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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)

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

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

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