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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.1 (401 reviews)

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4.01

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)

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

Scam

This bank is not cooperating with my bank in order to stop a scam. I have lost £399 and this bank is not wiling to close the scam account (details below) and give my money bank Sort code 087199 Account number 04480495 My bank has contacted them several times and I reiterate that they are not helping Reviewed on: 30th July 2017

Good bank

I don't get actual interest on my balance, but I do get £5.50 per month for just using the account. Given that my average balance is quite low is a pretty good interest rate equivalent. Not had any problems running the account so would definitely recommend. Reviewed on: 24th July 2017

Great bank just troublesome times

This is a great bank with excellent customer services - however it has lost it's ethical edge and the future remains uncertain Reviewed on: 30th June 2017

Smile- it's the online co-op bank

Been with smile for quite some time now and have found them to be a thoroughly helpful and supportive bank. Their online and telephone staff are polite, helpful and very knowledgable. Reviewed on: 29th June 2017

Good service

Good customer service, always happy to help Reviewed on: 29th June 2017

Great account

Easy and ethical banking - just what I want Reviewed on: 31st May 2017

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