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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)

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

Just dreadful banking service

Wait times on the phone of over 30 minutes to speak to customer service, for bank that claims to be "putting customers first", doesn't quite ring true does it? I've had a terrible time with them blocking large transactions (3 times in the last 6 months) for no apparent reason, causing me embarrassment when paying for goods and then having to wait the 30 minutes plus to speak to someone. I will be closing & transferring my account as soon as possible. Avoid. Reviewed on: 4th February 2022

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

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