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The Co-operative Bank: Current account reviews

View other The Co-operative Bank products
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
See only 5 star reviews
60%
See only 4 star reviews
19%
See only 3 star reviews
5%
See only 2 star reviews
5%
See only 1 star reviews
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
Hannah S's avatar
Hannah S

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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KR
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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)

Was good, getting poorer all the time....

3
I’ve been a customer for over 40 years, it grew from a very small banking group to rival the big boys. It took 15 years to get really good but has been in decline ever since especially since it was taken over by venture capitalists. The website for years was a model of clarity, excellent information at your fingertips, since the “update” several years ago it is impossible to see recent transactions that you have instigated until they clear after 2 or 3 days, other information that was just there is now hidden away, it’s all been simplified to the point of stupidity. Faster banking worked for a while but is now as slow as the days before it was instigated, presumably to save money/increase earnings. The telephone service while operated by good people is now restricted hours. Overall I’ve been so disappointed with the service provided I’m moving to Starling Bank - a breath of fresh air! Reviewed on: 11th January 2020
Julian Smith's avatar
Julian Smith

Customer service

5
The customer service you receive is always excellent the staff are polite informed and helpful whether in a branch or on the phone Reviewed on: 4th January 2020
Karen Tozer's avatar
Karen Tozer

Great customer service

5
So helpful and quick response from the coop bank. I lost my card and a new pin then card was posted really quickly and the issue was dealt with promptly Reviewed on: 31st December 2019
Gemma Massey's avatar
Gemma Massey

Great bank

5
I had a fraudulent experience not so long ago and the customer service was brilliant they passed me onto the fraud squad, froze my account, reimbursed my stolen money and kept me calm and said there was nothing to worry about it they would look into it. Very good service and helpful when I’ve got locked out of my bank I would highly recommend the coop bank services Reviewed on: 30th December 2019
Gemma Massey's avatar
Gemma Massey

Nasty vicious bastards!

1
These nasty evil bastards would not leave me in peace. Constant bombardment of marketing material. I asked them to stop under GDPR rules, but these disrespectful shits told me that an advert for their banking app was 'essential product information' - essentially lying to get around the law. They are not cooperative in any way. The only way I could get anything done was to write dozens of letters asking the same thing over and over and over again to the point where I threatened legal acton if they didn't perform a simple task like change of address. In the end the only way I could get them to stop was to close all of my accounts - even this took FOUR MONTHS!!! If you have a credit card, try finding out how much interest you pay each month - this is extremely difficult information to find - they deliberately hide it in the hope you don't notice. This is not 'cooperative' it's irresponsible at best and downright manipulative and nasty at worst! If this is good business practice in 2019 then I want none of it. Then they have the effrontery to tell me they have spent £17MILLION on their online banking - which as far as I can see is a new login screen with the same outdated pile of crap code on the back end that is at least 15 years old. £17MILLION for a facelift - utterly disgusting while there are people starving on the streets! Absolutely the worst banking service in the history of mankind. They should be banned from ever providing any financial services. 100% NASTY!! I moved to TRIODOS - the difference is night and day! If you think cooperative are good it's only because you have no better experience to compare it to, make the switch and see what you have been missing out on! Reviewed on: 14th December 2019
Steve's avatar
Steve

Loyalty

5
Have been with this bank for at least all my married life (41 years) and never had any issues...…..and there is a bank in my local High Street so can always pop in if I have a problem which is very reassuring. Reviewed on: 6th December 2019
maza's avatar
maza

Great service from Co-op bank

5
I find the staff really helpful and the service is great Reviewed on: 27th November 2019
Renee Ralph's avatar
Renee Ralph

Turning it around

5
I think this bank have really pulled their socks up in the last couple of years and have regained my respect. I have great service from them, their call centre staff are friendly and efficient with some nice humour thrown in. I like knowing my money is being used ethically. Reviewed on: 24th November 2019
Spiraljam 's avatar
Spiraljam

Pays everymonth

4
Only a few problems but they usually pay you 10 out of 12 months if you pay in over £800 Reviewed on: 23rd November 2019
daniel's avatar
daniel

Excellent service

5
Great customer service and understanding of needs Reviewed on: 22nd November 2019
steve's avatar
steve

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