Smart Money People Logo
Go to business site
Share this page
Link copied

The Co-operative Bank: Credit card reviews

View other The Co-operative Bank products
2.84
Based on 35 reviews, last reviewed 17th Apr 2025
No new 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
34%
See only 4 star reviews
9%
See only 3 star reviews
14%
See only 2 star reviews
14%
See only 1 star reviews
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
Isla F's avatar
Isla F

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
Dominic's avatar
Dominic
Read all reviews See your review

About this product

The Co-operative Bank have a range of credit cards to choose from.

There’s a balance transfer credit card, a three-year fixed rate credit card or a Co-operative members credit card. You can apply for your chosen account online.

The Co-operative Bank credit card reviews help you find out what it’s really like to be a customer. If you’ve used The Co-operative Bank before, you can also leave a review and share your experience.

The Co-operative Bank Credit card reviews (35)

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

Debit card saga continues

2
Debit card lost 17/1. Notified them within 20 minutes. Told card plus pin re-issued. Never arrived. Repeatedly told them. They said wait. 14 working days later I gave in to getting a card sent again. Arrive on 6th working day. Unable to pay bills all that time or buy food and fuel. Or pay my hotel. The latest debit card arrived but pin illegible. More phonecalls, more phone this number but told the got umpteenth time to phone credits..their secure messages take 5 days to read. You reply, wait another 5 days. No point of action by staff taking first phonecall. It's like pass the hot potato and a blame game. Why the first person can't take action when told there's a problem is bizarre. Latest debit card scenario. The police helped me get the Pin read. Then I discovered I couldnt pay bills on line with it. Back to Co Op. Phone this number. Told again no phone credits. No reaction to getting someone to phone me. Made the point again. Told to use the secure message again taking 5 days. Then got another message. Phone these numbers in week. Told again. I've got no phone credits so I've a half useful debit card but no means to pay car insurance, giffgaff, hotel bill, motorbike insurance, or buy online goods. On and on and on this saga goes. I've was forced to re route a payment to Nigeria to get money to my wife in Nairobi. Thanks to no debit card. These people have no concept of customer intervention by the shortest route. In this day and age that's savage, which is why the reviews are so bad... Reviewed on: 19th February 2023
STEVE DARE's avatar
STEVE DARE

Useful cashback, good for local Co-op shopping, website complicated.

4
The online service is more complicated than my other bank accounts when it comes to signing in! (4 steps) Delay in adding new transactions but overall a useful card, used for all general household shopping with the exception of online purchases , for which a different credit card is used with a much lower credit limit. Reviewed on: 6th February 2017
Anonymous's avatar
Anonymous

Great perks

5
I get lots of little treats, dividends and money-off vouchers! Reviewed on: 8th December 2016
Joanna Smith's avatar
Joanna Smith

A bit hit and miss

3
The Co-op bank can be a bit hit and miss. They messed up some of my credit card statements which caused me to get late payment charges last year so I was not a happy bunny! Reviewed on: 16th February 2016
Samantha Williams's avatar
Samantha Williams

Loyalty seems to count for nothing when it comes to the Co-op

3
I had a Co-op credit card for years and used it regularly. As I got older I was paying it off in full but early on they were getting interest from me on a regular basis. I had a habit of losing it however and did have to call a few times for replacements and here they were fine. The problem started when I lost it a few days before Christmas. I phoned to cancel it and was told that the new one would arrive soon and it did. The following week I received a letter to say that the limit was now less than 10% of what it had been due to a missed payment before Christmas. When I checked they were right, but it had been missed before I reported it lost yet nothing was mentioned on the phone. I phoned to let them know that the £500 was no good to me and as I had been with them for so long and run the account well, asked could they raise it. They refused and said they would see how things went and they did eventually raise it but no where near what it had been so it was time to go. All in all, they are fine if things are going well, but make a mistake and they don't want to know. They managed to change what had been my error into a lost customer. Reviewed on: 29th August 2015
Karonher's avatar
Karonher

Do you have a different The Co-operative Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review
Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Want to see more from The Co-operative Bank?

    View all products

    Join Smart Money People

    Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

    Create an account
    Man on beach

    News, guides and insight from our team

    View resource hub
    UK money news stories - 24 July 2024
    UK money news stories - 24 July 2024
    24th July 2024
    Posted in Money Talks by Errolyn Smith
    Your Money, Your Voice: Have your say
    Your Money, Your Voice: Have your say
    24th July 2024
    Posted in Our insights by Errolyn Smith
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    Our latest research - customers see little impact of FCA's Consumer Duty one year on
    24th July 2024
    Posted in Our insights by Darryl Barkwill
    Consumer credit awards winners 2024
    Consumer credit awards winners 2024
    11th July 2024
    Posted in Awards by Darryl Barkwill