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The Co-operative Bank: Current Account reviews

Name: Current Account
Rating: 4.11 (388 reviews)

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4.04

Based on 388 reviews, last reviewed 7th Mar 2025

700% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

59%

19%

11%

Latest highest rating:

5

Good dependable bank No frills, but good basic all and reliable Reviewed on: 7th March 2025

Latest lowest rating:

1

Appalling "cs". Appalling "cs". Takes forever to get an answer on phone, every time ! Reviewed on: 27th February 2025

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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 (388)

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

Provides good, trust worthy banking for everyone, fr...

Provides good, trust worthy banking for everyone, from all different backgrounds and financial situations. Reviewed on: 14th January 2025

Everyday Extra Account

Great value account includes travel insurance and roadside assistance for £15 a month. You can also get cash rewards when you pay out on standing orders. It's easy to manage the account online. Reviewed on: 12th January 2022

Reliable

Have been with them for many years and not had any problems. They have always answered the phone promptly if I have needed to call them. Reviewed on: 12th January 2022

Still more ethical than most

Hugely appreciate the UK call centres too Reviewed on: 12th January 2022

About as ok as banks get

They seem to be about as good as any bank gets Reviewed on: 4th January 2022

Call time is very long and customer service reps do not always deliver

The call times are always very long - then when you do get through the customer service reps do not always do what they say, eg send emails - the you have to call back and wait on hold again for another hour Reviewed on: 28th October 2021

What a shambles!

My debit cards and credit card have both been subject to 'unauthorized activity' which is still to be resolved. In the meantime they have periodically blocked then unblocked my online transactions at the point of 'verified by visa' not only for my replacement cards but also for the card that hadn't been involved in the fraudulent activity. In addition my husbands Co-op bank cards have been similarly treated even though they were not involved in the unauthorised activity either. This random blocking has necessitated a significant number of long waits on the telephone to speak to 'customer services' who, after long discussion and interrogation, assured us that they had unblocked the cards. They either weren't unblocked or unblocked only for a short period. I have passed all this information on to the bank's fraud team who are investigating the unauthorised activity against my cards but they seem intent on ignoring my emails. I have now asked them to get back to me with an explanation and resolution of the problem by Monday 11th October but I am not holding out much hope Reviewed on: 9th October 2021

Complete joke of a bank!

Absolute farce of a bank! They blocked my card after I tried to do an online purchase but never told me so card then declined when I tried to use it in a shop- embarrassing! Tried to phone them to resolve but on my four attempts queue time was over an hour. Tried to Live chat them as they recommend online but they have removed that service. Tried sending a secure message but it errored as apparently you can’t do it from a phone or iPad! Contacted them via fb messenger to be told I had to phone them. Was told queue time was 2.5hrs and I’d just have to sit and wait. I asked for them to get someone to phone me back but was told no we don’t do that. I said I was fed up just close my account and was told I’d have to phone and wait in the 2.5hr queue to close it. What a joke of a company! Reviewed on: 18th August 2021

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

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