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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.11 (400 reviews)

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4.04

Based on 400 reviews, last reviewed 8th Oct 2025

100% decrease in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

59%

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

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 accou... Read more Reviewed on: 8th 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 (400)

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 card actively activates monthly rewards which paid better than a lot of current account interest rates. Reviewed on: 6th February 2025

Co-op are quick, honest and help in times of need!

Co-op are a very honest bank! They always get back to you fast with your queries, and they are very good at helping if you've ever been scammed! Saving interest rates aren't very high but then they make ethical investments which lead to lower AER which I think are worth it. They have one of the best package accounts "Everyday extra" which offers really good cover for you and your kids (up to 22 years old!) Reviewed on: 4th February 2025

Provides good, trust worthy banking for everyone, fr...

Provides good, trust worthy banking for everyone, from all different backgrounds and financial situations. Reviewed on: 14th January 2025

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 takes a lot more effort than it's worth. The app is lacking in a lot of functionality compared to other banks apps. On top of that customer service is limited and it seems as though it's a bank that's stuck in the 90's. Reviewed on: 28th November 2024

7% savings account with a £0 balance

Opened new current account via Switch. All went smoothly. 7% savings account attached and dd set up. DD didn't leave account in the morning (as do all DDs right?), so manually transferred. Then the DD payment was sent mid morning, so I withdrew the £250 from the savings account, as I'd sent 2 x £250 to the savings account, they also withdrew £250. Balance now £0. You can only put £250 a month in the account in any month. Couldn't make use of the 7% interest. Changed to SO instead to remove a repeat of this issue, but low and behold, the SO didn't get sent, so I cancelled SO and sent £250 manually. But the bank then honoured the SO, sent the money. So I withdrew the £250. They then withdrew the £250 because I'd sent the £250 twice. Balance £0. 2 months in succession with a balance of £0, in a 7 % interest account. I realise this is equally about the Savings account so will leave a review for that also. And their customer services team were not the best in regard to payments to / from a credit card. Reviewed on: 28th November 2024

Customer service is a breath of fresh air

Customer service is a breath of fresh air. UK based member of staff called me to go through setting up my account, recommended a linked saving account and a year later contacted me with a new higher rate saving account which she sorted over the phone. Really friendly. Completely different to my customer service experiences with other banks and businesses. Very happy to be banking with them, the only negative is the lack of physical branches (my nearest is quite far away). Reviewed on: 10th October 2024

I'm autistic and dyslexic

I'm autistic and dyslexic and still… I'm autistic and dyslexic and still work full-time and been with coop many years. My tenancy was up 2 weeks ago and the council found me a flat to move into so I spent all my money moving and that includes all my overdraft so I have no money until I'm paid in a week .I called the coop bank to tell them I've 1 pound in electric left and no food in until I'm paid Friday can I have 50 pounds to get electric and abit of food until Friday! They said no and said that I should go to a food bank and they may get me some electric somehow but they weren't sure.i put the phone down ! I'm sitting here hungry and 1.25 left In my emergency electric .coop bank I hate you and how you treat disabled people in a time of need .50 pounds for electric and food until I'm paid but you prefer me to die Reviewed on: 27th August 2024

I like their ethical policies and the customer servi...

I like their ethical policies and the customer service experience and online banking is good Reviewed on: 24th August 2024

Good value account with extras

My husband and I are very pleased with the Co-Operative Bank's Everyday Extra account. It does require a monthly deposit, but for £15 a month we get travel insurance, RAC roadside assistance and mobile phone insurance as well as small amounts of cashback. Very good value for money. Reviewed on: 23rd August 2024

It's a good bank account good bank very recommendabl...

It's a good bank account good bank very recommendable good Reviewed on: 1st August 2024

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