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Review of the The Co-operative Bank, Business bank account:

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Your money is so secure even you can't access it.

Firstly, the staff are lovely. I've called them a lot and they've always been very helpful when I finally get through. The banking experience is terrible. Just abominable. To set up online banking requires filling in a paper form. It then requires two separate apps, both of which require separate validation and two factor authentication to set up. Once set up, the Coop app will use Face ID, but sometimes the app simply doesn't work. Sometimes that's a back end issue, but since August 26 Coop Business seem to have had endless issues with their online banking. They have a special website to keep customers informed of what isn't working. I've maybe been able to access my account 1 in 5 times that I've tried to log in, whilst online banking is actually available. Once logged in the app is pretty limited. I'm so lucky that my business is in its infancy; if I'd had to rely on making payments or accessing funds received from clients I'd have been absolutely stranded and had to rely on pone banking which can take around 45 mins to get through to an advisor, I assume because online banking is always broken. Sorry Coop, I tried, but it's just too frustrating, archaic and unreliable. Reviewed on: 12th October 2026

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