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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.1 (401 reviews)

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4.01

Based on 401 reviews, last reviewed 15th Oct 2025

No new 5 star reviews

in the past 90 days

100% 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.

The Co-operative Bank Current account reviews (401)

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

Incompetent,uncaring,bureaucratic cretins

Having spent the best part of two months trying to open a simple current account with no credit or borrowing facilities, as a non resident of the UK ,I can safely state that the Coop Bank is the worst bank I have ever had the misfortune of wasting my time trying to deal with.The bank advertise current accounts for non residents on the internet making the claim that the procedure to open an account is simple.Once the process starts,only then are the mindless cretins in the bank's so-called security and vetting department in Skelmersdale revealed.The documentation demands from the aforementioned department go far beyond supplying a copy of one's paasport and copy proof of a residential address.No, the bank must have either "certified" copies or original documents.Bearing in mind that the person ,in this case, is applying from outside the country it is impossible to pop along to a branch in the UK and show original documentation.Certification means a written statement on the copy documentation from a notary public or the like ,which is not only an expensive exercise in the country where I am resident as well as being impossible during a lockdown.Correspondence from Skelmersdale to the Netherlands took three full weeks to arrive .One letter said that if I did not reply within 28 days my application would be rejected.I managed to reply within 28 days using expensive couriered post.To no avail -we must have certified documentation.Remember,I was trying to deposit money with this bank not borrow from them.I complained.I receieved an email telling me my complaint had been dealt with.Two weeks after that,again with a three week delay I received a letter telling me my complaint about lousy service,uncontactable telephone numbers and postal delays was not the fault of the bank but the peopkle delivering the letters and the Covid crisis.In short don't touch this bank with the proverbial barge pole.The whole organisation ,including the management and complaints team based in Manchester are totally useless and not fit for purpose. Reviewed on: 21st May 2020

Very easy to use online system, clear communication...

Very easy to use online system, clear communication and good values. Reviewed on: 15th April 2025

Their online and telephone service is second to none..

Their online and telephone service is second to none and they are very efficient in understanding your problems and instructions. Any questions or concerns are always dealt with in good time and with compassion. Reviewed on: 3rd April 2025

Ethical banking as it should be.

Ethical banking as it should be. Easy to contact simple ap. Reviewed on: 2nd April 2025

Good dependable bank

No frills, but good basic all and reliable Reviewed on: 7th March 2025

Nice people always effortlessly efficient always go...

Nice people always effortlessly efficient always go there. It’s Reviewed on: 28th February 2025

Appalling "cs".

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

Coop bank is Empathy Central

Coop have been very helpful during times of financial hardship and being the victim of coercion Reviewed on: 27th February 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

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