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The Co-operative Bank: Current Account reviews

Name: Current Account
Rating: 4.11 (380 reviews)

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4.01

Based on 380 reviews, last reviewed 6th Feb 2025

200% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

59%

19%

11%

Latest highest rating:

5

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 ... Read more Reviewed on: 6th February 2025

Latest lowest rating:

2

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 ... Read more Reviewed on: 28th November 2024

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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 (380)

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

Absolute cluster... something

This bank couldn't find its own trousers with both its hands. Approach with caution. Reviewed on: 13th January 2023

didnt disclose would not let me transfer overdraft limit

when i moved from hsbc, after they stopped the oxfam credit card with no explanation Reviewed on: 8th November 2018

always helpful, and ethical

the co op is the only ethical bank not investing in anything that harms the enviroment , animals or people... they have ALWAYS helped me when i have done online baking and been most helpful///they were the first bank to introduce online banking.. they are also lovely when i go into a high street bank, as they always call me by my name.. Reviewed on: 7th November 2018

Straightforward Banking

Our account was simple to set up and we can pay cash into the account via our local post office. Reviewed on: 7th November 2018

Everyday Rewards

Whilst other banks have financial incentives to switch, the Coop Bank rewards loyalty. I earn between £4.50 and £5.50 every month just by staying with them and receiving 5p each time I use my contactless debit card. The call centre is efficient and banking app on my mobile phone is very good. Very few branches now exist, but paying in cheques at any Post Office is easy. Reviewed on: 7th November 2018

Ethical and excellent

Super easy to open the account, brilliant customer service at every step and since. Smooth and intuitive online capability. Love the rewards offered but most of all their ethical standards are excellent. Reviewed on: 7th November 2018

Does everything required

Current account runs smoothly and does everything I need. Chance to earn rewards and no monthly pay in limit Reviewed on: 6th November 2018

Highly underrated bank

I have been banking with Co-op for over seven years and have never had such good customer service from any company (a rare commodity in recent years!). Their telephone reps are always amazingly helpful and polite and the online banking service is very easy to use. When my bank card was fraudulently used some time ago, they were extremely quick, helpful and efficient in resolving the issue. Also, they were one of the first UK companies to have an ethical stance in their business dealings. This bank deserves much more praise and customers. Reviewed on: 6th November 2018

The best bank in the world

I've been with this bank 10 years I've never had any extra fees or charges on my account and customer service are very helpful and friendly I'd recommend this bank to anyone they are very fast at resolving your finances. Reviewed on: 6th November 2018

Still Does not reply to emails

I have been quite happy with the Co operative Bank, locally and general account operation. I received a letter from The Head of Customer Services, removing my overdraft service. I have emailed to Customer Service on multiple occasions. I have yet to get a reply from any of them. This lack of attention to customer queries and the common politeness of Customer Services gives me little confidence in the Management Control on the Head of Customer Services gives me little confidence in the Management. I emailed the Board directly but received no reply. 100% failure all round. Time for a complete review of the Management Ethic. I have not changed Banks because it is too complicated. Why does the Bank find it necessary to do automatic Credit Checks for every customer every year, despite the customers conduct with the Bank after 6 years exemplary conduct of the Account? Then a letter is sent by the Head of Customer Services, who has no telephone number, no email address, and no Mail Address. This person does not exist! I have a small CCJ from a company that was recently fined after admitting to forging documents and using other company details without permission, and using false names on communications. The Co operative bank do not seem in the slightest interested in facts. When the Judgement was received in contacted Experian that had dropped my Credit reference from 800 to 400, and explained the position, they were aware of this company and promptly increased my reference to 840 out of 1000, an increase. Co operative does NOT answer. Credibility does not seem to be a priority. Why when the rest of the operations is acceptable, slow but sure. Reviewed on: 31st August 2018

Very good

Good service any time I call the contact centre or use the mobile app. Reviewed on: 6th August 2018

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