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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.1 (426 reviews)

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4.10

Based on 426 reviews, last reviewed 16th Apr 2026

1900% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

61%

18%

11%

Latest highest rating:

4

Switched current account to obtain a monetary reward. Switched current account to obtain a monetary reward. So far, so good. Reviewed on: 16th April 2026

Latest lowest rating:

1

Slow and opaque application process Very opaque and slow application process with no updates Reviewed on: 28th March 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 (426)

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

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

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