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The Co-operative Bank Reviews 

20,207
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Considering 6,101 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff and branch members for being exceptionally helpful, patient, and knowledgeable when answering queries. People also find the online banking platform and overall financial services very straightforward, honest, and easy to use. Consumers often mention that customer service representatives consistently go above and beyond to provide top-tier support. However, some reviewers were not happy with strict security checks, complicated verification questions, or difficult account switching processes. A few consumers also noted that these payment verification steps, unexpected delays, and temporary account blocks caused considerable frustration.

What people talk about most

Staff

People report positive experiences with staff, highlighting their helpfulness, patience, and professionalism... See more

Customer service

Customers consistently note positive experiences with customer service, praising staff for being supportive,... See more

Service

Reviewers mention positive feedback about service, expressing overall satisfaction and appreciation for the... See more

User experience

Reviewers highlight positive aspects of user experience, noting that the app and online interface are very... See more

Payment

Customers had ambiguous experiences with payment. While some reviewers praised the robust security measures... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I was contacted by the bank as they didn't recognise a transaction made. I was thankful for their diligence. This was a bona fide payment but I'm glad they checked as it was a fairly large payment. We... See more

Company replied

Rated 5 out of 5 stars

I visited the Co-operativebank in Hanley. On arrival I was greeted straight away as I walked through the door by a lady called Alison ( very professional ) I had an issue with my banking app... See more

Company replied

Rated 5 out of 5 stars

Excellent efficiency. Savings accounts, interest, fees, maturation details, all handled most knowledgeably. I chose Coop Bank years ago for its ethical policy and the customer service is the best.... See more

Company replied

Rated 5 out of 5 stars

I could not cope with the complicated security questions online when applying for my new account. I telephoned customer services and a Branch member of staff helped me over the phone. She kindly sent... See more

Company replied


Company details

  1. Bank

About The Co-operative Bank

Written by the company

Founded in 1872 and born from the co-operative movement, co-operative values continue to be a fundamental part of everything we do.

In 1992, we were the UK’s first bank to introduce a customer-led Ethical Policy, which empowers us to make a real positive difference to the world around us.

We believe it's our duty to stand up for the issues that matter to our customers and which bind our colleagues, customers and partner organisations together.

Because unlike a lot of businesses, we haven’t just developed an ethical approach — we’ve had one from the very start.

Ethical then, now and always.

Contact info

Join a bank that shares your values

Over 150 years of putting ethics into action

4.5

Excellent

TrustScore 4.5 out of 5

20K reviews

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4.5

All reviews

(20,207)

5,764 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Potential fraud

I received a message checking on a possible fraud. Telephoned the bank. The issue was quickly dealt with in a speedy and professional manner.

August 18, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so glad to hear that the fraud alert was handled quickly and professionally by our team. Thank you for sharing your positive feedback! - Emma

Rated 5 out of 5 stars

People who know and help

A very short wait to speak to an advisor who was knowledgeable, understanding and able to give me all the information I asked for, and some additional ones that will benefit me.

August 26, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear about your positive experience with us. It's wonderful that our advisor was knowledgeable, understanding, and provided you with all the information you needed, plus some helpful additional insights. - Emma

Rated 5 out of 5 stars

Exemplary customer service

I was contacted by the bank as they didn't recognise a transaction made. I was thankful for their diligence. This was a bona fide payment but I'm glad they checked as it was a fairly large payment. We've banked with Co-Op 18 years and wouldn't go anywhere else. I just hope, with the merge with Coventry Building Society, that the wonderful customer service doesn't disappear. Thank you coop please keep doing what you're doing

August 29, 2026
Unprompted review
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Reply from The Co-operative Bank

We're so pleased to hear about your positive experience and that our diligence was helpful. We appreciate your loyalty over the past 18 years and your kind words about our customer service. -Emma

Rated 5 out of 5 stars

My card was stolen and misused and the…

My card was stolen and misused and the Coop dealt with the matter promptly and courteously.

August 25, 2026
Unprompted review
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Reply from The Co-operative Bank

We're glad to hear that we were able to assist you promptly and courteously when your card was misused. Thank you for your positive feedback! - Emma

Rated 1 out of 5 stars

Unreliable and misleading

Please don't waste your time with these -there are plenty of other banks out there who will value your custom. I met all the conditions for switching and they let me down. Totally feel misled resulting in losing faith and trust in this inferior organisation.

Whilst they may come back to comment & say they'd like to contact you, don't waste your time as they make no effort to put right the matter.

August 30, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Steve, I'm very sorry to hear that you feel misled and that we let you down with your switch. I can see we've already discussed this with you and we're unable to change the eligibility for the switching incentive. Kind regards - Sammie

Rated 5 out of 5 stars

Always feel transfers are secure with…

Always feel transfers are secure with the clarifications and checks. Also really easy to use.

August 30, 2026
Unprompted review
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Reply from The Co-operative Bank

We're delighted to hear that you feel secure with your transfers and find our service easy to use. Thank you for your positive feedback! Thanks - Liv

Rated 4 out of 5 stars

The company invests my money in ethical…

The company invests my money in ethical causes which I believe to be essential in an increasingly unethical moneytarist world.

