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The Co-operative Bank: Current Account reviews

Name: Current Account
Rating: 4.11 (388 reviews)

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4.04

Based on 388 reviews, last reviewed 7th Mar 2025

700% increase 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

Good dependable bank No frills, but good basic all and reliable Reviewed on: 7th March 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.

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The Co-operative Bank Current Account reviews (388)

No friils accounts that do what they are supposed to do!

Despite not having the best rates on the market, they have a good overdraft facility which we occasionally use. The ethical stance is something which will appeal to a number of people and is not available elsewhere. I have unfortunately in the past been the victim of fraud, but they very quickly dealt with it, refunding the disputed transactions quickly. Depending on your circumstances, this could be right for you - some accounts suit different people, but I would say it's good value if you need a regular overdraft facility (within your agreed limit). If not, there are probably other products more suited to you that pay higher rates of in-credit interest. Reviewed on: 27th August 2015

Switching my account

I had always been wary of switching anything as I felt that the hassle might outweigh the supposed benefits. But, when my bank branch closed down recently, I decided to switch. The added incentive of £100 to me and £25 to charity helped me make the decision! In the end the whole process has been totally seamless and went like a dream as I hardly had to do anything save let my employer know my new account details. Highly recommended! Reviewed on: 27th August 2015

Cashminder Account - A basic current account, ideal for people with a poor credit history.

About 18 months ago I closed the current account I held with another High Street bank as my working hours had been reduced to part time and my overdraft was racking up interest by the day. I have a less than perfect credit history and over the years was turned down by several banks who refused me even a basic current account. I looked online and found that MoneySavingExpert recommended The Cooperative Cashminder Account for people with a poor credit history and who had been refused an account elsewhere. There are certain restrictions on the account such as no Credit Card, Overdraft or Cheque Book - but this suits me fine at the moment as I am not interested in anything that involves accruing more debt. I was able to open my account over the phone and just had to post two forms of identification. They sent me a paying in book and paying in slips/envelopes - as there is no Cooperative Bank in my town - but I am able to use the Post Office for deposits and withdrawals, and I can also use my cashcard at any LINK cashpoint free of charge. Their Customer Service team are very helpful and any phone calls are charged at local rate. I am very pleased with my experience at The Cooperative Bank and I imagine I will be with them for some years to come. Reviewed on: 27th August 2015

Still ethical with care for the community

I know that the co-op has had a few issues recently, but this company still feels like it cares about the community and is trying to do be a better bank, so I will stay with them! Reviewed on: 14th June 2015

great bank hassle free

i love this bank, i have been with them a few years now and never had cause to complain Reviewed on: 7th May 2015

This current account is perfect and comes from a bank that cares about its customers.

I have to say I'm really happy being a customer of The Co-operative bank. I am always treated with respect and fine customer service always helpful. On line banking is really user friendly and feel comfortable ans secure using it every day. Reviewed on: 28th April 2015

Website is good and telephone staff are friendly and helpful

Overall I am very satisfied with my co-operative account - the website and telephone are straightforward and the staff are friendly when you have to speak to them. Definitely would recommend. I've been with them for 12 years now and have no intention to leave them Reviewed on: 28th April 2015

They usually do more than I expect.

While things like online banking could do with a couple more features, however it is easy to use and usually very clear. There is the occasional issue (just like with any bank) but these are usually dealt with extremely well and the outcome is often better than expected. Plus the principles are something very important to me. Reviewed on: 27th April 2015

Credit account switch painless

In mid February I decided to switch my current account to the Co-operative bank, tempted by the £100 to myself and the £25 charitable donation. I applied online, answered a couple of questions and within a fortnight was told that they accepted me. They then sent me a load of bumph, a card and my PIN within another fortnight. Receiving my card I set up online banking in a matter of minutes and checked if my direct debits had been set up - they had. Finally, around two weeks ago I received a letter confirming that I had been credited £100 and inviting me to go online to decide where my £25 charitable donaion should go. On the whole I'm impressed so far and the people I spoke to couldn't have been nicer. Well recommended. Reviewed on: 10th April 2015

Queues, staff not being directed to assist customers and generally milling around. Sadly gone are the efficient Brittania days. My account is moving elsewhere

Going into a branch to change my address. I was directed to take a seat, after 10 minutes watching the same 3 staff members mill around, chat and not even attemtp to clear the counter queue I was finally approached and told I needed to make an appointment... for 25 minutes later. I went to the Nationwide next door to do the same thing and was assisted immediately. Reviewed on: 26th March 2015

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