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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.12 (399 reviews)

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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

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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 (399)

Great for kids savings accounts

I have been really pleased the service from the co-opertive bank. My kids have accounts and received freebies on opening the accounts. They get regular 3 monthly statements and bonus's at the end of the year. Both in branch and on the phone staff have always been helpful. Reviewed on: 24th December 2015

Couldn't have had 2 more different experiences

I had a letter querying my address despite no longer having an account with the co-op. I rang them to find that when I had opened my current account the bank had also opened a savings account that wasn't closed when I transferred banks. I asked to close the account and gave my security answers but was told it was a no go and needed to go to branch to close the account. A hassle as there is no branches in easy reach. Frustrated I ended the call and left it. On the off chance I rang again a few days and couldn't have got a more helpful member of staff, giving her the same security answers she had closed my account in less than minutes. I can't believe that a customer based service could provide such different service. Reviewed on: 24th December 2015

branches closing

I swapped to join the cooperative bank only to find 2 years down the line they closed the branch in my local town. I then had to travel 10 miles to the next branch which they have also now closed! Reviewed on: 9th December 2015

Fabulous current account with lots of features and great customer service

I have had a current account with The Co-Operative Bank for nearly 5 years and its fantastic. For £9.99 a month (the first year was completely free) I get breakdown cover, mobile phone insurance and travel insurance which is fantastic! I have also found that when I ring the customer service team or go into a branch the customer service is second to none. I would definately recommend this bank. Reviewed on: 26th November 2015

A bank that makes you smile

I have an account with The Cooperative SMILE. This is the best online bank I have found in a while. Daily access with the easy to use app. I can pay bills and transfer money straight from my lap. With many accessible locations dotted all over the place. I guarantee the wonderful customer service will always put a SMILE on my face. Reviewed on: 22nd November 2015

Good for basic bank account, however lose one star for complicated online banking system.

Good for basic bank account, however lose one star for complicated online banking system. Reviewed on: 22nd November 2015

Excellent Service

Excellent contact when setting up a current account with the co-op, professional service throughout and well informed staff ensure that every ongoing request I have with the bank is dealt with swiftly and properly. Reviewed on: 21st November 2015

good reliable bank

This is a excellent bank , very friendly /helpful staff however not the best interest rates Reviewed on: 6th November 2015

My local branch is run very efficiently with very helpful staff.

My local branch is run very efficiently with very helpful staff, the interest rates my not be the best in the market but the service and advice is good at my branch (Islington). Reviewed on: 3rd September 2015

Very poor service

I signed up for a current account with the Co-Op for the ethical side of things more than anything. However, it was not a pleasant process. I signed up online, didn't hear anything for weeks so decided to phone up and they had no record of my application. After applying again I did receive a pack in the post and got started with the account. Then when I wanted to withdraw money from the account they wanted to see ID!!! So I had to make an appointment to go into the branch who were not particularly friendly or helpful. When I did finally manage to get some cash out from the branch they said they could not give me a copy of my statement, not sure why! Reviewed on: 31st August 2015

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