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Penny P Incher

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

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The Co-operative Bank is THE only truly ethical bank

The Co-operative Bamk is THE only ethical and environmental Bank, rated as such by Ethical Consumer AND Which? Money magazine. I switched to them a year ago for this reason (and received £175 for doing so). Their savings accounts interest rates paid are great (7% currently for the Regular Saver) and their customer service, especially when requesting CHAPS or making larger payments by phone, is excellent. They take security extremely seriously too - checking and double checking to make sure I know what I'm doing and keeping me safe especially for larger payments (Ive had lots of those in the past year due to moving home). This sometimes takes a little longer as occasionally I have to listen to the same warnings/answer the same kind of questions more than once - but better to be safe than sorry in my opinion. I feel happy knowing my bank doesn't invest in/trade with dodgy environmental or military or politically questionable businesses/activities/parties and knowing that, as with all Co-operative services, they are member-owned and governed means that for me, they are the only bank I would choose now. Reviewed on: 7th April 2026

Review of the PayPal, PayPal Credit:

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PayPal Credit has simplified my life enormously

PayPal Credit has simplified my life enormously due to their generous 4 months' interest-free facility for purchases over £100. I moved home this past year and it's been invaluable for helping me to spread the cost of some essential domestic purchases. Making sure to pay off all balances within the requisite timescale means I've also reaped the benefit of improving my credit score without even trying. I was previously using Pay in 3 for most purchases (and still do for a lot of things) but usingPayPal Credit for those Promotional interest-free Offers has allowed me to take just that little bit longer to pay, with nothing in the first month. Really useful when needing something urgently before my payday! Best of all, PayPalCredit is a regulated agreement under the FCA so if anything did go wrong, I'd be fully protected. Peace of mind - especially now I'm getting older ... Reviewed on: 7th April 2026

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