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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.07 (428 reviews)

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4.07

Based on 428 reviews, last reviewed 29th Apr 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

61%

18%

11%

Latest highest rating:

5

Co-Operative Bank current account review Account is easy to manage online and in on the mobile app, and the customer is outstandingly good. Web and app user interface well designed, and onlin... Read more Reviewed on: 25th April 2026

Latest lowest rating:

1

Rubbish customer service I want to dial a number and speak to a person, not dial a number and have to go through stacks of menus and submenus AND a wait, which I pay for presu... Read more Reviewed on: 29th April 2026

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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.

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The Co-operative Bank Current account reviews (428)

Rubbish customer service

I want to dial a number and speak to a person, not dial a number and have to go through stacks of menus and submenus AND a wait, which I pay for presumably. Even when I press # # it goes to another menu. I just want a number that goes straight to a person. And for the bank not to answer it unless someone is free, so I don't have to pay for listening to bad music.Why They don't allow you to email them with questions. I suspect they invest in Israeli genocide. They push people to use mobile phones, and make things difficult for people who don't have one, or refuse to share the number. Email or landline are the only two 2FA options that work for me. I've had emails from them saying never to give personal details when rung up. But I had an automated call 2024-09-20 saying it was from the Coop to confirm recent transactions, then it asked me to select my year of birth and type in my month and date of birth. Obviously that is asking for personal details. So why does the Coop lie when it says it would never ask for them? There are no branches near me any more, which makes things a lot harder. The Co-op regularly cancels minor transactions for silly "fraud" reasons (it is never a fraud), causing extra hassle. The procedure for then dealing with it makes it worse - an automated call asking for security details, even though you always say not to give them out overt he phone. Their anti-fraud system actually opens up loopholes for fraud and data-gathering. Why does the bank waste money and resources sending out millions of "foreign payment" print letters even when customers are registered to receive electronic statements only? Even more of a waste as the transactions are already on statements, so it is just telling people twice about the same (completely standard) transaction. It makes a mockery of environmental claims. Basic things screwed up. For example, the order of transactions in a downloaded statement (chronological order) is the opposite to the order on a downloaded spreadsheet (reverse chronological order). Don’t make titles mandatory on debit cards or anywhere else. They are old-fashioned and many people don’t use them any more. I’m sick of going to accounts, and it always has an icon of a blue present and "Upgrade to an Everyday Extra account" as if it is a freebie. So you click. No, just the opposite - a bank account where I would have to pay THEM, and things I'd never use. So framing it as a gift, when really it would cost me. Awful and dishonest marketing. The link was there for months, pushing it even if you won't use it. Can't get rid of it. Reviewed on: 29th April 2026

Co-Operative Bank current account review

Account is easy to manage online and in on the mobile app, and the customer is outstandingly good. Web and app user interface well designed, and online support is friendly and helpful. Reviewed on: 25th April 2026

Switched current account to obtain a monetary reward.

Switched current account to obtain a monetary reward. So far, so good. Reviewed on: 16th April 2026

ease to switch and excellent incentive given for doi...

ease to switch and excellent incentive given for doing so. Reviewed on: 16th April 2026

The Co-operative Bank is THE only truly ethical bank

The Co-operative Bamk is THE only ethical and environmental Bank, rated as such by Ethical Consumer AND Which? Money magazine. I switched to them a year ago for this reason (and received £175 for doing so). Their savings accounts interest rates paid are great (7% currently for the Regular Saver) and their customer service, especially when requesting CHAPS or making larger payments by phone, is excellent. They take security extremely seriously too - checking and double checking to make sure I know what I'm doing and keeping me safe especially for larger payments (Ive had lots of those in the past year due to moving home). This sometimes takes a little longer as occasionally I have to listen to the same warnings/answer the same kind of questions more than once - but better to be safe than sorry in my opinion. I feel happy knowing my bank doesn't invest in/trade with dodgy environmental or military or politically questionable businesses/activities/parties and knowing that, as with all Co-operative services, they are member-owned and governed means that for me, they are the only bank I would choose now. Reviewed on: 7th April 2026

Slow and opaque application process

Very opaque and slow application process with no updates Reviewed on: 28th March 2026

Highly recommend

Great communication, easy to switch Reviewed on: 25th March 2026

Been a Custer for about 25 years. Looking to change

Been a Custer for about 25 years. Had an overdraft for most of the time. Suddenly they pulled it. Said that I was using it and needed to reduce it Find at first then when when I did need help for a couple of months they were most unhelpful. So if you read if you need help we can help you don’t bother calling as thy will not assist they will try and refer you to Citizens Advice. No loyalty whatsoever Reviewed on: 24th March 2026

Had a problem with using my App so I called into a l...

Had a problem with using my App so I called into a local branch at Lewisham. A very helpful teller worked through setting up a standing order with me. She worked through the exact procedure and explained why this couldn’t be done on the banking app. Reviewed on: 24th March 2026

Great interest on the regular saver account.

No interest on current account, but good interest on their regular saver. Plus they still have quite a few open branches which is near miraculous these days. Reviewed on: 24th March 2026

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