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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.1 (426 reviews)

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4.10

Based on 426 reviews, last reviewed 16th Apr 2026

1900% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

61%

18%

11%

Latest highest rating:

4

Switched current account to obtain a monetary reward. Switched current account to obtain a monetary reward. So far, so good. Reviewed on: 16th April 2026

Latest lowest rating:

1

Slow and opaque application process Very opaque and slow application process with no updates Reviewed on: 28th March 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 (426)

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

GOOD EXPERIENCE

Switched because of the bonus being offered. No problems so far and the staff are helpful Reviewed on: 27th August 2015

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

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