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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.1 (426 reviews)

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4.10

Based on 426 reviews, last reviewed 16th Apr 2026

1900% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

61%

18%

11%

Latest highest rating:

4

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

Latest lowest rating:

1

Slow and opaque application process Very opaque and slow application process with no updates Reviewed on: 28th March 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 (426)

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

Your never to old to bank on your phone.

I have only had a co-op Current account for nine months now but as I'm in my mid 70's I would never imagined me conducting all banking on my phone. Reviewed on: 24th March 2026

They are a simple bank, not complicated and always e...

They are a simple bank, not complicated and always extremely easy to communicate with. Reviewed on: 24th March 2026

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