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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)

In decline!!!

I've been with the bank for nearly 50 years having had an account created for me by my parents. I prefer telephone banking but over the years access hours have reduced and the wait time to speak to a call handler has increased - clearly my time waiting is less important to their time. The staff are great when I do manage to get through but despite me not wanting to do my banking online I am told that it is now compulsory for them to ask me each month I ring up if I want to do online banking. When I said I wanted to complain about the telephone banking service reducing I'm told that it isn't a complaint that would be feedback. I've stuck with the coop because they used to be a people bank and I prefer talking to people but clearly with reducing access to this service and now having to wait longer to get through, the coop does not see the people part is important to them and they just want to focus on online transactions. Really sad the service offered to loyal customers is in decline!!!! Reviewed on: 1st March 2020

Customer service

Can always get help and advice quickly either through online chat or over the phone. Fantastic customer service Reviewed on: 9th February 2020

Excellent customer service

I have always found their CS advisors helpful and knowledgeable. They listen to your issue and respond sensibly rather than just parroting a script. My only issue is that the pricing and rates are OK but not the best. Reviewed on: 9th February 2020

Ethical banking and extra benefits

Problem-free current account plus travel insurance, breakdown cover, phone insurance and airport lounge access. We have certainly had our money's worth from this account over the years. Reviewed on: 9th February 2020

Easy to use, ethical

Happy with the Co-op; been using them for a few years. Reviewed on: 8th February 2020

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

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