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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)

Constant hassle

Takes a ridiculous amount of time to get through on the phone, you can barely do anything on the app so no choice but to phone. Very unhelpful when you finally get through on the phone, and can hear other operatives loudly in the background. They usually make some sort of mistake causing me to have to waste my time ringing back. Complained via secure message months ago which they’ve ignored. Reviewed on: 25th January 2023

Great underrated bank

Can’t fault Co operative bank. All communication has been great. Reviewed on: 25th January 2023

Honest, careful, ethical banking

I bank with the C-op Bank because I can be sure that they do their best to invest my money in ethical ways that reflect my views. They also make the effort to find out what's important to me regarding money and investing. Reviewed on: 18th January 2023

Ethics eco. Ethics

Efficient. human and superb scones Reviewed on: 17th January 2023

Simple, effective and a pleasure to deal with.

Great customer service when you call them up. Simple effective app. Reviewed on: 14th January 2023

Great bank

Straightforward account and easy to use app Reviewed on: 14th January 2023

Absolute cluster... something

This bank couldn't find its own trousers with both its hands. Approach with caution. Reviewed on: 13th January 2023

Ethical provider

Reliable provider of ethical products Reviewed on: 13th January 2023

Account that's almost ideal for basic users

Good basic account that has recently been upgraded to a clearer layout; only issue that although pending balance can be seen, it is still not yet possible to see the details of such transactions Reviewed on: 10th January 2023

Shocking outdated banking and awful response from call handler in fraud team

This bank is shockingly outdated and blaming visa for continuously blocking my card and account . When it is their systems, as other banks are not blocking as frequently as this, I mean after 2 or 3 transactions !! Manager very defensive as soon as she comes on the phone and unable to show any empathy or willingness to solve the issues ! Terrible managerial skills ! I would not recommend using this bank , call system is awful , have to wait for 60 mins at least , and they really do not appear to care ! Moving to another bank as we don’t have to put up with this shocking customer service ! Reviewed on: 6th December 2022

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