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The Co-operative Bank: Current Account reviews

Name: Current Account
Rating: 4.13 (398 reviews)

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4.11

Based on 398 reviews, last reviewed 19th Jun 2025

13% increase in 5 star reviews

in the past 90 days

100% decrease 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

Appalling "cs". Appalling "cs". Takes forever to get an answer on phone, every time ! Reviewed on: 27th February 2025

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About this product

The Co-operative (Co-op) Bank Current Account is a free account designed for everyday banking. Customers can redeem rewards for themselves or for charity. The mobile banking app also has a range of features to help you manage your money.

Our Co-op Bank Current Account reviews can give you valuable insight into life as an account holder. Be confident in your new banking provider by reading genuine customer experiences on Smart Money People.

Learn why customers chose this account and how satisfied they’ve been so far. Read about their experiences with the customer service team to see how swiftly the provider deals with customer issues. Find out what money management features are available and how much they’ve helped existing customers. Make an informed decision when opening your new account by reading our Co-op Bank Current Account reviews.

If you have a Current Account with the Co-op Bank, share your experience with others. Tell us how long you’ve had the account and whether it’s your main bank account. What are your favourite features of the account, and is there anything you feel could be improved? Have the money management features helped you understand budgeting better? Would you recommend the account to your family and friends? Write an honest Co-op Bank Current Account review today. Together, we can help people like you make better financial decisions.

The Co-operative Bank Current Account reviews (398)

Review of the The Co-operative Bank, Current Account:

Customer service

Can always get help and advice quickly either through online chat or over the phone. Fantastic customer service Reviewed on: 9th February 2020

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

They're great

I had an account with coop for 3 years and eventually closed my account as I had to have one else where due to where I worked. I soon opened an account with co-op again after realising how accessible they are in comparison to other providers. The 24 hour phone line and Internet banking app are all I've ever needed to use and the staff are always friendly and sound like real, down to earth people. I've never had a problem with them and when I had my card stolen and used by someone else, they sorted it out right away. They once even wrote to me to tell me they'd realised they'd not paid me enough interest on my account 2 years ago and sent a cheque with the amount, during the period I'd closed my account with them. Can't expect much more from them. Reviewed on: 30th November 2016

Helpful

Always answer the phone promptly. I never have to wait in a queue. Reviewed on: 25th November 2016

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