Write a review

Go to business site

The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.1 (401 reviews)

View other The Co-operative Bank products

4.00

Based on 401 reviews, last reviewed 15th Oct 2025

100% decrease in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

60%

19%

11%

Latest highest rating:

5

I've used the co-op for years, they have helped me t... I've used the co-op for years, they have helped me through money troubles and always been there for me. They are ethical and stand for my own beliefs... Read more Reviewed on: 19th June 2025

Latest lowest rating:

1

Brutal incompetent bureaucracy at its' worst. Brutal incompetent bureaucracy at its' worst; what has become of the 'Cooperative' bank? After trying to arrange things after a recent bereavement, I ... Read more Reviewed on: 15th October 2025

Read all reviews Write a review

About this product

The Co-operative (Co-op) current account is a basic account for everyday banking.

You can apply for an overdraft as part of your Co-operative current account application, or once your account is opened. With this account, manage your money online and on mobile and use Apple Pay, Google Pay or Samsung Wallet.

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

Review The Co-operative Bank: Current account now

Help others make smarter decisions by sharing your own experience.

Write a review

The Co-operative Bank Current account reviews (401)

Brutal incompetent bureaucracy at its' worst.

Brutal incompetent bureaucracy at its' worst; what has become of the 'Cooperative' bank? After trying to arrange things after a recent bereavement, I was reassured by the bank that everything could just proceed as normal. Only to receive an email some time after saying the VISA card had been immediately that day! Directly contradicting earlier information, giving no time to make alternative arrangements & at a time when you least need the extra complications. No suggestions or mitigation, just a stop. On eventually contacting them (20 minutes on hold)I was informed that I would have to apply for a new card! A further 30 minute son hold & then informed I would be applying from scratch-no easy way to use the information they had etc. 40 + years as a loyal customer count for nothing! Absolutely brutal. A truly awful experience at an already awful time. Trying to resolve this for days & despite admitting mistakes offered an insulting sum as recompense! No attempt to mitigte their action or try to make amends at all. Reviewed on: 15th October 2025

Avoid opening current account...

Maladministration Applied to open a current account in early August - on 28/8 they wrote to me and said all was good and provided sort code and account number. By 17/9 no debit cards had arrived and the took far too long to get them to us. A total of 7 weeks to open a current account. When I called them 17/9 I spent nearly two hours on the phone they could not find me from the account number they supplied or my name and address. It took the first 47 minutes of the call for them to find me. They said that I should have quoted the application number which did not show on their letter of 28/8. We took our business elsewhere. They said that it was because of an error made by their Bristol Branch. No one took ownership of this issue and I feel their complaints team is run by a bunch of uncaring incompetents who lack the basic skills to place themselves in the customers shoes. They offered me £100 but refused to remove the credit check from my record which bears a grossly unfair and unjustified negative on my Credit Record. Avoid opening an account at this bank they are very uncaring even when admit they got things wrong. Reviewed on: 8th October 2025

Unco-operative

Call themselves Co-operative this bank has been extremely unco-operative! False promises, broken guarantees, buck passing and ultimate upset. This operation discusses ethics when they should practice what they preach. Reviewed on: 8th September 2025

I've used the co-op for years, they have helped me t...

I've used the co-op for years, they have helped me through money troubles and always been there for me. They are ethical and stand for my own beliefs as well. Reviewed on: 19th June 2025

Very good staff

Very good staff who know their product and answer the phone quickly Reviewed on: 13th June 2025

I have been very impressed with this bank in general.

I have been very impressed with this bank in general. Anytime I have had to contact them it’s been straightforward. The account I have is basic but functional. Reviewed on: 12th June 2025

Something fishy going on, co-op will catch it!

I am very careful with my bank details and keep my cards in special little folders so they cannot be scanned without my knowledge, yet despite this my card details were used to try to purchase hundreds of pounds worth of fish in Norway! The co-op suspected something, declined the transaction and blocked the card. A new one was provided quickly and my money was kept safe. very pleased with the actions and with the service I got from co-op personnel ay my local branch. Reviewed on: 22nd April 2025

ethical bank.

ethical bank. ethical dealings makes it very appealing. good customer service Reviewed on: 19th April 2025

an amazing experience

an amazing experience, they’re quite helpful Reviewed on: 17th April 2025

Very good value

Our Coop bank account is very good value, providing travel insurance, RAC membership and phone insurance for just £15/month. However, we don't have the advantage of personal service, as there isn't a local branch. Managing the account online isn't difficult, but we do miss the personal touch. Reviewed on: 16th April 2025

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

Alternative products

Bank Account
from Habib Bank Zurich plc 4.78 from 3 reviews
M Plus account
from Virgin Money 3.76 from 22 reviews
Platinum Added Value Account
from Lloyds Bank 3.38 from 37 reviews

Want to see more from The Co-operative Bank?

Professional and Career Development Fund
from The Co-operative Bank 4.75 from 3 reviews
Cash Passport
from The Co-operative Bank 4.33 from 3 reviews
Student Current Account
from The Co-operative Bank 4.13 from 8 reviews

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

News, guides and insight from our team

View resource hub