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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)

Good, basic no frills service

Went to the Co-op for a basic bank account and it does exactly what it says on the tin. Reviewed on: 21st January 2018

Smile

Never had a bad experience with Smile The Internet Bank and the packaged bank account for travel insurance is fantastic. I had to use it and there were no problems whatsoever. Reviewed on: 20th January 2018

helpful

prompt phone answering, helpful, basic bank account open to all which helps the community as they say they will. Reviewed on: 18th January 2018

Current account

This bank offered a great incentive to swap and open an account with it a few years ago. The co-op offered a local branch which was used regularly and always had a friendly counter service. Unfortunately it closed two local banks and now only offers a counter service which is in a main branch over 30 minutes away. However banking online is adequate and easy to use. Reviewed on: 10th January 2018

good customer service, but don't like paying for "benefits" I don't use

The Co-op customer service people are always helpful and seem to genuinely try to solve your issue, rather than just parroting responses from a script. However, the benefits, such as phone insurance, that come with the monthly fee are no use to me. The account comes with a £200 overdraft which is really useful in case an unexpected payment hits which is not covered by the account balance. Reviewed on: 6th January 2018

ETHICAL AND EFFICIENT

EVERYTHING YOU COULD WANT FROM A BANK IN THIS DAY AND AGE- NOT AS MANY HIGH STREET BRANCHES AS SOME BANKS BUT WHO NEEDS THAT THESE DAYS WITH ONLINE BANKING?! GREAT TELEPHONE SUPPORT WHEN YOU NEED IT, EXCELLENT ONLINE BANKING AND AN ALL-ROUND EFFICIENT SERVICE- AND MORE ETHICAL THAN ALL THE COMPETITION TO BOOT! Reviewed on: 6th January 2018

Problem Free Banking

I have been with the Co-op for over 20 years and have always found them to be friendly, efficient, and easy to deal with. Initially I used their telephone services and then moved onto internet banking and both were easy to use and reasonably problem free. I have processed day to day transactions as well as more complex ones, and whenever I've needed assistance help has been on hand. If I ever a need to go into branch the service is just as good. Reviewed on: 5th January 2018

Great customer service

Fab customer service both in branch and over the phone. Never had an issue! Reviewed on: 5th January 2018

Brilliant Customer Service

I cannot recommend this bank enough. I had an experience whereby money was taken from my account when it shouldn't have, this left me overdrawn through no fault of my own. The bank got my money back, and really helped me through what was a very stressful time. They talked me through every step of what they did to get my cash back, and were so kind and helpful. Reviewed on: 4th January 2018

Ethically minded

I have been a co-operative bank customer for over 20 years, I like how they aim to use an ethical approach to banking. Reviewed on: 4th January 2018

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