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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.1 (401 reviews)

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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

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.

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The Co-operative Bank Current account reviews (401)

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

Coop demonises Israel

The Cooperage have made it their policy to demonise the tiny state of Israel which they have no right to do. Israel is a democracy with elected government made up of Israeli Jews and Arabs. Israel supports womens rights, gay rights education and helps with life saving surgery for some of its more violent neighbours, Israel helps other nations with technology and agriculture and so on. It's neighbours have some detestable practices including hanging people for being gay, forbidding female education and women's rights, imprisoning people for practising faiths other than Islam and funding terrorist organisations. Thank Co-op seels to demonise Israel and refuse to do business with any company that supports Israel and yet does nothing of concern to Israel neighbours, this is hypocrisy and to try to interfere with Israel as a sovereign nation is abhorrent. I have closed my coop account and hope that others on reading this review will also bank elsewhere. Ask the Co-op directly what their policy on Israel is and ask yourself do Co-op have the right to persecute a sovereign democracy? Co-op the shameful bank !!!!! Reviewed on: 12th July 2018

Ethical Banking on the High Street

The Co-Operative Bank is a great ethical choice on the high street when so many banking providers aren't in a world where this should be an important priority and on everyone's conscience. I like the knowledge that my money isn't being used around the world by my bank for nefarious means. I have never had problems banking with them and their customer service is good. Their mortgage products are often first choice for most too. Reviewed on: 1st July 2018

Easy to Contact

I never have any trouble contacting them. They always answer the phone quickly. Reviewed on: 30th June 2018

Nice and simple bank account

A no frills, easy to use bank account with good customer service and simple internet banking system. Reviewed on: 26th June 2018

Still notanswering emails, unacceptable in the electronic world

The Coop has not answered one mail. Pretty pathetic. I had a letter from the Head of Customer services. If any person in authority signs a letter to you, they must be accesible. This person apparently does not exist. She has no phone number, email or contact address. Responsible Officers of any compant, entity, etc, must be contactable. She cannot be contacted! Reviewed on: 22nd June 2018

Worst bank ever

Can't post statements to you but still chargers you for NOT doing what you have waited 3 weeks for brain surgery it's not bunch of idiots DONT USE THIS BANK SAFER TO PUT YOUR MONEY UNDER YOUR MATTRESS!!!! Reviewed on: 8th June 2018

Doesn't reply to emails, Customer Services.

County Court Judgement for £175. Parking ticket from 2014, Judged by CC in 2017. Original ticket misdescribed car colour and Index number. All dealt with whilst I was out of the country for 3 months. I have provided evidence to Co-op. They recently cancelled my overdraft. I tried to appeal, but the person who signed the letter, Joanne Mayer, Head of Customer Contact, doesn't exist! No phone number, no email, cannot be contacted through Co-Op Customer Services. I recently wrote to the Coop board about this, 4 times! NO acknowledgement, well apart from automatic reply. The AGM was held recently, seems they were more interested in senior management and board, remuneration and bonuses. Very dissapointed, they are awarding huge salaries and bonuses, but cant be bothered to look at a shocking injustice. The company, MIL Collections, has gone round the cOuntry buying up old tickets for as little as £1.00, Rushing them to court, for a Judgement. This has forced a change in the Law in May, that oblidges them to prove contact with Owner of Vehicles. They were recently fined in court following admitting to Forging Original Ticket Issuers details. Giving letters and contacts with falce names. The Coop is assisting these, bottom feeders to claim false charges. NO one at the Coop Bank seems interested. Oh apartfrom Salaries and Bonuses. I thought they were the Peoples Bank, how stupid am I. Reviewed on: 2nd June 2018

Always find them very helpful

I always find their UK only call centers very helpful and their online banking is super easy to use Reviewed on: 2nd June 2018

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