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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)

Great bank

They have green policies and have humanitarian leanings. They also help with food banks. Reviewed on: 13th October 2022

Disappointed

I have banked with the Co op Bank for many, many years. I have always been proud of 'my' bank for their excellent customer service but since the pandemic, I have experienced nothing but frustration. The last time I tried to contact Customer Services, I waited 30 minutes, was disconnected from the person I finally got to speak to and then had to wait another 30 minutes to speak to someone. The entire process cost me over £6 in call charges. Whenever I use the messaging function, to seek solutions to banking issues, I get a message back to say I need to call Customer Services. I'm exploring options to move to another bank. Reviewed on: 29th September 2022

The Ethical Bank

A business that stands for everything I believe in. Reviewed on: 27th September 2022

Friendly helpful go through extra mile

Every time I have an issue they are super helpful They have always gone the extra mile to help me unlike other banks Being disabled they have been understanding about talking to people on my behalf when needed. Always a good experience. Reviewed on: 23rd September 2022

Call themselves ethical/peoples bank ..far from it

Have been with this bank 25years am in full time employment and they have just pulled my overdraft from under me. at a time when we are deep in a cost of living crisis I will be pushed into financial crisis at the end of Sept . This has caused me untold anxiety and stress and then they have the cheek to send emails for me to recommend a friend . Reviewed on: 28th August 2022

Fair, ethical and kind banking. Have banked with them for years and will never leave.

The first bank I knew that were keen to have me avoid charges. They provide timely notifications that allow me to rectify issues before consequences ensue. Also they are the first bank I ever received a Christmas gift from. Thanks Co-op! Reviewed on: 8th July 2022

very good bank

really excellent customer service and very reliable, co-op is professional and more upmarket than people realise Reviewed on: 24th June 2022

The Unco-operative Bank: Run away before they drive you insane

We have used this bank online for a couple of years, all is OK until you want contact them. You have to use the phone, at 9 pence a minute, and the hold times are upwards of an hour, easily 40 minutes and on several occasions, having waited for ages the system cuts off. If and when you get through it is pot luck whether or not you get a helpful member of staff, most are helpful I must add. A recent need to send money abroad has revealed some insanity on their part, which would have affected us had we not decided to leave immediately. After absurdly repeated security questions we were asked for the EXACT date and time of the last transaction, without which correct answer the attempt to move our money could not proceed - the assistant simply could offer nothing more, they have no discretion, they won't refer upwards to a manager and they won't call back. The question is unanswerable, even their own online transactions do not record or report the time, exact or otherwise. End of first attempt to do what we wanted to do with our own money. We made a formal complaint. A day later a message said that the complaint had been resolved during the conversation! No such resolution has occurred, no further conversation has been had. After repeating the complaint a letter arrived saying that the complaint had been resolved 'Following our conversation'. The letter was signed by a Nicola Cook and it said if further discussion was needed call us on... and we'll be happy to discuss this with you'. Needless to say a call was made (50 minutes on the phone waiting) however Nicola Cook refused to come to the phone because - you guessed it - the complaint had been resolved following a conversation. Realising that the Unco-operative Bank operates in a parallel universe, we have applied at once to a different bank. In the meantime we had to take our money out of the bank's grasp and through the Post Office were able to transfer via Western Union, a process that was obstructed and delayed for another day by the bank. It also proved impossible to set up a PayPal means of transfer. Perhaps they feel they have more need of our money than we do. Reviewed on: 11th June 2022

A responsible bank

Does what a bank should do, and is efficient and helpful to customers Reviewed on: 11th June 2022

Excellent service

Staff are helpful, if you need help. Reviewed on: 8th June 2022

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