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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)

Good ethnically

Contribute lots to community schemes Reviewed on: 14th March 2023

Good customer service

Worth considering for a current account, customer service is good and they do not appear to want to squeeze every penny out of you. Reviewed on: 11th March 2023

Does everything I need

Have been with Co-Operative Bank for a decade now. Never had any bother. They were helpful and compassionate when I was a victim of fraud last year. The app works well and my money has been handled fine. No causes for complaint in ten years. Would recommend. Reviewed on: 10th March 2023

Ethical and efficient bank

I moved my current account to the Cooperative Bank as it scored highly as an ethical bank. I have been very happy with the service. The ap is easy to use, staff are efficient and helpful. I pay a monthly fee for my current account and am very happy with the additional benefits particularly the annual holiday insurance and access to airport lounges. Reviewed on: 9th March 2023

Ethical Banking

The Co-operative bank puts ethical banking at the centre of its customer offering. Reviewed on: 9th March 2023

Excellent

Good service, and my money is being used ethically. Reviewed on: 22nd February 2023

most helpful when I had financial problems

first class bank, really helpful & also very ethical Reviewed on: 22nd February 2023

15 Years with Cooperative Bank: A Mixed but Ethical Banking Experience

I have been a customer of Cooperative Bank for over 15 years and have been generally satisfied with my current account. The bank's commitment to ethical and sustainable practices aligns with my values, and I appreciate that my money is being used to support positive social and environmental initiatives. The online banking platform is user-friendly and convenient, and I have had no issues with accessing my account or conducting transactions. However, I have found that customer service can be hit or miss, with some representatives being more helpful than others. Additionally, the bank's fees and interest rates are not always the most competitive on the market. Overall, I value my relationship with Cooperative Bank and the impact my banking decisions can have on the world, but I do keep an eye out for better offers from time to time. Reviewed on: 19th February 2023

Excellent bank

Coop bank is great, they offer good savings rates, update quickly and customer service is very helpful. However, their online banking and app is a little outdated and there are not as many branches around as other high street banks but otherwise they are very good and feel like a more friendly bank than others. Reviewed on: 8th February 2023

Most ethical on the high street

Staff at the branch are brilliant. Phone lines are horrible, but that's the same with them all Reviewed on: 7th February 2023

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