The staff in my City's only remaining branch of the Bank
are always supportive of my requests for assistance with personal banking matters. More counter-assistants would help with waiting at busy times.

I have been offered personal instruction into how to operate on-line banking but remain too technophobic.

August 30, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Andrew, thank you for taking the time to leave a review.

We're delighted to hear that our ethical approach is important to you and that it aligns with your own values. It's also wonderful to hear such positive comments about the team in your local branch.

We're pleased that colleagues have been supportive and helpful whenever you've needed assistance. We appreciate your feedback regarding waiting times at busier periods, and it's great to hear that you've been offered support with Online Banking too.

Please don't worry about being "technophobic" – we understand that digital banking isn't for everyone, and we're always happy to support customers in the way that works best for them.

Thank you for banking with us and for your kind comments.

Kind regards - Chris

Rated 5 out of 5 stars

Had to call today and Esta helped me…

Had to call today and Esta helped me with the App on my new phone. I had lost my old phone, and forgot login details, and got myself locked out of online banking. She was patient and professional and her help was much appreciated.

August 30, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

It's our pleasure, the team are always happy to help. Thanks for your 5 stars! - Chris

Rated 5 out of 5 stars

I've been a customer since 2017 and I…

I've been a customer since 2017 and I never had a problem with them. I moved from HSBC due to a fraudulent event. Never had problems with Cooperative. when they see any unusual activities, they will call you right away before approving a payment. And will keep the block until it's cleared.

August 30, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

It's our pleasure. Thanks for sharing your 5 stars with us! - Chris

Rated 5 out of 5 stars

I attended to report a bereavement…

I attended to report a bereavement which was handled with sensativity and efficiency. All questions were answered
and i felt at ease.

August 28, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're sorry for your loss, Jean. We're glad we would help during this difficult time; we're always here for you. - Chris

Rated 1 out of 5 stars

Dark Ages Smile App

Smile App is from the Dark Ages. Poor functionality. Smile only accepts customer messages via the online webpages. No other way to raise an issue.

August 29, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi. We appreciate your feedback regarding the app's functionality and the limited options for raising issues. We are actively working to improve our customer support channels. If you'd like to discuss this further I've sent you a request through Trustpilot for some more information. Please respond to this request so that we can help you.

Alternatively you can also send us a message on Facebook (https://www.facebook.com/thecooperativebank) or X (https://twitter.com/CooperativeBank). Just quote 'Trustpilot' in your message and we will be able to link it back to this review.
Thanks - Michelle

Rated 5 out of 5 stars

Best service with The Co operative Bank

Having been with the Co operative Bank for many years I have always had a brilliant service either in branch or by phone
Thank you so much for all your help

August 27, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for your 5 stars, we appreciate your great feedback! - Chis

Rated 5 out of 5 stars

Easier for all to use

I find that with my account it is a lot easier for me as a person in their late 60s, the app is not too complicated which is a great help, so thank you.

August 29, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi James, thanks for sharing your 5 stars with us! - Chris

Rated 1 out of 5 stars

Banks a joke

Banks a joke. You try to transfer money to your own account & it flags for fraud.
Infact, any time u transfer money it flags for fraud.
Only opened the account for the £300 incentive, it really wasn’t worth it!

August 27, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Mark, I'm sorry to hear about the difficulties you've experienced with transfers being flagged for fraud. I understand how frustrating this can be, especially when trying to manage your own funds. If you'd like me to look into this further for you, please respond to the request via Trustpilot for your contact information. - Michelle

Rated 5 out of 5 stars

Perfect service

I was seen in less than 5 minutes and everything was fine, brilliant service.

August 28, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Kevin, we appreciate the 5 stars! - Chris

Rated 1 out of 5 stars

Slow slow slow

Slow slow slow. Trying to move money I'd be quicker getting the train to a real life bank and doing it old style. I'm leaving it's too painful.

August 29, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Janette, I'm truly sorry to hear that your experience has been so frustrating due to slow service when trying to move money. I understand how inconvenient and painful this must be for you, and I sincerely apologize for the difficulties you've encountered. Your feedback is very important to us, and I will ensure it is shared with our team for review. I've sent you a request through Trustpilot for some more information. Please respond to this request if you wish to discuss this further.

Alternatively you can also send us a message on Facebook (https://www.facebook.com/thecooperativebank) or X (https://twitter.com/CooperativeBank). Just quote 'Trustpilot' in your message and we will be able to link it back to this review.
Thanks - Michelle

Rated 1 out of 5 stars

Absolute joke of a bank

Absolute joke of a bank. My account was accepted, only for my online access to be immediately blocked over absurdly specific security questions—like remembering the exact date in 2014 I opened an old current account—forcing me to call customer services.
​The very next day, I tried paying off my credit card with my own money, and the transaction was blocked, requiring yet another call.
​To top it all off, when I tried to pay for a takeaway the following day, my card was blocked again. I had to call customer services once more, only to be told by the representative that they could only deal with "urgent" issues.

August 29, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Gary, I'm very sorry to hear about the incredibly frustrating experience you've had with your new account. It sounds like a very difficult start, and I understand how disruptive these issues must have been. Thank you for proving your contact information, so we can look into this further for you. - Sammie

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