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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)

Ethical banking

At a time when it is vital that the financial industry uses its influence to support efforts to combat climate change, ethical banking is more important than ever. Reviewed on: 13th April 2021

FINALLY PUSHED INTO LEAVING THIS JOKE OF A BANK

The Co-operative Bank stuffed up on my standing orders on more than one occasion and the staff blamed me rather than their own IT systems and staff (who incidentally were actually at fault). Money taken out of my account without my authorisation and bank staff refusing to put the money back. This has resulted in me moving to a new bank - hurray for the switch system which is going to make my life easier. Wish I'd never had the misfortune of dealing with this shambolic bank. I'd advise avoiding this bank at all costs - they make mistakes and blame their customers! Reviewed on: 8th April 2021

Ethical but quality

I’ve been banking with the co-op bank now for 10 years, and I’ve been very pleased with the excellent service and the good quality products I’ve had from the co-op. They’ve taken care of me and I’ve always felt that my money was securely invested with them. Hats off to them, it is possible to be ethical and a sound place for your money. Reviewed on: 29th March 2021

Friendly staff at branch

Garry at Co operation Bank in Liverpool City Centre has always been extremely friendly and helpful when ever ive called in, particularly when ive been doing overseas transactions. Reviewed on: 29th March 2021

People focussed service

It feels rare to be a customer of a bank which is so people focussed. To be able to interact with people rather than machines feels rare, but valuable. It would be good to integrate more automations for ‘save the change’ type savings prompts. Reviewed on: 24th March 2021

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

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