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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

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

Fair, ethical and friendly

Dealing with the co-op is always a good experience. The staff never make you feel like they have to get rid of you and always want to be very helpful Reviewed on: 31st May 2017

1st class service

been with the co op for over 30 years with my current account - superb in every aspect Reviewed on: 30th May 2017

Current Account that is easy to use?

Yes! Absolutely! I've been with a few different banks over the years and have many a time been disappointed at how difficult it was to speak with an easy to understand administrator...I finally found the bank I will be staying. They have everything offered to me by other banks; the products, the online user friendly website, they even switched all my direct debits with no Burroughs AND I got a cash back reward for the honour! Brilliant! Reviewed on: 30th May 2017

Always find them very helpful

I always find them very helpful and I have always spoken to a UK call centre Reviewed on: 25th May 2017

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