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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.11 (433 reviews)

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4.11

Based on 433 reviews, last reviewed 29th Sep 2026

67% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

61%

18%

11%

Latest highest rating:

5

Had a phone call to sort out some new accounts and Mr. Had a phone call to sort out some new accounts and Mr. Kieran Lancaster, Personal Banker based in Nottingham was very thorough, patient and helpful to... Read more Reviewed on: 2nd September 2026

Latest lowest rating:

1

Read all 1 star review on all websites My review very much reflects what this bank appear to be subjecting lots of other customers to, how utterly abhorrent. I've been with this bank for t... Read more Reviewed on: 29th September 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 (433)

Read all 1 star review on all websites

My review very much reflects what this bank appear to be subjecting lots of other customers to, how utterly abhorrent. I've been with this bank for the best part of 2 decades. I chose them for their ethical stance & felt they were once a great bank, who at one point I had a good relationship with. I don't know what has gone so, so, so badly wrong but I am now utterly horrified at their utterly deplorable business practices, vomit inducing delusions of entitlement, despicable levels of abuse of customers accounts, & the unfathomably deranged way they behave. They are bullies, corrupt beyond words & have a hrd on for flagging genuine payments as fraud, causing indescribable levels of stress, problems (not only for me, but vulnerable family members relying on my help), & countless hours of time wasted which they either demand or leave you little choice in having to waste. Despite absolutely NOT being entitled to any information, I generously shared what a payment was for & how important it was, after they insanely flagged it as fraud. They then repeatedly flagged the same payment for fraud month after month each time I attempted it -whilst they fully well knew what it was for, then repulsively blocked not only my card, but my entire account! I couldn't make that payment from May to date & had to embarassingly ask others to help. They made sure my vulnerable young family member was without vital support, how utterly repulsive & parasitic. I was treated like a criminal & naughty child, who the hell do they think they are! I can't put into words how deeply upsetting, stressful & problematic this was. They didn't like the understandably increasingly angry response they got with each fraudulent fraud flag, so they poured petrol on a blazing inferno & wrote to me telling me they were closing my account! Yes you read that right! Insanity from the bank who claim to be ethical, I'd call that morally bankrupt personally. They wildly seem to think they are entitled to demand a reason for my very own personal phone number being private when I was forced to call them after YET another fraudulent fraud flag. They DESPERATELY need humbling. After repeatedly abusing their position & your ability to use your account, be prepared to loose the best part of an hour trying to get through to an actual human & the bottom of whatever timewasting nightmare it is this time. If you struggle with auditory processing dysfunction, don't be shocked to be called racist when you ask to speak to somebody who speaks clear English so you can actually understand them & attempt to rectify yet another problem they have caused! They'll make payment disputes impossibe. They'll regularly make buying online impossible. They'll abuse you private phone number & spam you, demanding responses to their deranged text messages. They'll grotesquely REFUSE to delete your private, phone number when you tell them to after you're sick of the spam, harassment & unsolicited contact! They'll point blank refuse to help you, demanding you waste hours on the phone to them, or come into branch which is impossible to get to 50+ miles away. My local branch was in walking distance when I opened my account. I think they think I posess a magic carpet & endless free time to jump through their deranged & insane, pathetic hoops. The app & website will cause you considerable levels of frustration & take up far more of your valuable time than necessary. Don't walk, RUN as far away from this bank as you can. There's absolutely NOTHING ethical about them at all, the complete opposite infact. Read the 1 star reviews, that IS the raw reality & what you WILL deal with if you make the extremely bad mistake of choosing to join or switch to this bank who are soon to be The Coventry Building society. Reviewed on: 29th September 2026

Had a phone call to sort out some new accounts and Mr.

Had a phone call to sort out some new accounts and Mr. Kieran Lancaster, Personal Banker based in Nottingham was very thorough, patient and helpful to get what I’ve needed sorted. Very efficient with a lot of empathy. Wish more bank supports are like him. Thank you so much for a great experience! Reviewed on: 2nd September 2026

Colchester branch very helpful

Great experience at the Colchester branch. Excellent experience switching Reviewed on: 14th July 2026

Customer service is great.

Customer service is great. Always ready to assist. Also the online system is easy to use. Definitely would recommend anyone. Reviewed on: 11th June 2026

Honestly they were my saviour, they provided me with...

Honestly they were my saviour, they provided me with a bank account when little to no other providers would. I’m in a much better place financially now and could probably have my pick of bank accounts but I choose to stick with the Co-operative. Customer service is always excellent also. Reviewed on: 11th June 2026

I hope this goes to the right person but just wanted...

I hope this goes to the right person but just wanted to say massive thank you to Mehreen who I spoke to on costumer services on the phone. I’ve been having issues with my app for ages and she’s the first person who was able to help me sort it.She was calm, friendly and very supportive. Made it all seem easy and got it to work within minutes. You have fab costumer service Mehreen! Thank you again! X Reviewed on: 31st May 2026

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

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