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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)

Worst online of any bank I've used, and no longer ethical

I've used probably around 10 online banks for myself, my family and for companies, including the likes of NatWest, HSBC, Barclays, Unity Trust, BBVA, Santander and so on. By some LONG margin, the co-op is the worst of the lot. I was OK with previous (also worst ranking) online because they used to be an ethical bank, and so I put up with its foibles. But they rolled out a new one which is significantly less usable than the last one (on the verge of unusable), which when combined with their severely less ethical credentials means there really is no reason to be with this bank any more. Avoid. Reviewed on: 18th December 2020

Easy change

Just changed my current account to a joint one. Very quick and simple to do . Reviewed on: 23rd November 2020

A new look that drives away business customers?!

I never write reviews, certainly not ranting negative ones but I am so cross and disappointed in the COOP I need to vent. I was a happy loyal customer but 'upgrading' to a totally unusable online interface means I have to take two businesses elsewhere - and I don't have the time. You even piloted this new dashboard with one of our accounts - didn't ask for feedback, didn't listen when I queried things by phone and still rolled it out to all customers. It is NOT fit for purpose. Reviewed on: 5th October 2020

Businesses banking just got worst

Did a 8 years old design this .Great if you love colours and big font . But try it as a business tool daily Paying BASC to customers many times in one day . The top brass at Co op must be crazy . Reviewed on: 22nd September 2020

Absolutely outrageous

I have banked with the co operative bank for several years with a few minor complaints that were dealt with quickly by their exceptional customer service people. No longer, I frequently have my card declined in stores despite being several hundred pounds in credit. As a disabled customer I rely on my card totally, when this has happened at an out of town location I have had to transfer from my wheelchair to my car, locate and drive to an ATM,transfer from my car again, get back into the car, drive back to the store to pay in cash, after transferring from car to wheelchair, then get back into the car. Ten minute transaction taking over half an hour. Getting from my wheelchair into the car is a painful experience which I would rather not repeat over and over again in short spaces of time. The reason my card was repeatedly declined? Apparently the transactions have been flagged up as dubious by their seemingly totally random fraud/security algorithm. This has happened to me twice in my local sainsbury's where I shop several times a week . The other reason that was given was (possibly) the amount of transactions, which is outrageous. I am in the process of switching to another bank. Reviewed on: 11th September 2020

Excellent bank

Good service and great customer service. Reviewed on: 12th July 2020

THE BANK THAT GOES THE EXTRA MILE

I'VE BEEN WITH THE CO-OP BANK FOR TEN YEARS, AND HAVE FOUND THEIR STAFF TO BE VERY HELPFUL, AND DO THEIR UTMOST TO MAKE THEIR CUSTOMERS HAPPY. THEY ARE SUPER EFFCIENT, AND IN A NUTSHELL, THIS BANK ALWAYS GOES OUT OF ITS WAY TO HELP ITS CUSTOMERS. Reviewed on: 12th July 2020

fair trade

The bank have always been of great support to me and a very fair and understanding to my banking needs Reviewed on: 8th July 2020

Excellent company

Quick and easy company with good access to customer services Reviewed on: 28th June 2020

Ethical and reliable

Ethical bank, good customer service, never let me down Reviewed on: 28th June 2020

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