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The Co-operative Bank: Current account reviews

Name: Current account
Rating: 4.1 (401 reviews)

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4.01

Based on 401 reviews, last reviewed 15th Oct 2025

No new 5 star reviews

in the past 90 days

50% decrease 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.

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

User friendly app

Personal account banking app is easy to use and provides a good overview of all accounts held. It has improved over time. Reviewed on: 6th June 2023

Mickey mouse bank

Bank app never working, consistent pending transactions. Bad customer service. After 16 years of banking with this company I've had no choice but to move and should of done it years ago! I've less stress in my life on my financial situation now. Reviewed on: 4th June 2023

Great ethical bank

I've always experienced friendly and professional customer service whenever I have contacted The Co-op. I find the banking app very easy to use. Reviewed on: 1st June 2023

Easiest banking experience

Before I was with co-op I got money taken out of my account/stolen and my old bank would never help. I’ve never had a bad experience and they’re always friendly and helpful. Reviewed on: 31st May 2023

Efficient ethical bank with helpful staff

The Cooperative Bank is one of the few ethical banks which is why we decided to join it many years ago. It has a user friendly app, making it easy to check accounts and move money. We pay an additional fee for our current account for which we get worldwide travel insurance, breakdown cover and access to airport lounges, all good perks. Reviewed on: 31st May 2023

Consistently high level of service and help from always approachable staff

My local co-operative bank branch in Islington consistently provides not simply good service but also help and advice. I work in the third sector and the branch has been invaluable in helping me to ensure my clients retain as much financial independence as possible while at the same time keeping them safe from possible abuse. Reviewed on: 11th April 2023

Customer Services

Keep me informed and answer my calls promptly. Reviewed on: 8th April 2023

Perfect

Straightforward and has all you need!!! Reviewed on: 5th April 2023

Switching after 20 years

Not accessible enough in regards to customer care opening hours Worst App ever never updates quick enough and has no view of pending transactions App is constantly down for maintenance yet nothing changes Poor online service Starting to think they have very lax online security and could be getting hacked due the amount of times the app and online banking goes down Reviewed on: 3rd April 2023

not competitive poor rewards and interest

Bank was excellent but deteriorated in the past 10 years. Takes an hour or two to get through to customer services by telephone. Sometimes cut off. App ok. Compain and dismissed automatically and always "upheld" only still using as been with them for just short of 50 years. Interest rates deplorable compared to competition unlike previous. Sadly back to the days they were a piggy bank. What a shame. They need to get their act together. Can't always hide behind ethical banking to exploit customers by token interest and rewards. Reviewed on: 16th March 2023

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