Write a review

Go to business site

The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.12 (412 reviews)

View other The Co-operative Bank products

4.06

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

Read all reviews See your review

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:

I'm autistic and dyslexic

I'm autistic and dyslexic and still… I'm autistic and dyslexic and still work full-time and been with coop many years. My tenancy was up 2 weeks ago and the council found me a flat to move into so I spent all my money moving and that includes all my overdraft so I have no money until I'm paid in a week .I called the coop bank to tell them I've 1 pound in electric left and no food in until I'm paid Friday can I have 50 pounds to get electric and abit of food until Friday! They said no and said that I should go to a food bank and they may get me some electric somehow but they weren't sure.i put the phone down ! I'm sitting here hungry and 1.25 left In my emergency electric .coop bank I hate you and how you treat disabled people in a time of need .50 pounds for electric and food until I'm paid but you prefer me to die Reviewed on: 27th August 2024

Truly helpful and caring

This bank quite literally saved my life, I was suffering with depression and whilst talking to customer services the agent recognised my pain, she kept talking to me with such empathy, whilst at the same time she called an ambulance and police to my home. I was taken to hospital where I received the right care I needed. So literally Mary at the Co Op Bank saved my life. They then did not just leave me to rot but supported me to get my life and banking on a positive keel. Five years later, I live in an amazing bungalow, my account is never overdrawn, I have gone from zero savings to £1200, I have had holidays in Japan and Thailand. The Co Op Bank are truly caring and supportive, as well as being ethical. This is just my story I am sure there are many more like mine where the bank has gone beyond its remit to help its customers. I am genuinely thankful to the Co Op Bank for really caring and not just waving a flag. Paul , Devon Reviewed on: 16th March 2021

Not Sure it Really Knows its Values but Tries

Upgraded online which is very good . Rarely go to a branch bit can pay in @PO Reviewed on: 16th March 2021

App and online banking really useful

I first opened a Co-op Bank Current Account away back in the 70s but moved on to other banks. Recently I opened a new Co-op Bank Current Account online and have been able to manage my account just using their app and online banking, without ever visiting a branch. Reviewed on: 11th March 2021

Great ethos, frustrating security

Website: There is an additional security layer to see your transactions in detail... they send you a number as a text message. I find this frustrating and annoying. Customer service: Great if you phone them needing help. They promptly answer the phone and try hardest to resolve issues. Super friendly. Reviewed on: 4th March 2021

Incredibly ethical, people for purpose centred back

An unrivaled ethical policy, supporting excellent charities Reviewed on: 25th February 2021

Always there, always reliable

I have been with this bank for 54 years and they have always been efficient and trustworthy. On the very odd occasion when things didn't go as they should they were very prompt to put them right. All that and monthly rewards too! Reviewed on: 18th February 2021

NOT THE FUTURE OF BANKING !

Been with the coop bank for 16 years. Nothing to shout about. Changed banks as I had noticed suspicious activity on my account. Coop did reimburse me but I lost my trust in them. They don't operate 24/ 7 anymore, yes I know we have the app. Changed to Starling app fantastic I can lock my account down so no one can use and balances really time. Starling is the future of banking in my opinion Reviewed on: 17th February 2021

Great ethical bank

Great bank with a conscience. Has a strong ethos for investing responsibly and giving back to the community. Customer service is excellent and app is very user friendly. Reviewed on: 17th February 2021

Current account

Been with co op since 2009 absolutely no problems with this bank used my card all over the world also online banking has been great no problems with mobile app I really can’t understand these bad reviews this is a great bank I was a bankrupt coustomer when I opened account they worked with me and guided me through a terrible time in my life I will never leave this bank take no notice of bad reviews this is a great bank Reviewed on: 12th February 2021

Top bank

Great bank with great perks . Lots done for the planet and environment in general Reviewed on: 22nd January 2021

Do you have a different The Co-operative Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Smart current account (discontinued)
from Fidor Bank (inactive company) 1.92 from 13 reviews
Silver Account
from TSB 2.71 from 3 reviews
Plus Current Account
from The Cumberland 4.90 from 38 reviews

Want to see more from The Co-operative Bank?

Professional and Career Development Fund
from The Co-operative Bank 4.75 from 3 reviews
Cash Passport
from The Co-operative Bank 4.33 from 3 reviews
Student Current Account
from The Co-operative Bank 4.13 from 8 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub