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The Co-operative Bank: Current account reviews

View other The Co-operative Bank products
4.22
Based on 431 reviews, last reviewed 14th Jul 2026
67% decrease in 5 star reviews
in the past 90 days
50% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
61%
See only 4 star reviews
18%
See only 3 star reviews
5%
See only 2 star reviews
5%
See only 1 star reviews
11%

Latest highest rating:

5

Colchester branch very helpful Great experience at the Colchester branch. Excellent experience switching Reviewed on: 14th July 2026
SW's avatar
SW

Latest lowest rating:

1

Rubbish customer service I want to dial a number and speak to a person, not dial a number and have to go through stacks of menus and submenus AND a wait, which I pay for presu... Read more Reviewed on: 29th April 2026
KD's avatar
KD
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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 (431)

User friendly app

4
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
F. Isaacs 's avatar
F. Isaacs

Mickey mouse bank

2
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
Stacv15@gmail.com's avatar
[email protected]

Great ethical bank

5
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
Joseph Smith's avatar
Joseph Smith

Easiest banking experience

5
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
CSE's avatar
CSE

Efficient ethical bank with helpful staff

5
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
Patricia O'Brien's avatar
Patricia O'Brien

Consistently high level of service and help from always approachable staff

5
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
Theresa Marland's avatar
Theresa Marland

Customer Services

5
Keep me informed and answer my calls promptly. Reviewed on: 8th April 2023
Jean Tomlinson's avatar
Jean Tomlinson

Perfect

5
Straightforward and has all you need!!! Reviewed on: 5th April 2023
Nic76's avatar
Nic76

Switching after 20 years

1
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
Faye Calvey's avatar
Faye Calvey

not competitive poor rewards and interest

1
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
Paul Henderson's avatar
Paul Henderson

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