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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.1 (401 reviews)

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4.00

Based on 401 reviews, last reviewed 15th Oct 2025

100% decrease in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

60%

19%

11%

Latest highest rating:

5

I've used the co-op for years, they have helped me t... I've used the co-op for years, they have helped me through money troubles and always been there for me. They are ethical and stand for my own beliefs... Read more Reviewed on: 19th June 2025

Latest lowest rating:

1

Brutal incompetent bureaucracy at its' worst. Brutal incompetent bureaucracy at its' worst; what has become of the 'Cooperative' bank? After trying to arrange things after a recent bereavement, I ... Read more Reviewed on: 15th October 2025

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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 (401)

Ethical and easy

The Co-op Bank doesn't invest in fossil fuels, deforestation or other industries that exploit people or planet. It was easy to swap to, has easy to understand terms, good benefits and perks. Reviewed on: 2nd February 2022

Simple and effective

Easily move and managed my accounts in one place! All of my cards are connected and can transfer for business or leisure. So simple but effective Reviewed on: 19th January 2022

Fair and ethical bank

This bank supports charities and espouses ethical positions, which I like. It also pays a very small reward to online banking users. Reviewed on: 17th January 2022

been with them over 25 years

ive always had a great experience with the coop, expecially their customer service. whenever ive had a problem theyve always gone over and above to solve it - especially when i had a fraud incident - stolen money was returned within minutes. Reviewed on: 13th January 2022

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

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