Write a review

Go to business site

The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.1 (401 reviews)

View other The Co-operative Bank products

4.01

Based on 401 reviews, last reviewed 15th Oct 2025

No new 5 star reviews

in the past 90 days

100% 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

Read all reviews See your review

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.

The Co-operative Bank Current account reviews (401)

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

Incompetent,uncaring,bureaucratic cretins

Having spent the best part of two months trying to open a simple current account with no credit or borrowing facilities, as a non resident of the UK ,I can safely state that the Coop Bank is the worst bank I have ever had the misfortune of wasting my time trying to deal with.The bank advertise current accounts for non residents on the internet making the claim that the procedure to open an account is simple.Once the process starts,only then are the mindless cretins in the bank's so-called security and vetting department in Skelmersdale revealed.The documentation demands from the aforementioned department go far beyond supplying a copy of one's paasport and copy proof of a residential address.No, the bank must have either "certified" copies or original documents.Bearing in mind that the person ,in this case, is applying from outside the country it is impossible to pop along to a branch in the UK and show original documentation.Certification means a written statement on the copy documentation from a notary public or the like ,which is not only an expensive exercise in the country where I am resident as well as being impossible during a lockdown.Correspondence from Skelmersdale to the Netherlands took three full weeks to arrive .One letter said that if I did not reply within 28 days my application would be rejected.I managed to reply within 28 days using expensive couriered post.To no avail -we must have certified documentation.Remember,I was trying to deposit money with this bank not borrow from them.I complained.I receieved an email telling me my complaint had been dealt with.Two weeks after that,again with a three week delay I received a letter telling me my complaint about lousy service,uncontactable telephone numbers and postal delays was not the fault of the bank but the peopkle delivering the letters and the Covid crisis.In short don't touch this bank with the proverbial barge pole.The whole organisation ,including the management and complaints team based in Manchester are totally useless and not fit for purpose. Reviewed on: 21st May 2020

It's a good bank account good bank very recommendabl...

It's a good bank account good bank very recommendable good Reviewed on: 1st August 2024

Easy to contact and respond promptly.

Easy to contact and respond promptly. Reviewed on: 16th June 2024

Excellent bank!

Excellent bank! Help people with poor credit records etc ! Ethicality too! Reviewed on: 30th May 2024

Great package of benefits

The current account offers a great package of benefits Reviewed on: 25th May 2024

Easy account and like their ethical banking.

Easy account and like their ethical banking. Helpful and polite customer service every time I have called. The only drawback I would say is the lack of high street branches but that seems like every bank at the moment. Reviewed on: 24th May 2024

Good to be alive

Not to bad difficult when a lot of customers are in Reviewed on: 24th May 2024

Co-op are easy to work with

CO-op have an excellent app and website and are excellent to do business with Reviewed on: 12th April 2024

Slow and limited

If you’re looking for a basic current account, this will work fine. I also like the friendly approach from the Co-op, and ethical status. However, phone hold times often get in the excess of 1 hour and there’s no other way to communicate. The app is very limited in what you can do, and everything is just slow. There’s also little perks to go alongside this current account. Reviewed on: 11th March 2024

Terrible customer service!

We have been customers of Cooperative bank for many years. Unfortunately the customer service has deteriorated over the years. I have recently raised a complaint about a bank transfer which was not made. I have spent nearly 3 hours on the phone, been given various poor excuses, assurances which were not met and still the payment has not been made. It feels as if they no longer value customers and I would not recommend this bank to anyone. Reviewed on: 7th March 2024

Everyday Extra packaged bank account is excellent.

Their Everyday Extra packaged bank account provides, in my opinion, unbeatable value for money in terms of the benefits it provides. Reviewed on: 6th March 2024

Do you have a different The Co-operative Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Current account
from Zopa 5.00 from 2 reviews
Current account
from Card One Money 3.13 from 4 reviews
Bank Account
from Habib Bank Zurich plc 4.78 from 3 reviews

Want to see more from The Co-operative Bank?

Professional and Career Development Fund
from The Co-operative Bank 4.75 from 3 reviews
Cash Passport
from The Co-operative Bank 4.33 from 3 reviews
Student Current Account
from The Co-operative Bank 4.13 from 8 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub