Co Operative Bank Reviews

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2.8 stars
Average rating for this product is: 2.8 out of 5

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LenderAccountDescriptionInterestAEROverdraft  
Overdraft RateOverdraft Limit
Alliance & LeicesterPremier Direct AccountEarn a great rate of 6% AER (fixed for one year) on balances up to £2,500.Monthly6.00%0.00%£2,000.00
Alliance & LeicesterPremier CurrentEnjoy benefits such as, free annual European travel insurance plus receive a share of £50 when you recommend a friend.Monthly0.50%0.00%£2,000.00
NatwestNatwest Advantage Gold AccountEnjoy benefits worth up to £704 for just £12.95 a month. Including Mobile phone cover, Travel Insurance and even tailored rates on other Natwest products.Monthly0.25%18.49%n/a

Average Ratings for Co Operative Bank

  • Ease of use3.2 stars
  • Customer Service3 stars
  • Overall rating2.8 stars

28 Reviews For Co Operative Bank

  • tim2000 Rank: Lance Corporal 8th Nov 2009

    Reviewer rating: 4 stars


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    I love the Co Op bank - always great service, a really simple online service, good rewards system if you also use Co-Op insurance etc and some good current accounts and mortgages. All in all I've been with them 6 years and they have been far better than any other high street banks I've had accounts with. But it's not without its pitfalls;

    Customer service is always friendly but do make a huge amount of mistakes.

    There's a massive disparity in the knowledge of staff, I always call again or ask to talk to someone else if calling about something important or I'm told no to a simple request.

    Not a huge amount of branches and suffer the same problems as the telephone staff

    Rubbish savings accounts (but some good investments).

    Despite all this I would recommend them to anyone!

  • Guest 27th Oct 2009

    Reviewer rating: 1 stars


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    I have been waiting for 14 months for my Savings of 3,000.00 to be paid out to myself the Money was due to be paid via a Chaps payment to my Current account but it went walk about and i am still waiting, good job it was not use for a fitting kitchen as i am sure that it would have been ripped out by now. The Customers services has been appalling, everytime you telephone, they said its on its way, you ask them to email you a letter stating that at some point i shall get my savings, oh yes at the ...

  • Guest 26th Oct 2009

    Reviewer rating: 5 stars


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    Left the RBS earlier this year for the Co-op Bank. Opened a Current Account Plus and Savings Plus Accounts and very pleased I made the move. Very helpful staff both at the branch or on the phone and the internet banking is excellent.
    Would recommend the Co-op Bank to anyone especially if they're looking for an ethical bank.

  • Guest 7th Oct 2009

    Reviewer rating: 1 stars


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    The cooperative bank are useless, i've been with them for 10 years, and they still continue to make my life a living hell. never miss a loan repayment or god forbid not have enough money by a few measly pence to cover a direct debit, otherwise they will be quick to cancel your card and not re issue a new one, which wouldn't seem too bad for most, yet when they did it to me, i told them that i didn't have a bank in my town to go into and withdraw money, and i didn't drive either. this didn't matt ...

  • Guest 28th Sep 2009

    Reviewer rating: 2 stars


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    Co Operative Bank customer service are lovely and friendly, but they make shockingly many mistakes - so far they've paid me £25 for each of the 13 errors they have made so far including paying someone else's bills from my account, adding random charges, forgetting to make payments, paying some bills twice, sending money to a wrong country, the list goes on... Their internet banking is so slow you can't even access it and customer service advice you to wait until 6pm before checking your ac ...

  • Guest 4th Sep 2009

    Reviewer rating: 5 stars


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    Just moved over from Barclays about 3 months ago and have not had any problems. The Privilege account is excellent value at £9.50 month and insures me for travel and my mobile phone etc. Customer service call centre is UK-based and the staff are always extremely helpful. Just about to open a joint account with my wife. Would definitely recommend Co Operative Bank to friends and family.

  • Guest 21st Aug 2009

    Reviewer rating: 1 stars


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    Moved to them from Lloyd's, one of the biggest mistakes I've made. Signed up to their account mover scheme and they managed to mess it up. They moved my direct debits almost 10 days before moving my money. The net result is a number of direct debits bounced resulting in all sorts of charges from credit card companies and other institutions. They and Lloyds mess up and we the customers pick up the bill.
    On top of that I applied for a credit card from them as I'm unhappy with my current provider, ...

  • Guest 19th Jul 2009

    Reviewer rating: 1 stars


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    Coopbank to me is worst bank poor everything they are charging me £19.50 as they say i did not have enough funds in my account
    to pay a direct debit i was just a few pence overdrawn the day before i had £140+ in there i could not belive i was overdrawn this as the third time first time they let me off second time i was charged £19.50 now again and for the same debit TV licence £11.00 mounthly and i never knew till they sent me a letter a week later i will try my best no ...

  • macavitycat Rank: Corporal 29th Jun 2009

    Reviewer rating: 0 stars


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    The co-op bank recently 'bounced' a new direct debit that arrived earlier than i had expected. The charge that they applied to my account took me overdrawn for less than a week and the next thing i hear they are closing my account down in 30 days!They have ignored my letters asking them why and today, 8 days before they are going to close me down, and even though i still have funds available, i had my card taken away from me in a shop, a hugely embarrassing situation.Furious. It is the only mi ...

