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The Co-operative Bank: Current Account reviews

Name: Current Account
Rating: 4.12 (395 reviews)

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4.09

Based on 395 reviews, last reviewed 22nd Apr 2025

1300% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

59%

19%

11%

Latest highest rating:

5

Something fishy going on, co-op will catch it! I am very careful with my bank details and keep my cards in special little folders so they cannot be scanned without my knowledge, yet despite this my... Read more Reviewed on: 22nd April 2025

Latest lowest rating:

1

Appalling "cs". Appalling "cs". Takes forever to get an answer on phone, every time ! Reviewed on: 27th February 2025

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About this product

The Co-operative (Co-op) Bank Current Account is a free account designed for everyday banking. Customers can redeem rewards for themselves or for charity. The mobile banking app also has a range of features to help you manage your money.

Our Co-op Bank Current Account reviews can give you valuable insight into life as an account holder. Be confident in your new banking provider by reading genuine customer experiences on Smart Money People.

Learn why customers chose this account and how satisfied they’ve been so far. Read about their experiences with the customer service team to see how swiftly the provider deals with customer issues. Find out what money management features are available and how much they’ve helped existing customers. Make an informed decision when opening your new account by reading our Co-op Bank Current Account reviews.

If you have a Current Account with the Co-op Bank, share your experience with others. Tell us how long you’ve had the account and whether it’s your main bank account. What are your favourite features of the account, and is there anything you feel could be improved? Have the money management features helped you understand budgeting better? Would you recommend the account to your family and friends? Write an honest Co-op Bank Current Account review today. Together, we can help people like you make better financial decisions.

The Co-operative Bank Current Account reviews (395)

Review of the The Co-operative Bank, Current Account:

an amazing experience

an amazing experience, they’re quite helpful Reviewed on: 17th April 2025

30 years with the Co-op Bank and still going strong!

I have banked with the Co-operative Bank for 30 years, and throughout that time I have found them to be not only very efficient but also very helpful, empathic and personable whenever I needed to contact them. Their online banking service and app are easy to navigate and use. I have referred friends and family to them, Reviewed on: 26th February 2025

Fairly good but don’t link with other apps like a lo...

Fairly good but don’t link with other apps like a lot of their competitors Reviewed on: 26th February 2025

Good service

Good service, patient and helpful Reviewed on: 26th February 2025

Great customer service.

Great customer service. Easy to use app. Great company to bank with. Reviewed on: 26th February 2025

Very good rewards system for an active current account.

Very good rewards system for an active current account. The account was easy to set up online and having a couple o direct debits and using the debit card actively activates monthly rewards which paid better than a lot of current account interest rates. Reviewed on: 6th February 2025

Co-op are quick, honest and help in times of need!

Co-op are a very honest bank! They always get back to you fast with your queries, and they are very good at helping if you've ever been scammed! Saving interest rates aren't very high but then they make ethical investments which lead to lower AER which I think are worth it. They have one of the best package accounts "Everyday extra" which offers really good cover for you and your kids (up to 22 years old!) Reviewed on: 4th February 2025

Provides good, trust worthy banking for everyone, fr...

Provides good, trust worthy banking for everyone, from all different backgrounds and financial situations. Reviewed on: 14th January 2025

Not a lot positive about Co-op bank

The only positive thing about Co-op bank is the fact that it's a lot more ethical than other banks. However, the switch process is extremely slow and takes a lot more effort than it's worth. The app is lacking in a lot of functionality compared to other banks apps. On top of that customer service is limited and it seems as though it's a bank that's stuck in the 90's. Reviewed on: 28th November 2024

7% savings account with a £0 balance

Opened new current account via Switch. All went smoothly. 7% savings account attached and dd set up. DD didn't leave account in the morning (as do all DDs right?), so manually transferred. Then the DD payment was sent mid morning, so I withdrew the £250 from the savings account, as I'd sent 2 x £250 to the savings account, they also withdrew £250. Balance now £0. You can only put £250 a month in the account in any month. Couldn't make use of the 7% interest. Changed to SO instead to remove a repeat of this issue, but low and behold, the SO didn't get sent, so I cancelled SO and sent £250 manually. But the bank then honoured the SO, sent the money. So I withdrew the £250. They then withdrew the £250 because I'd sent the £250 twice. Balance £0. 2 months in succession with a balance of £0, in a 7 % interest account. I realise this is equally about the Savings account so will leave a review for that also. And their customer services team were not the best in regard to payments to / from a credit card. Reviewed on: 28th November 2024

Customer service is a breath of fresh air

Customer service is a breath of fresh air. UK based member of staff called me to go through setting up my account, recommended a linked saving account and a year later contacted me with a new higher rate saving account which she sorted over the phone. Really friendly. Completely different to my customer service experiences with other banks and businesses. Very happy to be banking with them, the only negative is the lack of physical branches (my nearest is quite far away). Reviewed on: 10th October 2024

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