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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)

Good service.

Good friendly service everytime we call. Reviewed on: 3rd February 2017

Excellent service and clear information but no local access

I have been banking with The Co-op for around 15 years. I have always found their customer service to be excellent, quick to answer phone calls, efficient and friendly staff and an easy to use mobile app and online banking. The only downfall is the lack of local branches, if you need to add cash to an account the choices are not convenient at all. For some time customers could use Britannia Building Society branches for counter services but this has also ceased. I can use a Post Office to add cheques to my account but not cash. Reviewed on: 31st January 2017

Fantastic Customer Service

Have always had fantastic help when needed, quick and easy to access customer service. Reviewed on: 29th January 2017

Ethical bank with good cyst experience

This is a great bank to work with. Excellent customer service on the phone which is fast and efficient. Also face a great app. The online system is also very effective. Reviewed on: 25th January 2017

The Co-operative bank is the only positive choice in today's world!

The Co-op is the most ethical high street bank. They offer everything you need and you can make withdrawals and deposits at the post office. The staff I have come across have been lovely and when telephoning, they have been very polite and helpful. Reviewed on: 13th January 2017

Good but could be great.

They have just done up the website which is great but transactions take too long to appear. It was easier to log in before, but perhaps that's the point. Great that it's ethical. Reviewed on: 5th January 2017

Mess up

I had recently swapped to the CO-OP Bank as I decided to change from Santander,I had the account open for less than a month when I tried to purchase an item online from Dunelm mill ,It took 2 attempts as thefirst payment was apparently not authorised,Later on checking my account I found that both payments of £260 (so £520) had gone from my account,I contacted the Co-op and was basically told they are a holding bank and i had to sort the payment out with the company I purchased from,withing 1 week I made a payment to my credit card or £500 which was also taken twice,I got that back within 3 days but the original payment took 3 weeks to go back into my account with no help from the co-op. Reviewed on: 2nd January 2017

Excellent service friendly staff

We have always found staff to be helpful and friendly. Reviewed on: 2nd January 2017

Good ethical bank, not great online

I found online banking to be difficult to log in to, with not much help if you enter your details in wrong. Reviewed on: 30th December 2016

Trustworthy

What impresses me most about the Co-op Bank is what impresses very many of those who choose to be with it. It's sheer ethical, moral standing. I find the bank utterly trustworthy - i.e. on your side and not on their own. - And that says a lot these days. I trust them to look after my money for my sake. Reviewed on: 28th December 2016

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