Write a review

The Co-operative Bank: Current Account reviews

Name: Current Account
Rating: 4.11 (380 reviews)

View other The Co-operative Bank products

4.01

Based on 380 reviews, last reviewed 6th Feb 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

59%

19%

11%

Latest highest rating:

5

Very good rewards system for an active current account. Very good rewards system for an active current account. The account was easy to set up online and having a couple o direct debits and using the debit ... Read more Reviewed on: 6th February 2025

Latest lowest rating:

2

Not a lot positive about Co-op bank The only positive thing about Co-op bank is the fact that it's a lot more ethical than other banks. However, the switch process is extremely slow and ... Read more Reviewed on: 28th November 2024

Read all reviews See your review

About this product

The Co-operative (Co-op) Bank Current Account is a free account designed for everyday banking. Customers can redeem rewards for themselves or for charity. The mobile banking app also has a range of features to help you manage your money.

Our Co-op Bank Current Account reviews can give you valuable insight into life as an account holder. Be confident in your new banking provider by reading genuine customer experiences on Smart Money People.

Learn why customers chose this account and how satisfied they’ve been so far. Read about their experiences with the customer service team to see how swiftly the provider deals with customer issues. Find out what money management features are available and how much they’ve helped existing customers. Make an informed decision when opening your new account by reading our Co-op Bank Current Account reviews.

If you have a Current Account with the Co-op Bank, share your experience with others. Tell us how long you’ve had the account and whether it’s your main bank account. What are your favourite features of the account, and is there anything you feel could be improved? Have the money management features helped you understand budgeting better? Would you recommend the account to your family and friends? Write an honest Co-op Bank Current Account review today. Together, we can help people like you make better financial decisions.

The Co-operative Bank Current Account reviews (380)

Review of the The Co-operative Bank, Current Account:

Everyday Extra good account

a good account, even though you pay monthly, I have a cashback on my other current account which goes to pay towards some of the monthly charge, plus you get free travel phone insurance and car recovery Reviewed on: 8th November 2018

Ethical, accurate banking

I have had a Smile current account with The CoOperative Bank for over 20 years. The account has been run perfectly for the entire period - no mistakes, no unfair charges, staff always accessible , knowledgeable and helpful. I have no complaints at all and am very satisfied with the service. Reviewed on: 10th August 2021

No-frills current account

My Co-Op Bank current account provides a basic current account to receive income and make payments/ I have no overdraft facility, so if I tried to spend money I don't have it would prevent it. Excellent mobile app enables day to day oversight of the account as well as online payments, and I can use an associated deposit account as a rainy day fund. My debit card is not contactless, but I can use Google Pay in a similar way to make payments from the account. I've now had the account nearly 6 months, and no problems to date Reviewed on: 22nd July 2021

Left the Bank after 43 years

Many failings has led me to leave this bank and switch to the Nationwide. The Cooperative bank is no longer a people’s bank and is experiencing many issues. I am no longer comfortable with this bank looking after my money. Lots and lots of bad reviews out there. Reviewed on: 23rd April 2021

Trusted bank

I have been banking with co-op since 2006 under the recommendation from my mum who had been banking with them for about 30 years at that time. Very professional and trust worthy with helpful friendly staff. Reviewed on: 16th April 2021

Ethical banking

At a time when it is vital that the financial industry uses its influence to support efforts to combat climate change, ethical banking is more important than ever. Reviewed on: 13th April 2021

FINALLY PUSHED INTO LEAVING THIS JOKE OF A BANK

The Co-operative Bank stuffed up on my standing orders on more than one occasion and the staff blamed me rather than their own IT systems and staff (who incidentally were actually at fault). Money taken out of my account without my authorisation and bank staff refusing to put the money back. This has resulted in me moving to a new bank - hurray for the switch system which is going to make my life easier. Wish I'd never had the misfortune of dealing with this shambolic bank. I'd advise avoiding this bank at all costs - they make mistakes and blame their customers! Reviewed on: 8th April 2021

Ethical but quality

I’ve been banking with the co-op bank now for 10 years, and I’ve been very pleased with the excellent service and the good quality products I’ve had from the co-op. They’ve taken care of me and I’ve always felt that my money was securely invested with them. Hats off to them, it is possible to be ethical and a sound place for your money. Reviewed on: 29th March 2021

Friendly staff at branch

Garry at Co operation Bank in Liverpool City Centre has always been extremely friendly and helpful when ever ive called in, particularly when ive been doing overseas transactions. Reviewed on: 29th March 2021

People focussed service

It feels rare to be a customer of a bank which is so people focussed. To be able to interact with people rather than machines feels rare, but valuable. It would be good to integrate more automations for ‘save the change’ type savings prompts. Reviewed on: 24th March 2021

Truly helpful and caring

This bank quite literally saved my life, I was suffering with depression and whilst talking to customer services the agent recognised my pain, she kept talking to me with such empathy, whilst at the same time she called an ambulance and police to my home. I was taken to hospital where I received the right care I needed. So literally Mary at the Co Op Bank saved my life. They then did not just leave me to rot but supported me to get my life and banking on a positive keel. Five years later, I live in an amazing bungalow, my account is never overdrawn, I have gone from zero savings to £1200, I have had holidays in Japan and Thailand. The Co Op Bank are truly caring and supportive, as well as being ethical. This is just my story I am sure there are many more like mine where the bank has gone beyond its remit to help its customers. I am genuinely thankful to the Co Op Bank for really caring and not just waving a flag. Paul , Devon Reviewed on: 16th March 2021

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

Graduate Current Account
from RBS 3.74 from 11 reviews
Current Account
from Reliance Bank 4.00 from 1 reviews
Black Current Account
from RBS 3.03 from 17 reviews

There's still more to see!

The Co-operative Bank has a range of products available. Check the ratings of each product to find the right one for you. 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