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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)

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

One word Co-op review: Superb

I don't normally review my bank, but when asked to do so one word jumped into my mind: Superb! To me, the Co-op stands for something special in banking which I think is important. Also, they offer great service, which make them an obvious choice in my eyes. Reviewed on: 3rd March 2015

Good bank - but could do a bit better

The co-operative bank has been very reliable. I banked with them as a teen - wrote quirky letters which they responded to nicely. Then as an adult 'I banked around'. But later I returned to the Co-op for a reliable personal and business account. OK for me things haven't gone so well in later life, I've ended up with a debit-only account - and my 'once successful' business account closed down. But I'd still recommend them. But there was one thing that always annoyed me. As a business customer I was unable to take my bank data into my accountant's system. So I spent long weekends keying in data rather than focusing on managing my money. Then as a personal customer - same problem - trying to start-up again as a 1-man business via my personal account I couldn't extract banking data. I could have used a 99p/month accounting system like Sage if only I could extract the bank data. So after 15 years I'm still waiting for that change to proper digital banking and accounting. Reviewed on: 24th January 2015

Great bank!

Love the Co-op bank. Always someone available to help you in branch or on the phone. Very good security checks. All this wothout even mentioning their ethical values! The only small gripe I have is the lack of branches compared to the bigger banks, but that's not much of an issue in this electronic world! Reviewed on: 20th January 2015

excellent customer service, oustanding security checks, always come out bank with a smile

Have been a customer of the cop op bank for over 3 years now, they have the hisghest security checks in place in the country and beat every other bank hands down on the products they sell, the customer servise alone is outstanding and if your having a bad day can rest assured that the staff t co-op will definately not make it worse, loyal life-long customer....Rachel. Reviewed on: 8th January 2015

Personal, helpful and (a rarity these days) knowledgeable

I recently took the decision to switch from NatWest to Co-op Bank after 26 years. As well as the ethical issues of remaining with NatWest, I was also fed up of the lack of financial knowledge every time I wanted anything from them. The service and knowledge from Co-op have been like going back to how banking was 15 years ago or more. Reviewed on: 27th December 2014

Always approachable and willing to help, their telephone contact team are superb (and based in England)!

Telephone calls are always answered promptly and courteously. Nothin is too much trouble, even at 4am! Staff knowledge is excellent and they'll call me back if they need to research the answer. The Co-Op Bank Twitter feed is excellent. The bank App is also very good. And they are an ethical bank. Ticks all the fight boxes for me! Reviewed on: 26th December 2014

Great customer service

Great bank, great service can't recommend enough Reviewed on: 26th December 2014

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