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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)

Good old honest banking

Ethical, reliable & trustworthy brand Reviewed on: 6th February 2020

Banking with principles

Good to know that my money will not be invested in fossil fuels, arms, dictatorships or exploitation. No problems with my account or customer service. Easy to use app and website. Only downside is (now) the lack of a local branch but it is only VERY occasionally that I have cause to visit a branch anyway. Reviewed on: 6th February 2020

Co-op bank

Never any problems using Co-op Bank. Never received any calls from bank salesmen offering premium products you don’t want - happened all the time with my precious bank. Always feel safe online, app is great and staff in the fee branches are extremely friendly and helpful. My account also give me a £7 bonus every month - what’s not to love. Reviewed on: 1st February 2020

Too many branch closures

Very disappointed that The Cooperative Bank have continued to close down branches. With the government' HwaWei contract I don't trust our reliance on digital infrastructure and prefer one to one human interaction. One day the West will rue its economic reliance on e-transactions without back-up. Reviewed on: 31st January 2020

Ethical Banking

I love the fact that the Co-Operative bank invests ethically. I don't want to support companies that I disagree with. Reviewed on: 25th January 2020

App hasn't worked in ages

I do most of my banking via app and online. The fact that the Co-op hasn't had a working app for months and months is really not acceptable. The customer service hasn't been good either with regards to this. I wouldn't recommend the bank to anyone who prefers to bank online. Reviewed on: 20th January 2020

Excellent benefits with the current account, well worth the annual fee

We have been very pleased with the Co-operative Bank. We moved to the bank because of it's ethical credentials. We pay a monthly fee for the current account for which we get annual travel insurance , access to airport lounges and mobile insurance. This offers good value for money. The website is clear and straightforward and hasn't let us down. Staff are on the ball in identifying and querying any unusual activity which is reassuring . Reviewed on: 19th January 2020

Ethical Bank, great service

As one of the few companies that have a clear ethical policy, the Co-operative Bank have amazing customer service too! Not only do I know I am using a company with the same values and ethics as me, their community activities and charity partners confirm this. The customer service is always brilliant and it is clear they put the customer first. Always helpful and professional, with a clear ethical differentiation. Love it! Reviewed on: 19th January 2020

Great customer service . I have been with them 8 years and have had no issues at all

Easy to use app makes life so easy. When I had someone hack my PayPal account and spend £80 using card details they sorted problem right away and gave me full refund. Reviewed on: 18th January 2020

Pay for a current account with terrible mobile phone insurance ?

Coop bank use an awful mobile phone insurance company supplying "refurbished" substandard phones and have horrible customer service who try and make it difficult to claim, spoils any of the good stuff that this bank have. Have been with them 20 years but I'm going to leave. It's just not worth it when other banks use reputable companies. Reviewed on: 17th January 2020

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