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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.07 (428 reviews)

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4.07

Based on 428 reviews, last reviewed 29th Apr 2026

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

61%

18%

11%

Latest highest rating:

5

Co-Operative Bank current account review Account is easy to manage online and in on the mobile app, and the customer is outstandingly good. Web and app user interface well designed, and onlin... Read more Reviewed on: 25th April 2026

Latest lowest rating:

1

Rubbish customer service I want to dial a number and speak to a person, not dial a number and have to go through stacks of menus and submenus AND a wait, which I pay for presu... Read more Reviewed on: 29th April 2026

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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 (428)

Been with them for years.

Been with the bank for many years, never had any issues, if I’m not sure of something they always have somebody that can help. Never had any issues reason that made me want to change banks. Reviewed on: 23rd January 2026

Fantastic Customer Services.

Every time I have needed to contact the bank, they have been patient, informative and efficient, plus also personable - I have felt like an individual, and not just another account holder, I have left any calls or interaction feeling positive and well looked after. Very pleased with the services provided. Reviewed on: 23rd January 2026

I have been a customer for many years.

I have been a customer for many years. Reviewed on: 22nd January 2026

Ethical banking Good interest rate regular saver

Ethical banking Good interest rate regular saver Reviewed on: 22nd January 2026

Co-Operative Bank Review

The Co-Operative Bank has provided me with excellent products and services, over a period of many years, and that includes customer service and general value for money. Reviewed on: 22nd January 2026

Be surprised by a CO-OP Bank.

I can not believe I have spent 70 years on this planet and not considered a people based company to use as my bank but boy have my eyes been opened in the last 7 months as a customer of CO-OP Bank. Reviewed on: 22nd January 2026

Excellent trustworthy and ethical banking

Excellent trustworthy and ethical banking Reviewed on: 22nd January 2026

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 was reassured by the bank that everything could just proceed as normal. Only to receive an email some time after saying the VISA card had been immediately that day! Directly contradicting earlier information, giving no time to make alternative arrangements & at a time when you least need the extra complications. No suggestions or mitigation, just a stop. On eventually contacting them (20 minutes on hold)I was informed that I would have to apply for a new card! A further 30 minute son hold & then informed I would be applying from scratch-no easy way to use the information they had etc. 40 + years as a loyal customer count for nothing! Absolutely brutal. A truly awful experience at an already awful time. Trying to resolve this for days & despite admitting mistakes offered an insulting sum as recompense! No attempt to mitigte their action or try to make amends at all. Reviewed on: 15th October 2025

Avoid opening current account...

Maladministration Applied to open a current account in early August - on 28/8 they wrote to me and said all was good and provided sort code and account number. By 17/9 no debit cards had arrived and the took far too long to get them to us. A total of 7 weeks to open a current account. When I called them 17/9 I spent nearly two hours on the phone they could not find me from the account number they supplied or my name and address. It took the first 47 minutes of the call for them to find me. They said that I should have quoted the application number which did not show on their letter of 28/8. We took our business elsewhere. They said that it was because of an error made by their Bristol Branch. No one took ownership of this issue and I feel their complaints team is run by a bunch of uncaring incompetents who lack the basic skills to place themselves in the customers shoes. They offered me £100 but refused to remove the credit check from my record which bears a grossly unfair and unjustified negative on my Credit Record. Avoid opening an account at this bank they are very uncaring even when admit they got things wrong. Reviewed on: 8th October 2025

Unco-operative

Call themselves Co-operative this bank has been extremely unco-operative! False promises, broken guarantees, buck passing and ultimate upset. This operation discusses ethics when they should practice what they preach. Reviewed on: 8th September 2025

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