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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.12 (412 reviews)

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4.06

Based on 412 reviews, last reviewed 23rd Jan 2026

1000% increase in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

61%

18%

11%

Latest highest rating:

5

Always available locally or phone Always available locally or phone Reviewed on: 23rd January 2026

Latest lowest rating:

1

Won’t let you buy crypto. Won’t let you buy crypto. I do not feel that it is their place to tell me what I can or cannot do with MY monry Reviewed on: 23rd January 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 (412)

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

Ethical, friendly, as it should be!

Ethical, friendly, as it should be! Day to day banking is a pleasure and a breeze... in the bank where everyone knows your name! Reviewed on: 15th November 2016

Simple, easy and easy to get through to someone

I never have any problems getting through to the bank & that's great when you need to query something. Would recommend Reviewed on: 14th November 2016

coop current account

It does what it says on the tin. I go to the bank'I withdraw/pay in money. What else is it supposed to do? Reviewed on: 14th November 2016

Never experienced anything quite like it

I think they have 2 members of staff total. Its even worse that the shop with its mouldy veg. Have not been able to access the site once and can't ever get through on the phone. The chat is also always 'unavailable'. Also in branch they dont have any machines and one person on counter so always a queue. May as well have given my money to a homeless man to look after, would have been more reliable. Reviewed on: 30th October 2016

I was bankrupt and they helped

I went bankrupt. That makes it almost impossible to get a bank account. The Co-op were prepared to listen and make an assessment based on a newly secured job when no one else would. May 2008 was good and bad! Reviewed on: 27th June 2016

Fantastic services

Top bank, great customer service, easy internet banking Reviewed on: 20th June 2016

amazing

I have been with the co-op current account for years now and I would definitely recommend them as all the staff are friendly and welcoming and always happy to help Reviewed on: 28th March 2016

They are always very helpful and able to answer any questions.

The bank is always very helpful about changing things and are always friendly and helpful. Reviewed on: 19th February 2016

On the Ball

A couple of years ago the bank contacted me to say they'd spotted fraudulent activity on my current account to the tune of £500. Although I check my account daily, they had spotted the transaction, contacted me and refunded the money to me before I even noticed. Considering the problems people have had with other banks, full marks to the Co-operative for this one. Reviewed on: 18th February 2016

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