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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)

Appalling "cs".

Appalling "cs". Takes forever to get an answer on phone, every time ! Reviewed on: 27th February 2025

Coop bank is Empathy Central

Coop have been very helpful during times of financial hardship and being the victim of coercion Reviewed on: 27th February 2025

30 years with the Co-op Bank and still going strong!

I have banked with the Co-operative Bank for 30 years, and throughout that time I have found them to be not only very efficient but also very helpful, empathic and personable whenever I needed to contact them. Their online banking service and app are easy to navigate and use. I have referred friends and family to them, Reviewed on: 26th February 2025

Fairly good but don’t link with other apps like a lo...

Fairly good but don’t link with other apps like a lot of their competitors Reviewed on: 26th February 2025

Good service

Good service, patient and helpful Reviewed on: 26th February 2025

Great customer service.

Great customer service. Easy to use app. Great company to bank with. Reviewed on: 26th February 2025

Very good rewards system for an active current account.

Very good rewards system for an active current account. The account was easy to set up online and having a couple o direct debits and using the debit card actively activates monthly rewards which paid better than a lot of current account interest rates. Reviewed on: 6th February 2025

Co-op are quick, honest and help in times of need!

Co-op are a very honest bank! They always get back to you fast with your queries, and they are very good at helping if you've ever been scammed! Saving interest rates aren't very high but then they make ethical investments which lead to lower AER which I think are worth it. They have one of the best package accounts "Everyday extra" which offers really good cover for you and your kids (up to 22 years old!) Reviewed on: 4th February 2025

Provides good, trust worthy banking for everyone, fr...

Provides good, trust worthy banking for everyone, from all different backgrounds and financial situations. Reviewed on: 14th January 2025

Not a lot positive about Co-op bank

The only positive thing about Co-op bank is the fact that it's a lot more ethical than other banks. However, the switch process is extremely slow and takes a lot more effort than it's worth. The app is lacking in a lot of functionality compared to other banks apps. On top of that customer service is limited and it seems as though it's a bank that's stuck in the 90's. Reviewed on: 28th November 2024

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