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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.12 (399 reviews)

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4.09

Based on 399 reviews, last reviewed 8th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

100% 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

Unco-operative Call themselves Co-operative this bank has been extremely unco-operative! False promises, broken guarantees, buck passing and ultimate upset. This ope... Read more Reviewed on: 8th September 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 (399)

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

Simples

The Co-op bank current account offer a no frills bank account and their customer service and internet banking are easy to use! Reviewed on: 26th April 2017

Day to day contact

Good online and telephone service, but poor branch network. Reviewed on: 31st March 2017

Current account for 57 years

I have had current accounts with this Bank for 57 years with no problems and free banking. Can't say much more than that. Reviewed on: 17th March 2017

Absolutely fantastic

Since joining the Co-operative (which in itself was far easier than any other bank I tried), I have not experienced a single negative thing. I am not constantly bombarded with unnecessary emails/texts/calls/post. Very easy to contact and speak with when needed, and the improved on-line banking is so simple to use. Overall, for my needs this is the best bank to use 10/10. Reviewed on: 13th February 2017

Fairly good service so far- good switching bonus

Their initial customer service was dire, switching took over a month because of their ineptitude and incompetence. But that aside, their day to day handling of my account has been fine. I switched for the bonus and because my previous bank were poor, I regretted switching at first, but now I am happy with their service Reviewed on: 12th February 2017

Great customer service

All interactions I have had with the customer service department of the co-op bank have been great. Each time they have been extremely helpful and able to resolve my issues. Reviewed on: 12th February 2017

Changing old account and opening a new one.

Opened a current account with them after having a really old account with Bristol & west. I was taken into a private office so felt my private details wernt heard by everyone else. The lady I dealt with was really friendly and explained everything in a clear manner. My second visit was to set my security up on my account were I seen a different member of staff. As before they were very friendly and professional. I was very pleases with the overlay experience and came away with an account I'm happy with. Would highly recommend them. Reviewed on: 12th February 2017

Could do better

We chose the co-operative bank over 15 years ago because of their ethical investment policies. We were impressed by the thought of a bank actually having an ethical policy! We still are happy that they do but simply wish they they would apply their same sense pf ethics to their every day dealing with their customers. The charges for the everyday banking is surprising. They are currently undergoing maintenance and are therefore unavailable online for anything other than emergencies. They prepared their customers for this, but in this day and age, it is still unacceptable. Reviewed on: 12th February 2017

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