Reviewed on: 3rd April 2017

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