Write a review

The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.12 (399 reviews)

View other The Co-operative Bank products

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

Read all reviews Write a review

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.

Review The Co-operative Bank: Current account now

Help others make smarter decisions by sharing your own experience.

Write a review

The Co-operative Bank Current account reviews (399)

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

customer service

I recently was a victim of fraud and the co-operative bank were amazing, personal and decisive action was taken I didnt have to worry at all, where as hsbc it was an supportive slow process. Reviewed on: 28th December 2016

Lovely people, real human relationship with a bank

I have been with HSBC for years. But Ive been extremely impressed with how Co-operative bank handled a situation recently for me. Making it easier to let go of a long-standing relationship. The people in Bristol branch were particularly warm and accessible. Simply they make you feel you matter. Reviewed on: 5th December 2016

Do you have a different The Co-operative Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

123 Current Account (discontinued)
from Santander 4.17 from 1252 reviews
Student Account
from NatWest 4.26 from 89 reviews
Current Account
from Clydesdale Bank 3.61 from 61 reviews

Want to see more from The Co-operative Bank?

Professional and Career Development Fund
from The Co-operative Bank 4.75 from 3 reviews
Cash Passport
from The Co-operative Bank 4.33 from 3 reviews
Student Current Account
from The Co-operative Bank 4.13 from 8 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub