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The Co-operative Bank Reviews 

20,138
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

(20,138)

5,698 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

MY ONLY COMPLAINT

MY ONLY COMPLAINT =DISSAPOINTED WHEN CLOSED MY NEAREST BRANCHES

September 2, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi P. We appreciate your feedback and understand your disappointment regarding the branch closures. We are always evaluating our locations to best serve our customers. Thanks - Claire.

Rated 2 out of 5 stars

Already had Coop account open but…

Already had Co-op account open but requested verification photo which was reported as fuzzy ;resent no further communication .Lost ability to add funds in August .Still no reply from first application and not sure whether this will work

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

Reply from The Co-operative Bank

Hi David,

I'm really sorry to hear of your experience with us. I'd like to take a look to see if I’m able to further help.

I've requested this through Trustpilot, if you could please respond I will arrange a review for you.

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

Kind regards - Claire.

Rated 5 out of 5 stars

Quick Response

I was attempting to contact Customer Service by phone and was frustrated to hear that the wait time exceeded 15 mins. However i was prompted to download their android app to message them. It was straightforward to install and I got quick responses from them.

September 2, 2026
Unprompted review
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Reply from The Co-operative Bank

Hi Michael. We understand that waiting on the phone can be frustrating, and we're glad our app provided a quicker way to connect with us. We appreciate you sharing your experience - Claire.

Rated 1 out of 5 stars

Be more accommodating

Be more accommodating. Trying to switch to Co-op bank was a nightmare. Spoken to them numerous times and given different information each time. Cancelled my application in the end- could not take any more
Left hanging on the phone for 30 minutes every time

September 2, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Jacqueline, we are truly sorry to hear about the difficult experience you had while trying to switch to us. It's very concerning to learn that you received conflicting information and faced long wait times, ultimately leading you to cancel your application. We understand how frustrating this must have been, and we sincerely apologise for the inconvenience and poor service you encountered. 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 2 out of 5 stars

Direct debit tried i not set any up…

Direct debit tried i not set any up this caused me stress n want compensated for tbe stress

September 2, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Nick, I'm sorry to hear about the stress this direct debit issue has caused you. I'd like to help with this. 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 2 out of 5 stars

The app is very easy to use and…

The app is very easy to use and navigate, however unlike online banking you just enter a security number and not your password as well. I think the added layer of protection when using online banking is superior.

September 2, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Simon, we appreciate your feedback regarding the security features of our app. We understand your concerns about the login process and value your input on enhancing protection. We are always working to improve our security measures. Thanks - Michelle

Rated 5 out of 5 stars

Very secure banking service

September 2, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so glad to hear you feel secure with our banking services. Thank you for your positive feedback! - Michelle

Rated 5 out of 5 stars

Ethical and efficient

The website is easy to use and quick to make payments to friends and businesses. I love Co-op Bank because of their ethical policies: that's why I opened my account in 1997

September 2, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Sam, we're so pleased to hear you find our website easy to use for making payments. It's wonderful that our ethical policies have resonated with you since 1997. Thanks - Michelle

Rated 5 out of 5 stars

Just used the Co-op Bank Business Help…

Just used the Co-op Bank Business Help app for the first time, having had a few problems when opening a new account, and was very impressed that all the issues were sorted in one visit, within a couple of hours and with no fuss.

September 1, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi John, it's great to hear that your experience with our Business Help app was so positive and that your account opening issues were resolved quickly and efficiently. It's wonderful to know that we could help you without any fuss. - Michelle

Rated 5 out of 5 stars

I normally bank online but had a…

I normally bank online but had a specific need to speak to an advisor in person. I rang to make an appointment and it was extremely easy to get through and speak to someone. I was given an appointment without delay on a day and time to suit me. When I attended the appointment the advisor was extremely friendly, knowledgeable and listened to me. I received clear and thorough advice. I was informed of the actions required after the appointment and the expected timeline for completion and this timeline was met. I have banked with the Co-op for many years and their quality of service remains as excellent as always.

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

Reply from The Co-operative Bank

Hi Denise, we're so pleased to hear about your positive experience with our in-person advisory service. It's wonderful that our team could assist you efficiently and provide clear, thorough advice. We appreciate you highlighting the excellent service you received. - Michelle

Rated 5 out of 5 stars

Good app

Great business bank with a great app. Looking forward to using some of the extras like the invoicing part

September 2, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're delighted to hear you find our business bank and app great! We hope you enjoy using the invoicing feature. Thank you for your feedback! - Emma

Rated 4 out of 5 stars

This review covers my normal monthly…

This review covers my normal monthly pension income examination but also transfer of money to a foreign bank account. Co-op bank have been reliable, helpful and their website works well.Phone queries are answered promptly and staff are always friendly and efficient.

September 1, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're delighted to hear about your positive experience with both your monthly pension income examination and the international money transfer. It's wonderful to know that our website, phone service, and staff have been reliable, helpful, and efficient. -Emma

Rated 5 out of 5 stars

No1 team

Great support and understanding of certain situations
Excellent communication.

September 1, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear that you found our support and communication excellent, and that we understood your situation. Thank you for your wonderful feedback! - Emma

Rated 1 out of 5 stars

The computer said no

The computer said no. The computer cant see the evidence to back up my request. The opening hours of the branch don't suit people that cant get away from their work place and don't have access to a computer during business hrs. If I need to go to branch it costs me a days holiday or a days wages. Bet the powers of be didn't put that into the equation when shutting at 1400 m-f and closing saturdays

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

Reply from The Co-operative Bank

We are sorry to hear about the difficulties you've experienced with our processes and branch opening hours. We understand that our current hours may not be convenient for everyone, and we appreciate you bringing this to our attention. Your feedback is valuable as we continuously work to improve our services.

I've requested more information from you via Trustpilot if you response we can call you to discuss. -Emma

Rated 5 out of 5 stars

Quick and easy to set up Regular…

Quick and easy to set up Regular Savings account.

September 1, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're happy to hear that setting up your Regular Savings account was quick and easy. We appreciate your positive feedback. - Emma

Rated 2 out of 5 stars

Good 0% balance transfer deal, terrible service

I got a 0% balance transfer card. While the deal was very good, user experience and customer service is awful.
It took weeks to get the card and balance transfer up and running. Both the app and the online banking portal are slow, clunky with poor functionality. The balance takes 2-3 days to update whenever the card is used. Phone calls take more than 15 mins to get through. When I closed the account, they sent me a secure message presumably to confirm closure but then I was locked out of my online access so I couldn't read it!

Co-op Bank really needs to up its game, it's way behind other banks in getting the basics right. It's a shame because they're one of the most ethical banks and don't deal with fossil fuel companies. I hope they improve but for now I'm glad I no longer bank with them

September 1, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We are truly sorry to hear about the incredibly frustrating experience you had with your balance transfer card, particularly regarding the delays, app functionality, and customer service. We understand how disappointing it must have been to encounter these issues, especially given your appreciation for our ethical stance. Your feedback regarding our digital services and response times is very important to us as we continuously strive to improve.

I've requested more information from you via Trustpilotif you provide further information we can call you to discuss. - Emma

Rated 4 out of 5 stars

I love the Co-op

I love the Co-op. They are helpful on the phone and the website is easy to negotiate. I joined primarily for ethical reasons and I understand they do not invest in fossil fuels as does nearly every other high street bank. I am very worried about climate breakdown so this was essential. I can’t recommend them highly enough.

September 1, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear you love our services and find our website easy to use. It's wonderful that our ethical stance, particularly concerning fossil fuels, is important to you. We truly appreciate your recommendation. -Emma

Rated 5 out of 5 stars

Easy simple to understand instructions…

Easy simple to understand instructions written in plain English.

September 1, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're truly happy to hear that our instructions were clear and easy to understand for you. We appreciate your positive feedback! - Emma

Rated 3 out of 5 stars

The Co-op are so worried that a £piddly…

The Co-op are so worried that a £piddly transaction could be a scam that it takes 30mins on the phone every time I try to buy something with the debit card. Some reviewers seem to think this is a good thing but it's not for consumer protection—its the paranoid Co-op covering their backsides!

September 1, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We understand your frustration with the security measures. We aim to balance security with convenience, and we regret that our current process is causing you such difficulty. We are always reviewing our procedures to improve the customer experience. - Emma

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