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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.1 (401 reviews)

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4.00

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)

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

A decent ethical bank

I enjoy banking with the Coop although they could do a little more to encourage customers to stay, especially with so many switching rewards. I like the linked savings and always find staff to be helpful and friendly. Reviewed on: 12th February 2017

low cost good account

good quality low cost account for telephone type account. Website good as well. Reviewed on: 11th February 2017

Great for students accounts moving to current accounts

They have the best package for student accounts. That I have come across and they do not even advertise it. They are patient enough to give you a year to pay any interest free overdraft back while they change your account to a current. Plus are very understanding in-terms of, if you have any money issues they will just freeze/hold everything until things are okay again. Reviewed on: 11th February 2017

Excellent customer service, not the best online facilities but gradually improving.

I have been with the CO-OP Bank for a number of years and have found them extremely helpful, very professional and a good company to bank with. They have been very understanding regarding overdraft fee's and other bank charges, unlike a number of other banks. Despite the brilliant customer service, the online banking is not the best but improving gradually. Some services can also take a while compared to other banks, for example a cheque takes longer to clear with the CO OP than it does with most other banks. Overall I would give The Co Op four stars because of their excellent customer service, but improvements must be made to the online banking & processing speed. Reviewed on: 10th February 2017

Nice n Easy

The Co-Operative Bank may be one of the smaller companies out there to bank with but with all the usual features and fantastic customer service, I would recommend them to everybody. And they don't hassle or trick you into taking out credit you neither need nor asked for! Reviewed on: 8th February 2017

Coop banking excellent

Good customer service good products avaliable Reviewed on: 6th February 2017

Easy, simple current account with an overdraft facility that doesn't break the bank.

This current account is great, along with the app which makes day to day, simple banking easy. Transferring money between coop accounts is instant and quick. Phone contact is great, you get to speak to a person who is very helpful and knowledgeable Reviewed on: 5th February 2017

HASSLE putting cheques in

Its not easy to pay in cash or cheque - you can post a cheque or use the post office but it takes a long time and is not very convenient. Reviewed on: 4th February 2017

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