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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)

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

The Un-Co-operative Bank - ethical?!

Two months ago, we enquired about switching to The Co-op, wanting to benefit from the £150 switch incentive. Initially we were told on the phone that, as our current banking provider wasn't signed up to the switch scheme, we wouldn't be eligible. They then checked this and found that if we used their "manual switch" process that we would still be eligible, but that this process would take 4-6 weeks. Okay, so it's £150 and we wanted to switch anyway, so we waited. The switch went ahead but, several phone calls later we have still not received the incentive and, despite being told by two people we were eligible, we've now been told that we were "mis-informed". So, having physically moved all of our banking from our old provider, doing everything we were told by the Co-op, moving our wages and direct debits etc as required, we're not eligible apparently. I'm currently on the phone, where I have been for 53 minutes, trying to sort this out and "argue" our case. Is ethical banking really this difficult....? Reviewed on: 25th November 2016

Great service, no problems

Never had any problems with Co-op and they're always very helpful if needed Reviewed on: 19th November 2016

The Co-Operative Bank

Great customer service, they treat people like individuals, and take the time to make sure you are well looked after. Reviewed on: 16th November 2016

Very good

I am very pleased with this bank, they have helpful easily contactable staff in the UK and are always willing to help. Reviewed on: 16th November 2016

GREAT BANK REALLY GOOD SERVICE

BEST CUSTOMER SERVICE REALLY LOOK AFTER THE CUSTOMERS Reviewed on: 16th November 2016

Long call waiting times

I had to contact the bank about a transaction on my card and I was waiting for 25 minutes. I find that unacceptable at what wouldn't be expected to be a particularly busy time and based on the fact the lines are open 24/7. It did not even state my place in the queue to give an expectation. They also seem to keep deleting my security code. I had a credit card with them several years back too and when I first set up security questions then, the girl did not take any of the correct spellings and I then got locked out when trying to log in online. She also did not correctly change my payment to minimum from the full outstanding balance when requested on a prticular month which caused me issued Reviewed on: 15th November 2016

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