  • Guest 8th Apr 2009

    Reviewer rating: 1 stars


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    Dreadful on selling products when you haev asked them not to do so.
    I filled out their form which asks them NOT to contact me with information about products, by mail, by phone or in branch. Apart from by mail it doesnt work. Whenever I go into the branch I have to point out to cashiers that on their screen is a note saying not to approach me with any sales pitch or products: I've complained five times -- a promise to get back to me the next day havent been met with the latest complaint. I a ...

  • jugglia Rank: Lance Corporal 31st Mar 2009

    Reviewer rating: 4.5 stars


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    I love my bank. Cooperative Bank 10. Friendly helpful UK call centres. Money invested ethically (and apparently not involved in derivatives, so considerably safer than other banks). I feel like they're not out to make huge sums of cash off me in underhand ways like other banks I've been with.I've gone overdrawn a few times with the Coop, and they've cancelled some of the charges - I went overdrawn by about 7p once and got charged - they agreed that was a bit much and refunded the money. ...

  • spuduk Rank: Corporal 9th Nov 2008

    Reviewer rating: 4.5 stars


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    Currently bank with smile (the internet bank branch of the co-op bank) and have other accounts with the Co-op itself.
    Both parts of the bank have a range of current accounts ranging from the bells and whistles packaged accounts (which I find great value) to the basic bank account. The interest rates on current account are competitive and fees consistent with the other high street banks.
    First of all someone said smile customers can't use branch counters of the Co-Op bank. Not true. Smile custome ...

  • jonandali 14th Oct 2008

    Reviewer rating: 4.5 stars


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    Easy straight forward e-banking for my privilege premier account and helpful telephone service. With worldwide travel insurance, car recovery service, mobile phone insurance etc included in the subscription, it works out to be extremely cost effective. I have a branch nearby also, so all in all I find their prudent cooperative ethical approach to suit me and bring social responsibility to the market place.
    In all, though and particularly as a high street bank I would thoroughly recommend them, e ...

  • Guest 11th Oct 2008

    Reviewer rating: 4.5 stars


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    Telephone banking very good. I've used them for 20 years, with practically no mistakes, high security and always excellent when any other bank goes wrong, or there's some credit card fraud.
    Ethical, and not subject to market collapses, because they are a co-operative, without any shares. The customers own it, and that's brilliant now the others are so rocky.

  • Joffie 8th Oct 2008

    Reviewer rating: 5 stars


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    Over twenty years I have never experienced a problem with the Co-operative Bank. I feel confident that my money is safe and that it is invested according to principles of social responsibility. I feel valued as a customer.

  • draegon Rank: Staff Sergeant 19th Sep 2008

    Reviewer rating: 4.5 stars


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    I have been with this bank for a number of years now and they have always been helpful and understanding with any problems that I have had. The website is a great day-to-day tool to make sure everything is as expected.
    If things do go wrong you can always pick up the phone and somebody in GB is there, willing to help (and usually very able). The service is always friendly and they are always willing to explain anything you might be unsure about.
    The main drawback is the fact that they charge for ...

  • jacqueline927 17th Sep 2008

    Reviewer rating: 4.5 stars


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    The Cooperative is dedicated to keeping a UK call centre - I know because I checked some time ago - rather than outsourcing to a cheaper country - the benefits of dealing with someone 'local' particualary when sorting one's financial affairs are invaluable to me.
    I believe the Cooperative status of the bank means my money is secure as the bank operates with caution.
    I support their ethical stance and their cooperative status - as a customer I receive an annual payout based on what i spent withi ...

  • zephyrx Rank: Corporal 5th Sep 2008

    Reviewer rating: 0.5 stars


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    Since opening accounts with Smile and the Co-operative V Bank several years ago, I've had nothing but trouble. Compared to my other main bank, they are awful.
    They come across as if the business has been chronically underinvested in. Internet banking with them is a joke - the web site is antiquated. You can't find out what you ' re true available balance is, you have to go to a Link cashpoint to find out. This makes budgeting very difficult. Also, unlike other banks, there's no running total of ...

  • Guest 25th Jul 2008

    Reviewer rating: 0.5 stars


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    I joined smile because it was important to my to put my money in a bank which invests ethically. As anyone knows, switching bank accounts is no easy task, and with Smile as it is the online arm of the co-operative you don't get the perks of high street banks which make life a lot easier. i.e. being able to pay in money via a branch or make an enquiry. However, I thought small personal sacrifices for the great good. Sadly, it's been one charge after another since I joined. As I am not well off an ...

  • Guest 13th Jun 2008

    Reviewer rating: 4 stars


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    Overall, I am very satisfied with the Co-operative Bank. They have a brilliant telephone banking service with all call centres being UK based, a strict ethical policy so I know my money isn't being invested in unethical things, clear and regular statements, also I know that the co-op are responsible lenders and treat you as a customer not a profit....savings account rates are pretty low however.

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