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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.12 (412 reviews)

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4.05

Based on 412 reviews, last reviewed 23rd Jan 2026

1000% increase in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

61%

18%

11%

Latest highest rating:

5

Always available locally or phone Always available locally or phone Reviewed on: 23rd January 2026

Latest lowest rating:

1

Won’t let you buy crypto. Won’t let you buy crypto. I do not feel that it is their place to tell me what I can or cannot do with MY monry Reviewed on: 23rd January 2026

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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 (412)

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

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

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