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The Co-operative Bank Reviews 

19,785
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Looking at 6,016 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the friendly staff for their exceptional helpfulness, professional attitude, and remarkable patience when handling complex inquiries. People also value being able to speak directly with real humans instead of navigating frustrating automated menus. Consumers note that the online services, switching processes, and daily banking tasks are wonderfully simple, clear, and very efficient to use. Some people were dissatisfied with exceptionally long waiting times both on the telephone and inside local branches when attempting to resolve urgent account matters. Reviewers additionally mentioned experiencing significant frustration regarding unexpectedly blocked money transfers, alongside repetitive and exhaustive security verification questions.

What people talk about most

Staff

People report positive experiences with staff, highlighting their exceptional knowledge, helpfulness, and... See more

Customer service

Reviewers mention positive feedback about customer service, highlighting that representatives are polite,... See more

Service

Users describe positive interactions with service, highlighting exceptional and knowledgeable staff who... See more

User experience

Customers had positive experiences with user_experience, highlighting that everyday usage is simple and the... See more

Payment

Customers consistently note ambiguous experiences with payment, reflecting a high level of disagreement... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Excellent service again from the co-op bank. Helped me with an attempted fraud on my account. The operative, Ian, was incredibly helpful and explained the process clearly. He assured me that my accoun... See more

Company replied

Rated 5 out of 5 stars

Suky was very helpful processing our account transfer request. She was sensitive to our needs and took the process at a pace that matched our ability to cope with the porcess. She willingly answere... See more

Company replied

Rated 5 out of 5 stars

I rang to sort opening a current account and I ended there call not only feeling I'd made the right choice also I felt listened to. Three feeling of if I ever have any problems there will be a perso... See more

Company replied

Rated 5 out of 5 stars

After I fell victim to a scam, I was able to immediately freeze my card, then call the bank, where my call was answered straight away. The issue was dealt with very efficiently and supportively. I hav... 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

(19,785)

5,840 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

Best Bank in The UK

I have been with the Co-operative Bank since 2008 and they’ve been the best bank I’ve ever banked with since the problems I was having with my Previous Bank (Yorkshire Bank 20 plus years )who were being bought out at the time and as I’d raised a dispute with them through the Financial Ombudsman who were no better by the way. Their customer service went out the window and their treatment was appalling. So I decided to switch banks and after looking around I decided on the Co- operative Bank purely on how friendly courteous and professional their customer service is. They’ve saved my bacon a few times as I’m a bit of a technophobe and when I phone them up it’s so nice to hear a friendly up beat voice every time and the service I receive is second to none both on the phone and in branch so keep up the good work as you’re the best Bank in the UK bar none 🙂

August 19, 2026
Unprompted review
Rated 5 out of 5 stars

Debra Pugh's conduct of telephone consultation with customer.

I had a specific issue on which I wanted advice. Debra Pugh, of the Coop Bank branch in Crewe, contacted me by phone at the agreed time. She helped me navigate the choices offered by Coop Bank to meet my needs. On one point on which she was uncertain she sought advice from a colleague who had specialist expertise, and she was able to clarify the matter. In regard to my issue Debra undertook to send me relevant online links to the Coop Bank website to advance the steps I need to take, and hard copy documentation covering some of the points. She then reviewed my accounts and helpfully provided me with a timely reminder of options open to me regarding my Coop ISA. On basis of her thorough advice I was happy to ask for and secure a 'fix' for my ISA saving account for a further year. Debra was friendly, had an engaging manner and dealt efficently with my query and then went on to help me with broader issues (my savings). I was very favourably impressed.

August 19, 2026
Unprompted review
Rated 3 out of 5 stars

I had to contact due to a current…

I had to contact due to a current account switch not going through. There was no apology for this. The customer service agent started a new switch and was friendly and efficient at this.

August 19, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hello John, thanks for taking the time to leave a review and provide your feedback. We'll ensure it's passed to the relevant team. - Michelle

Rated 1 out of 5 stars

So good I left within months frustrated…

So good I left within months frustrated waisting a lot of time and the fact cards hardly worked along with apathetic in store experience I threw card over counter and left the branch straight away I organized alternative.
It will get great to have online banking and a working card again

August 14, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Derek, I'm truly sorry to hear about your frustrating experience with our services, especially with the card issues and the in-branch interaction. We understand how important reliable online banking and a working card are, and we regret that we fell short of your expectations. We are reviewing your feedback to improve our service. 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.
- Michelle

Rated 5 out of 5 stars

Online banking made easy.

The online banking is well set out and easy to follow. I feel safe using online banking knowing that I will always have a text sent to my phone if I want to check my statements.

August 19, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

We're so pleased to hear you find our online banking well set out and easy to follow. It's great that you feel safe using it, knowing you'll always receive a text for statement checks. - Michelle

Rated 3 out of 5 stars

Opening a regular saver from my mobile:

Opening a regular saver from my mobile:
Fairly straightforward except entering dates. The default date that comes up is today's date but to go back, you go back month by month. That's a lot of months if you're 67! You can enter manually which I realised but even that wasn't easy. Also I copied and pasted in my postcode, but it didn't like that so it had to be entered manually.

