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The Co-operative Bank: Current Account reviews

Name: Current Account
Rating: 4.1 (387 reviews)

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4.02

Based on 387 reviews, last reviewed 28th Feb 2025

600% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

59%

19%

11%

Latest highest rating:

5

Nice people always effortlessly efficient always go... Nice people always effortlessly efficient always go there. It’s Reviewed on: 28th February 2025

Latest lowest rating:

1

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

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About this product

The Co-operative (Co-op) Bank Current Account is a free account designed for everyday banking. Customers can redeem rewards for themselves or for charity. The mobile banking app also has a range of features to help you manage your money.

Our Co-op Bank Current Account reviews can give you valuable insight into life as an account holder. Be confident in your new banking provider by reading genuine customer experiences on Smart Money People.

Learn why customers chose this account and how satisfied they’ve been so far. Read about their experiences with the customer service team to see how swiftly the provider deals with customer issues. Find out what money management features are available and how much they’ve helped existing customers. Make an informed decision when opening your new account by reading our Co-op Bank Current Account reviews.

If you have a Current Account with the Co-op Bank, share your experience with others. Tell us how long you’ve had the account and whether it’s your main bank account. What are your favourite features of the account, and is there anything you feel could be improved? Have the money management features helped you understand budgeting better? Would you recommend the account to your family and friends? Write an honest Co-op Bank Current Account review today. Together, we can help people like you make better financial decisions.

The Co-operative Bank Current Account reviews (387)

Review of the The Co-operative Bank, Current Account:

useless

ended my oxfam credit card without explanation told i could get reward instead by transferring my current account wasnt told they would refuse me same overdaft limit until after transferred Reviewed on: 9th November 2018

Shocking outdated banking and awful response from call handler in fraud team

This bank is shockingly outdated and blaming visa for continuously blocking my card and account . When it is their systems, as other banks are not blocking as frequently as this, I mean after 2 or 3 transactions !! Manager very defensive as soon as she comes on the phone and unable to show any empathy or willingness to solve the issues ! Terrible managerial skills ! I would not recommend using this bank , call system is awful , have to wait for 60 mins at least , and they really do not appear to care ! Moving to another bank as we don’t have to put up with this shocking customer service ! Reviewed on: 6th December 2022

Great bank

They have green policies and have humanitarian leanings. They also help with food banks. Reviewed on: 13th October 2022

Disappointed

I have banked with the Co op Bank for many, many years. I have always been proud of 'my' bank for their excellent customer service but since the pandemic, I have experienced nothing but frustration. The last time I tried to contact Customer Services, I waited 30 minutes, was disconnected from the person I finally got to speak to and then had to wait another 30 minutes to speak to someone. The entire process cost me over £6 in call charges. Whenever I use the messaging function, to seek solutions to banking issues, I get a message back to say I need to call Customer Services. I'm exploring options to move to another bank. Reviewed on: 29th September 2022

The Ethical Bank

A business that stands for everything I believe in. Reviewed on: 27th September 2022

Friendly helpful go through extra mile

Every time I have an issue they are super helpful They have always gone the extra mile to help me unlike other banks Being disabled they have been understanding about talking to people on my behalf when needed. Always a good experience. Reviewed on: 23rd September 2022

Call themselves ethical/peoples bank ..far from it

Have been with this bank 25years am in full time employment and they have just pulled my overdraft from under me. at a time when we are deep in a cost of living crisis I will be pushed into financial crisis at the end of Sept . This has caused me untold anxiety and stress and then they have the cheek to send emails for me to recommend a friend . Reviewed on: 28th August 2022

Fair, ethical and kind banking. Have banked with them for years and will never leave.

The first bank I knew that were keen to have me avoid charges. They provide timely notifications that allow me to rectify issues before consequences ensue. Also they are the first bank I ever received a Christmas gift from. Thanks Co-op! Reviewed on: 8th July 2022

very good bank

really excellent customer service and very reliable, co-op is professional and more upmarket than people realise Reviewed on: 24th June 2022

The Unco-operative Bank: Run away before they drive you insane

We have used this bank online for a couple of years, all is OK until you want contact them. You have to use the phone, at 9 pence a minute, and the hold times are upwards of an hour, easily 40 minutes and on several occasions, having waited for ages the system cuts off. If and when you get through it is pot luck whether or not you get a helpful member of staff, most are helpful I must add. A recent need to send money abroad has revealed some insanity on their part, which would have affected us had we not decided to leave immediately. After absurdly repeated security questions we were asked for the EXACT date and time of the last transaction, without which correct answer the attempt to move our money could not proceed - the assistant simply could offer nothing more, they have no discretion, they won't refer upwards to a manager and they won't call back. The question is unanswerable, even their own online transactions do not record or report the time, exact or otherwise. End of first attempt to do what we wanted to do with our own money. We made a formal complaint. A day later a message said that the complaint had been resolved during the conversation! No such resolution has occurred, no further conversation has been had. After repeating the complaint a letter arrived saying that the complaint had been resolved 'Following our conversation'. The letter was signed by a Nicola Cook and it said if further discussion was needed call us on... and we'll be happy to discuss this with you'. Needless to say a call was made (50 minutes on the phone waiting) however Nicola Cook refused to come to the phone because - you guessed it - the complaint had been resolved following a conversation. Realising that the Unco-operative Bank operates in a parallel universe, we have applied at once to a different bank. In the meantime we had to take our money out of the bank's grasp and through the Post Office were able to transfer via Western Union, a process that was obstructed and delayed for another day by the bank. It also proved impossible to set up a PayPal means of transfer. Perhaps they feel they have more need of our money than we do. Reviewed on: 11th June 2022

A responsible bank

Does what a bank should do, and is efficient and helpful to customers Reviewed on: 11th June 2022

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