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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)

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

Great account

Easy and ethical banking - just what I want Reviewed on: 31st May 2017

Fair, ethical and friendly

Dealing with the co-op is always a good experience. The staff never make you feel like they have to get rid of you and always want to be very helpful Reviewed on: 31st May 2017

1st class service

been with the co op for over 30 years with my current account - superb in every aspect Reviewed on: 30th May 2017

Current Account that is easy to use?

Yes! Absolutely! I've been with a few different banks over the years and have many a time been disappointed at how difficult it was to speak with an easy to understand administrator...I finally found the bank I will be staying. They have everything offered to me by other banks; the products, the online user friendly website, they even switched all my direct debits with no Burroughs AND I got a cash back reward for the honour! Brilliant! Reviewed on: 30th May 2017

Always find them very helpful

I always find them very helpful and I have always spoken to a UK call centre Reviewed on: 25th May 2017

Simples

The Co-op bank current account offer a no frills bank account and their customer service and internet banking are easy to use! Reviewed on: 26th April 2017

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