August 19, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Helen, thank you for your feedback. We understand that the process of entering dates and postcodes on our mobile platform was not as smooth as it should be, especially for those with earlier birth years. We are actively looking into ways to improve the user experience for these specific fields to make them more intuitive and user-friendly. - Michelle

Rated 1 out of 5 stars

The wait times are horrific

The wait times are horrific. Often have to wait over half an hour for someone to answer the phone

August 19, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Nina, we appreciate you sharing your experience. We are actively working to reduce call wait times for our customers. I really am sorry you've been affected and will ensure feedback is passed to the team. - Michelle

Rated 3 out of 5 stars

Only been with you a month and second…

Only been with you a month and second time been on here.
Tried to switch an account to you. Not the easiest to be fair. Ie typing in the 16 bank code blind seems a bit over the top. Also after putting it's not a joint account you still get joint account information details there. Anyway Finally got to putting in the switch account details and then the system wouldn't allow me to type information into these spaces provided.
Gave up after filling in the form three time and still couldn't put in the informatin in the spaces provided .i'll never get that hour back.
Even if I could type in the spaces it seemed to be asking for information that i'd already put into the form.
Coop needs to make this more user friendly especially when trying the get new customers.

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

Reply from The Co-operative Bank

Hi Steve, we're sorry to hear you experienced difficulties with the switching process.

We also understand your comments regarding the amount of information requested and the presence of joint account questions when you were applying to switch a sole account.

Your feedback has been noted, as comments help us identify areas where we can improve the customer experience and we appreciate your feedback. Kind Regards - Chris

Rated 3 out of 5 stars

Wanted to open a current account

Wanted to open a current account - but had no acceptable photo ID ..... so needed to contact them by phone.
Once I finally got to 1st in the queue - after about 15mins - I was passed to a 'Personal Banker' - very 1980's.
I was warned that the opening of the account could take 1 hour - WHAT???? - when I open other accounts online in minutes, literally as simple as that. Anyway, it took less than 1 hour, the time used up mainly by the 'Personal Banker' having to read through everything in the T&Cs.
On the plus side, everyone I spoke to gave me the time I needed, were very pleasant and attentive in their interaction with me.
Hopefully the account has been opened and it will be OK as I have to wait for the postperson to get my account details, they can't even email it to me.
I actually nearly gave up on my application as it was just a bit of a PITA ..... the cashback bribe pushed me forward however ;)

August 17, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi, we're sorry the process felt longer and more involved than you expected. Where we can't verify identity through our standard online checks, additional steps are sometimes required to help us open the account securely.

We also understand your comments regarding the time spent on the phone and the need to wait for account information to arrive by post.

Thank you again for your feedback and for choosing The Co-operative Bank. We hope the account serves you well, and we're pleased you decided to continue with the application. Kind Regards - Chris

Rated 5 out of 5 stars

Easy and quick.

The staff who dealt with my enquiry explained the issue clearly. They checked items on my account and then took appropriate action.

It was a simple call and an easy, quick fix.

August 12, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for your wonderful review! It's our pleasure. - Chris

Rated 5 out of 5 stars

Quiet

Quiet , easy and helpful

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

Reply from The Co-operative Bank

Thanks for your 5 stars! - Chris

Rated 5 out of 5 stars

I received a text messages just after…

I received a text messages just after 6.00am ask if I recognised a payment they had declined. I was also asked if I recognised the payment to a company I had never heard of. I replied that I didn't know anything about it. I then received a text message shortly afterwards to inform me that the fraud department of The Co-operative Bank. I was sent another text message asking me to call the fraud department of the bank. The member of staff that I spoke to was very helpful in explaining what had happened and also reassuring me that my account was safe. Given my experience of dealing with the fraud department of The Co-operative Bank I would highly recommend how the fraud department of The Co-operative work to keep their customers' bank accounts are kept safe from fraud.

August 17, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for your kind words! We're always happy to help. Thanks for you 5 stars! - Chris

Rated 5 out of 5 stars

Co-op bank

Co-op bank
I requested a call for 12pm today and a woman called Ann called right on the dot. She was amazing at sorting out everything for me and my husband. I just wanted to thank you again Ann for the first class service we received today. You really were amazing 👏 5 star 🌟

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

Reply from The Co-operative Bank

Hi Barbara, thanks for your 5 stars! It's our pleasure to help. - Chris

Rated 5 out of 5 stars

I have been with this bank many years…

I have been with this bank many years and never had a problem with anything
The staff are always helpful and polite and any problems I've had have been sorted out fast

July 21, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Thanks for sharing your 5 stars with us! We appreciate your feedback. - Chris

Rated 5 out of 5 stars

Very helpful phone session with Co-op Bank staff

I wished to understand whether I could be eligible for Co-op Bank's current account switch offer. Rebecca, who answered my initial call was very ready to help but the process was clearly complicated and I had to be referred to a branch staff member (Luke Thornton) who called me at an agreed time the same day and was extremely patient and constructive in guiding me through it.

August 17, 2026
Unprompted review
The Co-operative Bank logo

Reply from The Co-operative Bank

Hi Peter, thanks for your 5 stars! It's our pleasure to help. - Chris

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