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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.12 (412 reviews)

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4.05

Based on 412 reviews, last reviewed 23rd Jan 2026

1000% increase in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

61%

18%

11%

Latest highest rating:

5

Always available locally or phone Always available locally or phone Reviewed on: 23rd January 2026

Latest lowest rating:

1

Won’t let you buy crypto. Won’t let you buy crypto. I do not feel that it is their place to tell me what I can or cannot do with MY monry Reviewed on: 23rd January 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.

The Co-operative Bank Current account reviews (412)

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

didnt disclose would not let me transfer overdraft limit

when i moved from hsbc, after they stopped the oxfam credit card with no explanation Reviewed on: 8th November 2018

Dreadful telephone banking

I do most of my banking online or via the app, but when something goes wrong (in this case the Coop losing my ID documents and sending a bank card and PIN to someone else's address!) and your nearest branch is 50 miles away, telephone banking felt like the only option. Was on hold for minimum 25 minutes each time only to get passed around and sometimes cut off. I was promised return phone call that never came. 20 years ago the Coop were brilliant. Now it feels like the service has been scaled down so far it's pretty much non-existent. Sadly I will be switching as soon as I'm able. Reviewed on: 26th March 2022

Great customer service

Whether it’s on the phone or in branch the staff are always friendly helpful and knowledgeable. I particularly love their ethical policy Reviewed on: 16th March 2022

Co-op tip top.

They are always friendly when I phone them with a query, very reliable with money transfers. Reviewed on: 10th March 2022

All you need from a bank

Very professional and efficient bank, and you can pay your money into the bank with humans, Everything you can expect from a great bank Reviewed on: 7th March 2022

ethical & charitable bank

This bank cares for the environment and for people Reviewed on: 4th March 2022

Very helpful

Never had any problems with them, always clear and easy communication. Would not consider changing. Reviewed on: 2nd March 2022

Long wait times on phone with no alternative

I've been a coop bank customer for 14 years - their call centre wait times are longer than ever and they offer no other contact channel. I had a payment declined as they suspected fraud - fair enough, but I cant get it approved as the wait times are ridicoulous and there are no other cahnnels. poor customer service Reviewed on: 1st March 2022

Ethical bank

Good bank with excellent customer service that invests your money ethically Reviewed on: 25th February 2022

Professional company

I always find dealing with this company easy and professional. Their staff are helpful and courteous and eager to please. Reviewed on: 20th February 2022

just not good

terrible call waiting times, old fashioned technology and poor customer service Reviewed on: 4th February 2022

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