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The Co-operative Bank: Current Account reviews

Name: Current Account
Rating: 4.13 (398 reviews)

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4.11

Based on 398 reviews, last reviewed 19th Jun 2025

13% 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

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

Appalling "cs". Appalling "cs". Takes forever to get an answer on phone, every time ! Reviewed on: 27th February 2025

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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 (398)

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

Customer service

Can always get help and advice quickly either through online chat or over the phone. Fantastic customer service Reviewed on: 9th February 2020

I have the everyday Saver

We have just changed to the everyday saver account from a normal account. I chose this as the worldwide insurance covered me for my medication I take, where as previous travel insurance companies were charging me a premium plus on top charged for cruises at a premium. This account costs £15 month but I can get up to £5 a month cashback, and you also get free mobile insurance and free RAC cover, When you add everything up, I am saving on what I was paying on just travel insurance without the other benefits Reviewed on: 6th November 2017

Fantastic! Do good banking. X

I love using coop as its an ethical bank, you get that feel good factor whilst doing essential banking. The customer service has always been what has stood out to me as it has been fab either on the phone or in branch. They have updated the online system recently too so please don't be put off by the stories in the press, it's still alive and kicking . I feel my money is safe and I'm well looked after. You could probably get an account with more bells and whistles but this does what it says on the tin. Well done Coop! X Reviewed on: 3rd November 2017

Excellent service

Brilliant customer service every time. Reviewed on: 5th October 2017

The Reliable Bank

Have been with the Co-op for 50 years and have always found them to be honest, fair and reliable. On the odd occasion when there has been a problem they have always been quick to resolve it to my satisfaction. You always know where you are with the co-op. Reviewed on: 23rd September 2017

Helpful friendly advice

Cheeryhelfull guidance in store Reviewed on: 19th September 2017

never had a problem.

The Co-operative Bank has been through hard times of late, but since I opened my current account with them back in 1956, I can honestly say that I have never had a problem. Nowadays my banking is mostly done on line and a smart new website, recently added has enhanced that experience. I am totally happy with the Co-operative Bank and the service I receive from it. Reviewed on: 30th August 2017

Banking that feels right!

Now been with coop for a long time and never had any reason to complain. Customer service always amazing, and actual people on the phone whenever you need to sort stuff out. Reviewed on: 25th August 2017

Conned me into paying for a Current Account

I was told if I paid monthly for the Current Account I would enjoy a better credit rating and access to better mortgage packages. When it came to getting a mortgage I found this to be false. I complained to the financial ombudsman and they ruled in their favour just because they didn't have a full record of why I signed up to the paid package. Just like all other banks, not ethical like they try to pass off to being. Reviewed on: 23rd August 2017

Efficient and ethical

We pay a little extra every month (£15) for an account that include breakdown, travel, and mobile phone insurance. Where else could you get all of that for a cost of £180 a year to cover two people? The Co-op Bank has an easy to use web site and their mobile apps are also good. We've been with them for around 40 years and they've never got anything wrong. We would recommend them unreservedly. Reviewed on: 15th August 2017

Efficient and straight forward.

Great mobile app helps me keep track of my finances. £200 free overdraft. Reviewed on: 3rd August 2017

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